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	3/6
Future Growth	0/6
Past Performance	6/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 38.4% below our estimate of its fair value

Earnings grew by 17.2% over the past year

Pays a reliable dividend of 3.38%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Thomasville Bancshares, Inc. Competitors

River City Bank

OTCPK:RCBC

US$468.3m

Southern Missouri Bancorp

NasdaqGM:SMBC

US$547.6m

Mid Penn Bancorp

NasdaqGM:MPB

US$488.3m

Orrstown Financial Services

NasdaqCM:ORRF

US$523.5m

Price History & Performance

Summary of share price highs, lows and changes for Thomasville Bancshares
Historical stock prices
Current Share Price	US$74.00
52 Week High	US$77.00
52 Week Low	US$63.25
Beta	0.15
1 Month Change	-1.33%
3 Month Change	2.78%
1 Year Change	15.63%
3 Year Change	14.73%
5 Year Change	64.44%
Change since IPO	1,457.89%

Recent updates

Shareholder Returns

	THVB	US Banks	US Market
7D	-1.3%	-2.3%	-3.0%
1Y	15.6%	13.0%	4.6%

Return vs Industry: THVB matched the US Banks industry which returned 14.9% over the past year.

Return vs Market: THVB exceeded the US Market which returned 5.9% over the past year.

Price Volatility

Is THVB's price volatile compared to industry and market?
THVB volatility
THVB Average Weekly Movement	n/a
Banks Industry Average Movement	4.6%
Market Average Movement	7.7%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	4.0%

Stable Share Price: THVB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine THVB's volatility change 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$467.55m
Earnings (TTM)	US$38.50m
Revenue (TTM)	US$88.09m

12.1x

P/E Ratio

2.7x

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$88.09m
Cost of Revenue	US$0
Gross Profit	US$88.09m
Other Expenses	US$49.59m
Earnings	US$38.50m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	6.09
Gross Margin	100.00%
Net Profit Margin	43.70%
Debt/Equity Ratio	34.8%

How did THVB perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

38%

Payout Ratio

Does THVB pay a reliable dividends?

See THVB dividend history and benchmarks

When do you need to buy THVB by to receive an upcoming dividend?
Thomasville Bancshares dividend dates
Ex Dividend Date	Jun 11 2025
Dividend Pay Date	Jul 02 2025
Days until Ex dividend	54 days
Days until Dividend pay date	75 days

Does THVB pay a reliable dividends?

See THVB dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/04/17 20:54
End of Day Share Price	2025/04/14 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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 Github.

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.