Thomasville Bancshares (THVB) AI Stock Analysis

• Market Cap: $579.95M
• Dividend Yield: 3.1%
• Average Volume (3M): 166.00
• Price to Earnings (P/E): 4.3
• Beta (1Y): 0.15
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 62
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 6,296,989
• 10 Day Avg. Volume: 39
• 30 Day Avg. Volume: 166
• PEG Ratio: 0.31
• Price to Book (P/B): 3.13
• Price to Sales (P/S): 4.27
• P/FCF Ratio: 13.71
• Enterprise Value/Market Cap: 0.70
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $104.00 ▲(12.13% Upside)
• Action: Reiterated Date: 03/13/26
• Date: Action: Reiterated 03/13/26

The score is driven primarily by strong financial performance (low leverage, positive cash flow) and very attractive valuation (low P/E with a ~3.16% yield). These positives are partially offset by weak technical momentum (below key moving averages with negative MACD and low RSI/Stochastic), suggesting softer near-term price action.

Positive Factors

Conservative Leverage

A very conservative leverage profile with debt falling to essentially zero in 2025 materially improves financial flexibility and reduces funding and solvency risk. Over months this supports capacity to absorb loan losses, maintain regulatory capital, and pursue selective growth without urgent external financing.

Negative Factors

Revenue & Profitability Volatility

Marked year-to-year swings—declining revenue in 2024 followed by an outsized profitability jump in 2025—create comparability risk and reduce confidence in trend extrapolation. Such volatility complicates forecasting, capital planning, and raises questions about whether elevated ROE reflects sustainable operations or one-off items.

Thomasville Bancshares Business Overview & Revenue Model

Company Description

Thomasville Bancshares, Inc. operates as a bank holding company for Thomasville National Bank that offers various banking products and services. It offers checking and savings account; and loan products comprising mortgages, and consumer and comme...

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Thomasville Bancshares, Inc. operates as a bank holding company for Thomasville National Bank that offers various banking products and services. It offers checking and savings account; and loan products comprising mortgages, and consumer and comme...

How the Company Makes Money

THVB primarily makes money through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income. Net interest income is typically the largest driver: the bank earns interest and fees on loans (e.g., commercial, c...

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THVB primarily makes money through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income. Net interest income is typically the largest driver: the bank earns interest and fees on loans (e.g., commercial, c...

Thomasville Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	148.83M	90.09M	108.94M	76.32M	65.14M
Gross Profit	148.83M	90.09M	76.10M	65.21M	58.30M
EBITDA	148.83M	0.00	42.20M	33.05M	30.24M
Net Income	148.83M	39.27M	33.55M	25.79M	23.09M
Balance Sheet
Total Assets	2.09B	1.89B	1.65B	1.54B	1.46B
Cash, Cash Equivalents and Short-Term Investments	232.60M	266.24M	6.70M	76.32M	183.58M
Total Debt	0.00	61.02M	63.45M	1.60M	1.60M
Total Liabilities	1.88B	1.72B	1.49B	1.41B	1.35B
Stockholders Equity	203.38M	175.12M	151.48M	130.92M	115.97M
Cash Flow
Free Cash Flow	46.42M	31.58M	31.67M	31.82M	23.01M
Operating Cash Flow	50.26M	35.80M	33.56M	33.50M	26.46M
Investing Cash Flow	-197.89M	-242.83M	-104.20M	-83.10M	-236.98M
Financing Cash Flow	148.42M	204.66M	69.54M	49.62M	212.61M

Thomasville Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 92.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For THVB, the sentiment is Positive. The current price of 92.75 is below the 20-day moving average (MA) of 93.87, below the 50-day MA of 94.91, and above the 200-day MA of 90.36, indicating a neutral trend. The MACD of -0.57 indicates Positive momentum. The RSI at 48.77 is Neutral, neither overbought nor oversold. The STOCH value of 27.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for THVB.

Thomasville Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
THVB	74 Outperform	$579.95M	4.27	78.64%	3.10%	―	―
WASH	70 Outperform	$680.49M	8.80	9.83%	7.17%	-27.82%	-159.63%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FMNB	67 Neutral	$823.99M	9.18	12.01%	4.95%	3.93%	17.48%
FISI	66 Neutral	$664.62M	8.37	-4.98%	3.89%	-28.00%	-174.60%
SHBI	64 Neutral	$647.98M	9.30	10.25%	2.66%	6.01%	38.05%
BCAL	62 Neutral	$593.52M	9.70	11.36%	―	61.29%	―