OTCPK:TVLF

Stock Analysis Report

Tennessee Valley Financial Holdings

Executive Summary

Tennessee Valley Financial Holdings, Inc.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • Tennessee Valley Financial Holdings's last earnings update was 2325 days ago.
  • Tennessee Valley Financial Holdings is not covered by any analysts.

Share Price & News

How has Tennessee Valley Financial Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:TVLF

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-5.2%

OTCPK:TVLF

-16.1%

US Banks

-3.0%

US Market

TVLF outperformed the Banks industry which returned -13.8% over the past year.

TVLF underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

TVLFIndustryMarket
7 Day0%-1.8%-1.6%
30 Day0%-10.6%-5.8%
90 Day2.8%-5.0%0.2%
1 Year-3.1%-5.2%-13.7%-16.1%-0.8%-3.0%
3 Year94.0%86.4%37.9%28.5%38.0%29.1%
5 Year43.1%37.5%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Tennessee Valley Financial Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Tennessee Valley Financial Holdings undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether Tennessee Valley Financial Holdings is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Tennessee Valley Financial Holdings has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of TVLF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Tennessee Valley Financial Holdings regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Tennessee Valley Financial Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Tennessee Valley Financial Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of TVLF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Tennessee Valley Financial Holdings's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Tennessee Valley Financial Holdings performed over the past 5 years?

0.2%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Tennessee Valley Financial Holdings has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Tennessee Valley Financial Holdings's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Tennessee Valley Financial Holdings's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Tennessee Valley Financial Holdings has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of TVLF’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Tennessee Valley Financial Holdings's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Tennessee Valley Financial Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Tennessee Valley Financial Holdings's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Tennessee Valley Financial Holdings's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Tennessee Valley Financial Holdings has not reported any payouts.

Unable to verify if Tennessee Valley Financial Holdings's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Tennessee Valley Financial Holdings has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Tennessee Valley Financial Holdings's salary, the management and board of directors tenure and is there insider trading?

18.6yrs

Average board tenure


CEO

Tom Tuck (69yo)

0.0yrs

Tenure

US$190,149

Compensation

Mr. Thomas E. Tuck is President, Chief Executive Officer and Director of Tennessee Valley Financial Holdings, Inc. Mr. Tuck is the President and a founding Organizer of TNBANK. Mr. Tuck has over 40 years o ...


Board Age and Tenure

18.6yrs

Average Tenure

71yo

Average Age

The average tenure for the Tennessee Valley Financial Holdings board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Tom Tuck (69yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$190.15k
  • Mark Holder

    CFO, Executive VP

    • Tenure: 0.0yrs
  • Braxton Sadler

    Executive Officer

    • Tenure: 0.0yrs
  • Jim Stalsworth

    Executive Officer

    • Tenure: 0.0yrs

Board Members

  • Thomas Dickenson (65yo)

    Director

    • Tenure: 2.6yrs
  • William Witt (78yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$19.40k
  • Tom Tuck (69yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$190.15k
  • Thomas Moye (70yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$18.81k
  • Terry Kerbs (71yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$9.42k
  • Mark Holder

    CFO, Executive VP

    • Tenure: 0.0yrs
  • Frank Jamison (79yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$21.02k
  • Larry Beeman (75yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$15.13k
  • Noah Myers

    Director

    • Tenure: 4.6yrs
  • Chris Keziah

    Director

    • Tenure: 0.0yrs

Company Information

Tennessee Valley Financial Holdings, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Tennessee Valley Financial Holdings, Inc.
  • Ticker: TVLF
  • Exchange: OTCPK
  • Founded: 1995
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$10.132m
  • Shares outstanding: 1.84m
  • Website: https://www.tnbank.bank

Location

  • Tennessee Valley Financial Holdings, Inc.
  • 401 South Illinois Avenue
  • Oak Ridge
  • Tennessee
  • 37830
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TVLFOTCPK (Pink Sheets LLC)YesNew Common StockUSUSDSep 2009

Biography

Tennessee Valley Financial Holdings, Inc. operates as the bank holding company for TNBank that provides various financial services to individual and corporate customers. The company offers checking account ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 00:21
End of Day Share Price2019/07/12 00:00
Earnings2012/12/31
Annual Earnings2012/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.