Income statement
USD
Annual
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 17M | 11M | 11M | 13M | 10M |
| Gross Profit | 11M | 11M | 11M | 13M | 10M |
| Operating Income | 3M | 3M | 3M | 4M | 2M |
| EBITDA | 4M | 0 | 0 | 0 | 0 |
| Net Income | 2M | 2M | 2M | 3M | 2M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$10.00
-2.91% today
1Y Change
+44.06%
Window
Jun 23, 2025 → Jun 17, 2026
Coverage: 248 bars · Jun 23, 2025 → Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Tennessee Valley Financial Holdings, Inc. (TVLF) is a Financial Services stock with a market cap of $20.00M and listed on OTC. The stock last traded around $10.00 and up 44.1% across the available one-year price window (Jun 23, 2025 → Jun 17, 2026). Baseline metrics include revenue growth of +48.3%, EPS growth of -1.5%, a dividend yield of 5.2%. What stands out right now is revenue +48.3%, EPS -1.5%, free cash flow -43.0% with operating margin 19.4% and ROIC 6.5%. The dividend matters to the case here, with a current yield around 5.2%. Valuation is more restrained than many high-expectation growth names at P/E 7.5 and price/sales 1.1. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines TVLF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TVLF
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
TVLF Max Drawdown
-17.30%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for TVLF and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$10.4M
-18.9% YoY
FY Net Income
$1.7M
-48.2% YoY
Free Cash Flow
$1.8M
-23.6% YoY
Revenue Growth
+48.3%
EPS Growth
-1.5%
Gross Margin
65.6%
Net Margin
14.1%
Income statement
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 17M | 11M | 11M | 13M | 10M |
| Gross Profit | 11M | 11M | 11M | 13M | 10M |
| Operating Income | 3M | 3M | 3M | 4M | 2M |
| EBITDA | 4M | 0 | 0 | 0 | 0 |
| Net Income | 2M | 2M | 2M | 3M | 2M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Cash & Equivalents | 9M | 8M | 7M | 28M | 25M |
| Total Assets | 287M | 298M | 286M | 289M | 266M |
| Total Liabilities | 269M | 280M | 271M | 268M | 248M |
| Shareholder Equity | 19M | 18M | 14M | 21M | 18M |
| Total Debt | 11M | 11M | 11M | 14M | 14M |
| Net Debt | 2M | -8M | 4M | -14M | -11M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
2M
-12.7% YoY
Capital Expenditures
368K
-185.3% YoY
Free Cash Flow
2M
-23.6% YoY
Key ratios
Gross Margin
65.6%
Operating Margin
19.4%
Net Margin
14.1%
ROE
13.1%
Debt / Equity
0.59x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.