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  2. •

    Financial Services

  3. •

    Banks - Regional
Tennessee Valley Financial Holdings, Inc.

Tennessee Valley Financial Holdings, Inc.

TVLF
Tennessee Valley Financial Holdings, Inc.US flagOther OTC
10.32
USD
- -
- -
18.89MMarket Cap
Tennessee Valley Financial Holdings, Inc.
TVLF
(Other OTC)

Recent

price

10.32

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
FRC
- -
5.85
7.21
6.32
6.15
5.98
- -
Revenue per Share
- -
0.95
1.83
1.39
1.32
1.28
- -
Basic EPS, GAAP
- -
1.01
1.32
1.54
1.96
1.12
- -
Free Cash Flow per Basic Share
- -
- -
0.12
0.16
0.18
0.2
- -
Dividend per Share
- -
2.69
4.41
5.65
6.35
7.44
- -
Book Value per Share
- -
10.15
11.66
8.12
9.54
10.09
- -
Tangible Book Value per Share
- -
2
2
2
2
2
- -
Basic Weighted Avg Shares
9
10
13
11
11
11
12
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
2
3
2
2
2
3
Net Income, GAAP
25.58
27.32
26.38
28.08
26.81
27.34
24.18
Effective Tax Rate (%)
10.42
16.26
25.44
21.99
21.39
21.46
23.39
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
Working Capital
11
14
14
11
11
11
15
LT Debt
16
18
21
14
18
19
22
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
42.87
51.62
27.62
22.42
18.61
18.43
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
6.43%
18.51%
Free Cash Flow
- -
15.51%
39.54%
Net Income, GAAP
- -
16.29%
15.91%
Sales/Revenue/Turnover
- -
3.33%
6.33%
Total Cash Common Dividend
- -
8.34%
14.71%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
11
2024
- -
- -
- -
- -
11
2025
- -
- -
- -
- -
12

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.32
2024
- -
- -
- -
- -
1.28
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.18
2024
- -
- -
- -
- -
0.2
2025
- -
- -
- -
- -
- -
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Business
Tennessee Valley Financial Holdings, Inc. functions as the parent company for TNBank, delivering a comprehensive array of financial solutions to both individual and commercial clientele. The institution provides a variety of deposit accounts, including checking options like Kasasa, savings plans, money market investments, certificates of deposit, and individual retirement accounts. Beyond these, the company extends various lending products such as commercial, residential, and consumer loans, along with mortgage offerings and construction financing. For business customers, TNBank facilitates remote deposit capture, merchant services encompassing credit and debit card processing, electronic gift card programs, and web-based transaction solutions. The bank further enhances convenience with debit and credit cards, automated clearing house (ACH) payroll processing, and digital banking platforms for mobile, online, and telephone access. Headquartered in Oak Ridge, Tennessee, the firm was established in 1994 and is committed to a "Hometown Banking" philosophy, focusing on community relationships and local decision-making across its five locations in three counties.