Thomasville Bancshares (THVB) AI Stock Analysis

Thomasville Bancshares

(Other OTC:THVB)

Select Model

Rating:72Outperform

Price Target:$115.00▲(10.98% Upside)

Action:reiterated

Date:08/06/26

The score is driven primarily by strong financial performance (conservative leverage and consistently positive cash generation), tempered by year-to-year volatility and a sharp 2025 step-change that introduces sustainability risk. Valuation is supportive with a mid-teens P/E and ~2.85% dividend yield, while technical indicators are broadly neutral with slightly negative near-term momentum.

Positive Factors

Conservative leverageLow and falling debt materially improves financial flexibility and reduces solvency risk, giving the bank capacity to absorb credit losses and fund growth from equity and deposits. This durable strength supports lending capacity and stability across economic cycles over the next 2–6 months.

Negative Factors

Earnings volatility / 2025 step-changeLarge year-to-year swings and an outsized 2025 profit jump reduce comparability and raise sustainability concerns. Investors and management face greater uncertainty about normalized earnings power, complicating capital planning, dividend certainty, and long-term forecasting.

Thomasville Bancshares (THVB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $652.22M
Dividend Yield: 2.85%
Average Volume (3M): 813
Price to Earnings (P/E): 14.8
Beta (1Y): 0.24
Revenue Growth: ―
EPS Growth: ―
Country: US
Employees: 62
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 account...

How the Company Makes Money

Thomasville Bancshares primarily makes money through its bank subsidiary by (1) generating net interest income and (2) earning noninterest income (fees), net of operating expenses and credit costs. Net interest income is typically the largest driver:...

Thomasville Bancshares Financial Statement Overview

Summary

Financial statements are strong overall: conservative leverage (debt effectively dropping to near-zero in 2025), steady asset/equity growth, and consistently positive operating/free cash flow that broadly tracks earnings. Offsetting this strength is notable volatility (2024 revenue decline followed by a sharp 2025 step-change in profitability and returns), which raises sustainability/comparability risk and keeps the score below top-tier.

Income Statement

74Positive

Balance Sheet

82Very Positive

Cash Flow

71Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price103.63

Price Trends

50DMA103.69Negative

100DMA104.09Negative

200DMA100.06Positive

Market Momentum

MACD-0.09Positive

RSI50.18Neutral

STOCH18.36Positive

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 103.63 is above the 20-day moving average (MA) of 103.53, below the 50-day MA of 103.69, and above the 200-day MA of 100.06, indicating a neutral trend. The MACD of -0.09 indicates Positive momentum. The RSI at 50.18 is Neutral, neither overbought nor oversold. The STOCH value of 18.36 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for THVB.

Thomasville Bancshares Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

THVB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SMBK	78Outperform	$828.63M	13.06	10.97%	0.70%	9.93%	34.28%
CARE	76Outperform	$642.75M	4.83	26.30%	0.69%	39.69%	336.92%
CCBG	75Outperform	$870.38M	13.90	11.12%	2.10%	-0.70%	2.48%
THVB	72Outperform	$657.24M	14.84	23.65%	2.85%	―	―
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBAN	66Neutral	$431.63M	11.18	9.73%	2.34%	21.22%	13.95%
SFST	66Neutral	$565.47M	12.04	10.39%	―	8.99%	52.74%

* Financial Sector Average

Performance Comparison

THVB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
THVB	Thomasville Bancshares	103.63	14.30	16.01%
CCBG	Capital City Bank	50.86	12.39	32.22%
CBAN	Colony Bankcorp	20.34	4.66	29.71%
SFST	Southern First Bancshares	59.58	15.47	35.07%
SMBK	SmartFinancial, Inc.	48.47	13.64	39.17%
CARE	Carter Bankshares, Inc.	29.00	12.11	71.66%

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.

Date of analysis: Aug 06, 2026

Thomasville Bancshares AI Stock Analysis