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Thomasville Bancshares
(OTC:THVB)
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Rating:74Outperform
Price Target:
$116.00
▲(12.02% 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
Thomasville’s balance sheet shows materially lower leverage and debt effectively falling to zero in 2025, which meaningfully increases financial flexibility and reduces refinancing risk. This structural strength supports capital allocation, dividend capacity, and resilience through economic cycles.
Negative Factors
Earnings Volatility
Financial results show material year-to-year swings, with a revenue decline in 2024 followed by an outsized profitability jump in 2025. Such step-changes reduce comparability, complicate forecasting, and raise the risk that recent margins and returns may normalize, pressuring medium-term earnings predictability.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Thomasville’s balance sheet shows materially lower leverage and debt effectively falling to zero in 2025, which meaningfully increases financial flexibility and reduces refinancing risk. This structural strength supports capital allocation, dividend capacity, and resilience through economic cycles.
Read all positive factors
Thomasville Bancshares (THVB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$652.05M
Dividend Yield2.85%
Average Volume (3M)166.00
Price to Earnings (P/E)15.1
Beta (1Y)0.25
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 Cap1.09
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
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 driv...
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
Negative
103.55
Price Trends
104.14
Negative
99.58
Positive
96.05
Positive
Market Momentum
0.27
Positive
47.73
Neutral
49.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For THVB, the sentiment is Negative. The current price of 103.55 is below the 20-day moving average (MA) of 104.55, below the 50-day MA of 104.14, and above the 200-day MA of 96.05, indicating a neutral trend. The MACD of 0.27 indicates Positive momentum. The RSI at 47.73 is Neutral, neither overbought nor oversold. The STOCH value of 49.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | $685.11M | 11.45 | 10.59% | ― | -2.10% | 110.42% | |
75 Outperform | $817.01M | 10.14 | 10.66% | 3.10% | 46.45% | ― | |
75 Outperform | $819.67M | 12.31 | 11.10% | 2.12% | 2.79% | 22.84% | |
74 Outperform | $652.05M | 15.13 | 23.65% | 2.85% | ― | ― | |
70 Outperform | $939.15M | 11.01 | 9.53% | 4.48% | 16.77% | 9.62% | |
68 Neutral | $743.18M | 13.40 | 10.18% | 5.83% | 27.46% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
THVB
Thomasville Bancshares
103.55
23.93
30.06%
FMNB
Farmers National Banc Oh
15.86
3.13
24.57%
FISI
Financial Institutions
41.46
17.34
71.88%
SHBI
Shore Bancshares
24.50
9.52
63.57%
WASH
Washington Bancorp
38.98
13.86
55.18%
BCAL
California BanCorp
21.30
6.55
44.40%
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.