OTCPK:THVB

Stock Analysis Report

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Thomasville Bancshares

Executive Summary

Thomasville Bancshares, Inc. operates as a bank holding company for Thomasville National Bank that offers various banking products and services.


Snowflake Analysis

Not a dividend payer with weak fundamentals.

Share Price & News

How has Thomasville Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events

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


Market Performance


7 Day Return

-0.5%

THVB

3.8%

US Banks

1.9%

US Market


1 Year Return

12.2%

THVB

-19.0%

US Banks

16.4%

US Market

Return vs Industry: THVB exceeded the US Banks industry which returned -20% over the past year.

Return vs Market: THVB underperformed the US Market which returned 16.3% over the past year.


Shareholder returns

THVBIndustryMarket
7 Day-0.5%3.8%1.9%
30 Day-2.1%5.4%4.5%
90 Day4.5%13.7%17.6%
1 Year15.2%12.2%-16.1%-19.0%18.9%16.4%
3 Year36.5%25.2%-10.1%-17.4%44.1%34.8%
5 Year79.1%55.9%13.8%-0.07%75.3%56.3%

Price Volatility Vs. Market

How volatile is Thomasville Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Thomasville Bancshares undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Below Fair Value: THVB ($46) is trading above our estimate of fair value ($10.16)

Significantly Below Fair Value: THVB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate THVB's PE Ratio to determine if it is good value compared to the US Banks industry average.

PE vs Market: Insufficient data to calculate THVB's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate THVB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate THVB's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is Thomasville Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

26.7%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Thomasville Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of THVB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Thomasville Bancshares's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

How has Thomasville Bancshares performed over the past 5 years?

14.9%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Thomasville Bancshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Thomasville Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Thomasville Bancshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Thomasville Bancshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of THVB’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Thomasville Bancshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Thomasville Bancshares's current dividend yield, its reliability and sustainability?

1.63%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: THVB's dividend (1.63%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: THVB's dividend (1.63%) is low compared to the top 25% of dividend payers in the US market (4.35%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, THVB has been paying a dividend for less than 10 years.

Growing Dividend: THVB's dividend payments have increased, but the company has only paid a dividend for 6 years.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

25.4yrs

Average board tenure


CEO

Stephen Cheney (62 yo)

25.42yrs

Tenure

US$286,197

Compensation

Mr. Stephen Harmon Cheney serves as Chairman and Chief Executive Officer of Thomasville Bancshares, Inc. Mr. Cheney serves as Director of TNB Financial Services, Inc and serves as Chairman at Thomasville N ...


Board Members

NamePositionTenureCompensationOwnership
Stephen Cheney
Chairman & CEO25.42yrsUS$286.20k4.87%
$ 13.5m
Charles Hodges
Executive VP & Director25.42yrsUS$193.41k3.01%
$ 8.3m
Joel Barrett
Executive VP & Director14.25yrsUS$222.64k2%
$ 5.5m
Richard Singletary
Lead Independent Director2.58yrsUS$17.90k5.16%
$ 14.3m
Randall Moore
Independent Director21.25yrsUS$5.50k2.84%
$ 7.9m
David Cone
Independent Vice Chairman of the Boardno dataUS$10.00k0.20%
$ 548.2k
Harold Jackson
Independent Director25.42yrsUS$6.50kno data
Charles Hancock
Independent Director25.42yrsUS$8.50k0.50%
$ 1.4m
Charles Balfour
Independent Director25.42yrsUS$6.00k1.71%
$ 4.7m
John Bannister
Directorno datano data2.91%
$ 8.1m
Mills Herndon
Directorno datano data0.13%
$ 356.3k

25.4yrs

Average Tenure

60yo

Average Age

Experienced Board: THVB's board of directors are seasoned and experienced ( 25.4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Thomasville Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Thomasville Bancshares, Inc.
  • Ticker: THVB
  • Exchange: OTCPK
  • Founded: 1995
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$276.838m
  • Shares outstanding: 6.02m
  • Website: https://www.tnbank.com

Location

  • Thomasville Bancshares, Inc.
  • 301 North Broad Street
  • Thomasville
  • Georgia
  • 31792
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
THVBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 1999

Biography

Thomasville Bancshares, Inc. operates as a bank holding company for Thomasville National Bank that offers various banking products and services. The company is based in Thomasville, Georgia.


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/09 23:51
End of Day Share Price2020/08/07 00:00
Earnings2015/12/31
Annual Earnings2015/12/31


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.