Thomasville Bancshares Inc (THVB)
OTHER OTC:THVB
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Thomasville Bancshares
(OTC:THVB)
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Rating:74Outperform
Price Target:
$118.00
▲(27.22% Upside)
Action:Reiterated
Date: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 balance sheet
Very low leverage and a reported drop of debt to essentially zero in 2025 materially improve financial flexibility. This durable capital structure reduces funding risk, lowers interest expense variability, and supports lending or capital-return decisions through economic cycles.
Negative Factors
Year-to-year volatility
Marked year-to-year swings in revenue and profitability reduce forecast reliability and complicate capital planning. Volatility can pressure provisioning and dividend consistency, making multi-quarter planning and investor assessment of core trends more difficult.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and a reported drop of debt to essentially zero in 2025 materially improve financial flexibility. This durable capital structure reduces funding risk, lowers interest expense variability, and supports lending or capital-return decisions through economic cycles.
Read all positive factors
Thomasville Bancshares (THVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$661.18M
Dividend Yield3.1%
Average Volume (3M)166.00
Price to Earnings (P/E)15.1
Beta (1Y)0.21
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees62
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding6,296,989
10 Day Avg. Volume39
30 Day Avg. Volume166
Financial Highlights & Ratios
PEG Ratio1.07
Price to Book (P/B)3.13
Price to Sales (P/S)4.27
P/FCF Ratio13.71
Enterprise Value/Market Cap1.07
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Thomasville Bancshares Business Overview & Revenue Model
Company Description
Thomasville Bancshares, Inc. serves as the holding company for Thomasville National Bank, which provides a comprehensive suite of banking and financial services. Customers can access essential deposit solutions, including checking and savings acco...
How the Company Makes Money
THVB primarily makes money through its bank subsidiary by earning net interest income and generating noninterest income. Net interest income is earned on the spread between (1) interest and fees received on interest-earning assets—primarily commer...
Thomasville Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| 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 | 97.75M | 90.09M | 76.10M | 65.21M | 58.30M |
| EBITDA | 56.58M | 48.78M | 42.20M | 33.05M | 30.24M |
| Net Income | 44.75M | 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 | 8.70M | 266.24M | 6.70M | 76.32M | 183.58M |
| Total Debt | 77.56M | 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
Positive
92.75
Price Trends
100.65
Positive
97.12
Positive
93.86
Positive
Market Momentum
1.00
Positive
54.00
Neutral
20.74
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 104.49, below the 50-day MA of 100.65, and below the 200-day MA of 93.86, indicating a bullish trend. The MACD of 1.00 indicates Positive momentum. The RSI at 54.00 is Neutral, neither overbought nor oversold. The STOCH value of 20.74 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $663.56M | 11.15 | 10.59% | ― | 12.65% | 304.57% | |
76 Outperform | $761.86M | 9.97 | 12.72% | 3.89% | 41.30% | ― | |
74 Outperform | $661.18M | 15.13 | 78.64% | 3.10% | ― | ― | |
74 Outperform | $762.80M | 12.13 | 10.76% | 2.66% | 4.05% | 26.62% | |
72 Outperform | $858.62M | 10.00 | 10.62% | 4.95% | 7.00% | 12.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $665.77M | 12.62 | 9.79% | 7.17% | 25.15% | ― |
* Financial Sector Average
THVB
Thomasville Bancshares
105.00
27.33
35.18%
FMNB
Farmers National Banc Oh
14.50
1.41
10.74%
FISI
Financial Institutions
38.70
13.80
55.42%
SHBI
Shore Bancshares
22.80
7.65
50.47%
WASH
Washington Bancorp
36.28
10.09
38.51%
BCAL
California BanCorp
20.63
5.26
34.26%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.