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Thomasville BancsharesTHVB 84 3-Year FCF Growth Rate is 13.50% as of Dec. 2025, which is 7% below its 10-year median of 14.55. GuruFocus rates THVB with a GF Score™ of 84/100 and a GF Value™ of $100.68 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,043 Banks companies, Thomasville Bancshares ranks better than 69.42% on this metric.
During the past 12 months, Thomasville Bancshares's average Free Cash Flow per Share Growth Rate was 46.60% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 13.50% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 18.00% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 15.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Thomasville Bancshares was 33.80% per year. The lowest was 4.50% per year. And the median was 14.55% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Thomasville Bancshares 3-Year FCF Growth Rate Related Terms
THVB vs RRBI, ALPIB, BHB: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Thomasville Bancshares's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 13.50% mean?
Thomasville Bancshares (THVB) has a 3-Year FCF Growth Rate of 13.50% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Thomasville Bancshares and its competitors. This is near median its historical median of 14.55. Over the past decade, Thomasville Bancshares' 3-Year FCF Growth Rate has ranged from 4.50 to 33.80. According to the industry distribution chart, Thomasville Bancshares ranks #319 out of 1043 companies in the Banks industry, placing it in the top 30.6%.
Is Thomasville Bancshares' 3-Year FCF Growth Rate too high?
Thomasville Bancshares' current 3-Year FCF Growth Rate of 13.50% is near median its 10-year median of 14.55. Over the past 10 years, this metric has ranged from a low of 4.50 to a high of 33.80. The Banks industry median 3-Year FCF Growth Rate is 0.40. Thomasville Bancshares' value of 13.50% is 3275% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #319 out of 1043 companies in the Banks industry, which is above the industry midpoint. 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' 3-Year FCF Growth Rate compare to RRBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #319 out of 1043 companies for 3-Year FCF Growth Rate. This puts Thomasville Bancshares in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.40. Thomasville Bancshares' value of 13.50% is 3275% above this benchmark. Historically, Thomasville Bancshares' own 3-Year FCF Growth Rate has ranged from 4.50 to 33.80 over the past decade. While the company's 10-year median is 14.55 vs. the industry median of 0.40, Thomasville Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current 3-Year FCF Growth Rate of 13.50% is 3275% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Thomasville Bancshares and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current 3-Year FCF Growth Rate is 13.50%, which is near median its own 10-year median of 14.55. 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 $100.68, compared to a current price of $104.00 — trading 3.3% above its estimated fair value. The current 3-Year FCF Growth Rate is 13.50%, which is near median its 10-year median of 14.55 and 3275% above the Banks industry median of 0.40. 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 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current 3-Year FCF Growth Rate is 13.50% 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 $104.00 is trading 3.3% above its estimated GF Value™ of $100.68.
GuruFocus considers Thomasville Bancshares to be Fairly Valued.
Key valuation signals for THVB:
3-Year FCF Growth Rate: 13.50% (near median its 10-year median of 14.55)
GF Value™: $100.68 vs. price of $104.00 (3.3% above fair value)
Industry Position: 3275% above the Banks median (#319 of 1043)
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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