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Thomasville BancsharesTHVB 84 Cash-to-Debt is No Debt (1) as of Dec. 2025, which is 100% below its 10-year median of 54.30. GuruFocus rates THVB with a GF Score™ of 84/100 and a GF Value™ of $99.82 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,490 Banks companies, Thomasville Bancshares ranks better than 99.73% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Thomasville Bancshares's cash to debt ratio for the quarter that ended in Dec. 2025 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Thomasville Bancsharescould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Thomasville Bancshares's Cash-to-Debt or its related term are showing as below:
THVB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 21.22 Med: 54.3 Max: No Debt
Current: No Debt
During the past 13 years, Thomasville Bancshares's highest Cash to Debt Ratio was No Debt. The lowest was 21.22. And the median was 54.30.
THVB's Cash-to-Debt is ranked better than 99.73% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs THVB: No Debt
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Thomasville Bancshares Cash-to-Debt Related Terms
Thomasville Bancshares Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
THVB vs MSBI, ALPIB, RRBI: Cash-to-Debt Comparison
For the Banks - Regional subindustry, Thomasville Bancshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Thomasville Bancshares Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's Cash-to-Debt falls into.
Thomasville Bancshares's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
Thomasville Bancshares had no debt (1).
Thomasville Bancshares's Cash to Debt Ratio for the quarter that ended in Dec. 2025 is calculated as:
Thomasville Bancshares had no debt (1).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Thomasville Bancshares (THVB) has a Cash-to-Debt of No Debt (1) as of Dec. 2025. This is 98% below median its historical median of 54.30. Over the past decade, Thomasville Bancshares' Cash-to-Debt has ranged from 21.22 to 10,000.00. According to the industry distribution chart, Thomasville Bancshares ranks #4 out of 1490 companies in the Banks industry, placing it in the top 0.3%.
Is Thomasville Bancshares' Cash-to-Debt too high?
Thomasville Bancshares' current Cash-to-Debt of No Debt (1) is 98% below median its 10-year median of 54.30. Over the past 10 years, this metric has ranged from a low of 21.22 to a high of 10,000.00. Based on the distribution chart, Thomasville Bancshares ranks #4 out of 1490 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Thomasville Bancshares has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Thomasville Bancshares' Cash-to-Debt compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #4 out of 1490 companies for Cash-to-Debt. This places Thomasville Bancshares in the top 0% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Historically, Thomasville Bancshares' own Cash-to-Debt has ranged from 21.22 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current Cash-to-Debt is No Debt (1), which is 98% below median its own 10-year median of 54.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thomasville Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Thomasville Bancshares (THVB) is currently considered Fairly Valued. The stock's GF Value™ is $99.82, compared to a current price of $105.00 — trading 5.2% above its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 98% below median its 10-year median of 54.30. Thomasville Bancshares' overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Cash-to-Debt is No Debt (1) as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Thomasville Bancshares (THVB) Overvalued in 2026?
Based on GuruFocus' analysis, Thomasville Bancshares stock appears to be overvalued.
The current stock price of $105.00 is trading 5.2% above its estimated GF Value™ of $99.82.
GuruFocus considers Thomasville Bancshares to be Fairly Valued.
Key valuation signals for THVB:
Cash-to-Debt: No Debt (1) (98% below median its 10-year median of 54.30)
GF Value™: $99.82 vs. price of $105.00 (5.2% above fair value)
No single metric tells the full story. See the THVB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thomasville Bancshares Inc is a holding company. The company operates two full-service banking offices in Thomasville, Georgia, and a full-service division located in St. Simons Island, Georgia. It provides integrated services ranging from checking to loans to investments. The bank provides personal banking, business banking, loans, mobile banking, and wealth management services. Its personal banking and business banking services include checking accounts and savings accounts. Its loans include mortgages, consumer loans, and commercial loans. It offers customers a range of home-buying options from in-house lending to secondary market loans.
84GF Score
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