Thomasville Bancshares (THVB) AI Stock Analysis

• Market Cap: $561.69M
• Dividend Yield: 2.84%
• Average Volume (3M): 403.00
• Price to Earnings (P/E): 15.4
• Beta (1Y): 0.17
• 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: 362
• 30 Day Avg. Volume: 403
• PEG Ratio: 0.77
• Price to Book (P/B): 2.56
• Price to Sales (P/S): 4.97
• P/FCF Ratio: 14.18
• Enterprise Value/Market Cap: N/A
• 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

• Rating: 73 Outperform
• Price Target: ―

Thomasville Bancshares scores strongly in financial performance due to its solid balance sheet and efficient cost management. However, the stock's mixed technical indicators and moderate valuation slightly temper the overall score. The absence of debt and stable financials are key strengths, while the technical analysis suggests caution.

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 commercial loans. The company also provides wealth management and mobile banking services. In addition, it offers financial planning, investments, trust, brokerage, and other related financial services. The company was founded in 1995 and is based in Thomasville, Georgia.

How the Company Makes Money

Thomasville Bancshares generates revenue primarily through its banking operations, which include interest income from loans and leases, as well as non-interest income from service charges, fees, and other financial products. The bank earns interest income by providing loans to individuals and businesses, such as mortgages, commercial loans, and consumer loans, and charging interest on these loans. Additionally, it earns non-interest income from services such as deposit account maintenance fees, transaction fees, and investment advisory services. The company's financial performance is influenced by factors like interest rate fluctuations, economic conditions, and its ability to attract and retain customers through competitive financial products and services.

Thomasville Bancshares Financial Statement Overview

Summary

Thomasville Bancshares presents a strong financial profile with efficient cost management, a solid balance sheet with zero debt, and commendable cash flow management. Despite some inconsistency in free cash flow growth, overall financial health is robust.

Income Statement

Thomasville Bancshares has demonstrated strong revenue growth over the years, with a significant increase from 2019 to 2024. Despite a drop in revenue from 2023 to 2024, net profit margins remain robust, indicating efficient cost management. The absence of EBIT and EBITDA in 2024 is notable, but historical figures show strong operational profitability, contributing to a high score.

Balance Sheet

The company exhibits a solid balance sheet with zero debt in 2024, significantly improving from previous years. The debt-to-equity ratio is exemplary at zero, and the company has steadily increased its equity, enhancing financial stability. The equity ratio remains healthy, reflecting a strong capital structure, which is crucial for banking institutions.

Cash Flow

Thomasville Bancshares has maintained positive operating cash flows over the years, with stable free cash flow figures. However, the free cash flow growth rate has shown inconsistency, with a slight decline in 2024. The operating cash flow to net income ratio is strong, indicating good cash earnings quality.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	90.09M	108.94M	69.85M	61.33M	54.19M
Gross Profit	90.09M	108.94M	69.85M	61.33M	54.19M
EBITDA	0.00	42.20M	33.05M	30.24M	25.00M
Net Income	39.27M	33.55M	25.79M	23.09M	19.39M
Balance Sheet
Total Assets	1.89B	1.65B	1.54B	1.46B	1.23B
Cash, Cash Equivalents and Short-Term Investments	266.24M	6.70M	76.32M	183.58M	199.53M
Total Debt	0.00	63.45M	1.60M	1.60M	1.60M
Total Liabilities	1.72B	1.49B	1.41B	1.35B	1.12B
Stockholders Equity	175.12M	151.48M	130.92M	115.97M	102.77M
Cash Flow
Free Cash Flow	31.58M	31.67M	31.82M	23.01M	17.58M
Operating Cash Flow	35.80M	33.56M	33.50M	26.46M	22.16M
Investing Cash Flow	-242.83M	-104.20M	-83.10M	-236.98M	-271.49M
Financing Cash Flow	204.66M	69.54M	49.62M	212.61M	251.37M

Thomasville Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 89.20
• 50DMA: Positive
• 100DMA: Positive
• 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 Neutral. The current price of 89.2 is below the 20-day moving average (MA) of 89.36, above the 50-day MA of 85.81, and above the 200-day MA of 77.35, indicating a neutral trend. The MACD of 1.41 indicates Positive momentum. The RSI at 55.10 is Neutral, neither overbought nor oversold. The STOCH value of 21.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for THVB.

Thomasville Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FMNB	81 Outperform	550.77M	10.89	11.52%	4.65%	6.15%	-1.27%
SMBK	78 Outperform	629.75M	14.91	0.78%	0.86%	16.38%	63.51%
MPB	77 Outperform	700.77M	13.12	5.68%	2.63%	10.75%	-12.34%
THVB	73 Outperform	$561.69M	15.38	22.15%	2.84%	―	―
HIFS	69 Neutral	607.68M	18.54	6.53%	0.90%	6.63%	62.84%
WASH	58 Neutral	567.76M	-19.37	-4.62%	7.56%	-24.82%	-156.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%