TVLF Stock Overview

Tennessee Valley Financial Holdings, Inc. More details

TVLF fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	1/6

Risk Analysis

Latest financial reports are more than a year old

Shares are highly illiquid

Does not have a meaningful market cap ($13M)

My Notes

Capture your thoughts, links and company narrative

Tennessee Valley Financial Holdings, Inc. Competitors

Gouverneur Bancorp

OTCPK:GOVB

US$13.7m

CNB Financial Services

OTCPK:CBFC

US$12.7m

Seneca Financial

OTCPK:SNNF

US$13.9m

First Community

OTCPK:FCCT

US$14.1m

Price History & Performance

Summary of share price highs, lows and changes for Tennessee Valley Financial Holdings
Historical stock prices
Current Share Price	US$7.00
52 Week High	US$7.60
52 Week Low	US$5.50
Beta	0
1 Month Change	-5.41%
3 Month Change	7.69%
1 Year Change	9.38%
3 Year Change	-6.04%
5 Year Change	16.67%
Change since IPO	976.92%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	TVLF	US Banks	US Market
7D	-1.0%	2.1%	0.2%
1Y	9.4%	46.5%	22.0%

Return vs Industry: TVLF underperformed the US Banks industry which returned 46.5% over the past year.

Return vs Market: TVLF underperformed the US Market which returned 22% over the past year.

Price Volatility

Is TVLF's price volatile compared to industry and market?
TVLF volatility
TVLF Average Weekly Movement	n/a
Banks Industry Average Movement	3.9%
Market Average Movement	6.1%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: TVLF's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine TVLF's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1994	n/a	Tom Tuck	www.tnbank.bank

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 accounts, savings accounts, money market investment accounts, certificates of deposit, and individual retirement accounts. It also provides commercial, residential, and consumer loans; and mortgage products.

Tennessee Valley Financial Holdings, Inc. Fundamentals Summary

How do Tennessee Valley Financial Holdings's earnings and revenue compare to its market cap?
TVLF fundamental statistics
Market cap	US$12.83m
Earnings (TTM)	US$84.00k
Revenue (TTM)	US$6.34m

0.0x

P/E Ratio

0.0x

P/B Ratio

Is TVLF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TVLF income statement (TTM)
Revenue	US$6.34m
Cost of Revenue	US$0
Gross Profit	US$6.34m
Other Expenses	US$6.25m
Earnings	US$84.00k

Last Reported Earnings

Dec 31, 2012

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did TVLF perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/07 21:15
End of Day Share Price	2025/02/03 00:00
Earnings	2012/12/31
Annual Earnings	2012/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Tennessee Valley Financial Holdings, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.