TVLF (Tennessee Valley Financial Holdings) Scaled Net Operating Assets: 0.07 (As of Dec. 2025)


TVLF Tennessee Valley Financial Holdings Inc TVLF
59 GF Score
Price $10.00
GF Value $7.19
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Tennessee Valley Financial Holdings Scaled Net Operating Assets?

Tennessee Valley Financial Holdings TVLF 59 Scaled Net Operating Assets is 0.07 as of Dec. 2025. GuruFocus rates TVLF with a GF Score™ of 59/100 and a GF Value™ of $7.19 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Tennessee Valley Financial Holdings's operating assets for the quarter that ended in Dec. 2025 was $285.68 Mil. Tennessee Valley Financial Holdings's operating liabilities for the quarter that ended in Dec. 2025 was $265.27 Mil. Tennessee Valley Financial Holdings's Total Assets for the quarter that ended in Dec. 2024 was $287.48 Mil. Therefore, Tennessee Valley Financial Holdings's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.07.

TVLF
59GF Score
Tennessee Valley Financial Holdings Inc TVLF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Tennessee Valley Financial Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Tennessee Valley Financial Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(285.677-265.267)/287.475
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=302.095 - 16.418
=285.677

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=279.829 - 14.562 - 0
=265.267

Tennessee Valley Financial Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(285.677-265.267)/287.475
=0.07

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=302.095 - 16.418
=285.677

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=279.829 - 14.562 - 0
=265.267

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.07 mean?
Tennessee Valley Financial Holdings (TVLF) has a Scaled Net Operating Assets of 0.07 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Tennessee Valley Financial Holdings and its competitors.
Is Tennessee Valley Financial Holdings' Scaled Net Operating Assets too high?
Tennessee Valley Financial Holdings' current Scaled Net Operating Assets is 0.07. Overall, Tennessee Valley Financial Holdings has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' Scaled Net Operating Assets compare to JTNB and CRZY?
Tennessee Valley Financial Holdings' Scaled Net Operating Assets of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Tennessee Valley Financial Holdings and its competitors. Tennessee Valley Financial Holdings's current Scaled Net Operating Assets is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tennessee Valley Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tennessee Valley Financial Holdings (TVLF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.19, compared to a current price of $10.00 — trading 39.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. Tennessee Valley Financial Holdings' overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Scaled Net Operating Assets is 0.07 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Tennessee Valley Financial Holdings (TVLF) Overvalued in 2026?

Based on GuruFocus' analysis, Tennessee Valley Financial Holdings stock appears to be overvalued. The current stock price of $10.00 is trading 39.1% above its estimated GF Value™ of $7.19. GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.

Key valuation signals for TVLF:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: $7.19 vs. price of $10.00 (39.1% above fair value)
  • GF Score™: 59/100 with 1 warning sign

No single metric tells the full story. See the TVLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Tennessee Valley Financial Holdings Business Description

Address 401 South Illinois Avenue, Oak Ridge, TN, USA, 37830
Tennessee Valley Financial Holdings Inc is a bank holding company. It provides a variety of financial services to individuals and corporate customers at its offices in Oak Ridge, Knoxville and Maryville, Tennessee. The bank's deposit products are interest-bearing demand deposits and certificates of deposit. Its lending products are commercial, residential, and consumer loans. Its loan portfolio includes Speculative Residential Real Estate, Commercial Real Estate, Residential Real Estate, Home Equity, Commercial, and Consumer.
59GF Score

Get the complete analysis for TVLF

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.00
Price
$7.19
GF Value