TVLF (Tennessee Valley Financial Holdings) Tariff Resilience Score: 9/10 (As of Jul. 06, 2026)


TVLF Tennessee Valley Financial Holdings Inc TVLF
56 GF Score
Price $10.32
GF Value $7.19
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Tennessee Valley Financial Holdings Tariff Resilience Score?

Tennessee Valley Financial Holdings TVLF 56 Tariff Resilience Score is 9 as of Jul. 06, 2026. GuruFocus rates TVLF with a GF Score™ of 56/100 and a GF Value™ of $7.19 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,608 Banks companies, Tennessee Valley Financial Holdings ranks better than 99.25% on this metric.

Tennessee Valley Financial Holdings has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Tennessee Valley Financial Holdings has Financial services company with minimal direct exposure to tariffs. Indirect effects possible through client industries, but overall resilience is high due to domestic focus.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Tennessee Valley Financial Holdings might have Highly Resilient.

Tennessee Valley Financial Holdings  (OTCPK:TVLF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Tennessee Valley Financial Holdings Tariff Resilience Score Related Terms

TVLF vs JTNB, CRZY, FIDS: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Tennessee Valley Financial Holdings's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Tennessee Valley Financial Holdings Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Tennessee Valley Financial Holdings's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Tennessee Valley Financial Holdings's Tariff Resilience Score falls into.


TVLF
56GF Score
Tennessee Valley Financial Holdings Inc TVLF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Tennessee Valley Financial Holdings (TVLF) has a Tariff Resilience Score of 9 as of Jul. 06, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Tennessee Valley Financial Holdings ranks #12 out of 1608 companies in the Banks industry, placing it in the top 0.7%.
Is Tennessee Valley Financial Holdings' Tariff Resilience Score too high?
Tennessee Valley Financial Holdings' current Tariff Resilience Score is 9. Based on the distribution chart, Tennessee Valley Financial Holdings ranks #12 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Tennessee Valley Financial Holdings has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tennessee Valley Financial Holdings' Tariff Resilience Score compare to JTNB and CRZY?
According to the Banks industry distribution chart, Tennessee Valley Financial Holdings ranks #12 out of 1608 companies for Tariff Resilience Score. This places Tennessee Valley Financial Holdings in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Tennessee Valley Financial Holdings's current Tariff Resilience Score is 9. 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 $10.32 — trading 43.5% above its estimated fair value. The current Tariff Resilience Score is 9. Tennessee Valley Financial Holdings' overall GF Score™ is 56/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Tennessee Valley Financial Holdings (TVLF), the current Tariff Resilience Score is 9 as of Jul. 06, 2026. 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 $10.32 is trading 43.5% above its estimated GF Value™ of $7.19. GuruFocus considers Tennessee Valley Financial Holdings to be Significantly Overvalued.

Key valuation signals for TVLF:

  • Tariff Resilience Score: 9
  • GF Value™: $7.19 vs. price of $10.32 (43.5% above fair value)
  • GF Score™: 56/100 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.
56GF Score

Get the complete analysis for TVLF

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.32
Price
$7.19
GF Value