THVB Stock Overview

Operates as the bank holding company for Thomasville National Bank that provides a range of banking services to individual and corporate customers primarily in Thomas and Glynn counties, Georgia, Leon County, Florida, and the surrounding counties. More details

THVB fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	6/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 34.1% below our estimate of its fair value

Earnings grew by 30.5% over the past year

Pays a reliable dividend of 3.57%

Risk Analysis

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

Thomasville Bancshares, Inc. Competitors

West Coast Community Bancorp

OTCPK:SCZC

US$440.3m

Bank7

NasdaqGS:BSVN

US$403.0m

River City Bank

OTCPK:RCBC

US$453.9m

Summit Financial Group

NasdaqGS:SMMF

US$377.4m

Price History & Performance

Summary of share price highs, lows and changes for Thomasville Bancshares
Historical stock prices
Current Share Price	US$70.00
52 Week High	US$72.00
52 Week Low	US$61.51
Beta	0.16
1 Month Change	-0.71%
3 Month Change	6.06%
1 Year Change	12.90%
3 Year Change	7.69%
5 Year Change	52.17%
Change since IPO	1,373.68%

Recent updates

Shareholder Returns

	THVB	US Banks	US Market
7D	0%	-3.4%	-2.4%
1Y	12.9%	29.1%	23.3%

Return vs Industry: THVB underperformed the US Banks industry which returned 27.2% over the past year.

Return vs Market: THVB underperformed the US Market which returned 22.1% over the past year.

Price Volatility

Is THVB's price volatile compared to industry and market?
THVB volatility
THVB Average Weekly Movement	2.7%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: THVB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: THVB's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1995	n/a	Stephen Cheney	www.tnbank.com

Thomasville Bancshares, Inc. operates as the bank holding company for Thomasville National Bank that provides a range of banking services to individual and corporate customers primarily in Thomas and Glynn counties, Georgia, Leon County, Florida, and the surrounding counties. The company offers checking and savings accounts; money market accounts; and certificates of deposits. It also provides commercial real estate mortgage loans, such as non-farm and non-residential commercial real estate loans, construction loans for commercial businesses, multifamily loans secured by income producing properties, and farmland; and 1-4 family residential loans, including first mortgage liens, junior liens, and home equity lines.

Thomasville Bancshares, Inc. Fundamentals Summary

How do Thomasville Bancshares's earnings and revenue compare to its market cap?
THVB fundamental statistics
Market cap	US$441.61m
Earnings (TTM)	US$32.86m
Revenue (TTM)	US$76.10m

13.4x

P/E Ratio

2.9x

P/B Ratio

Is THVB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
THVB income statement (TTM)
Revenue	US$76.10m
Cost of Revenue	US$0
Gross Profit	US$76.10m
Other Expenses	US$43.24m
Earnings	US$32.86m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	5.21
Gross Margin	100.00%
Net Profit Margin	43.18%
Debt/Equity Ratio	41.9%

How did THVB perform over the long term?

See historical performance and comparison

Dividends

3.6%

Current Dividend Yield

38%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 11:48
End of Day Share Price	2024/12/18 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Thomasville Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution