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Thomasville BancsharesTHVB 84 Equity-to-Asset is 0.10 as of Dec. 2025, which is 11% above its 10-year median of 0.09. GuruFocus rates THVB with a GF Score™ of 84/100 and a GF Value™ of $99.04 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Thomasville Bancshares ranks better than 54.89% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Thomasville Bancshares Equity-to-Asset Related Terms
Thomasville Bancshares Equity-to-Asset Historical Data
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The historical data trend for Thomasville Bancshares's Equity-to-Asset can be seen below:
* 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.
THVB vs MSBI, ALPIB, RRBI: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Thomasville Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Thomasville Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Thomasville Bancshares (THVB) has a Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Thomasville Bancshares and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Thomasville Bancshares' Equity-to-Asset has ranged from 0.08 to 0.10. According to the industry distribution chart, Thomasville Bancshares ranks #688 out of 1525 companies in the Banks industry, placing it in the top 45.1%.
Is Thomasville Bancshares' Equity-to-Asset too high?
Thomasville Bancshares' current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Thomasville Bancshares' value of 0.10 is 0% at this industry median. Based on the distribution chart, Thomasville Bancshares ranks #688 out of 1525 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' Equity-to-Asset compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #688 out of 1525 companies for Equity-to-Asset. This puts Thomasville Bancshares in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Thomasville Bancshares' value of 0.10 is 0% at this benchmark. Historically, Thomasville Bancshares' own Equity-to-Asset has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Thomasville Bancshares has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. 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 $99.04, compared to a current price of $105.00 — trading 6% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Equity-to-Asset is 0.10 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 6% above its estimated GF Value™ of $99.04.
GuruFocus considers Thomasville Bancshares to be Fairly Valued.
Key valuation signals for THVB:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $99.04 vs. price of $105.00 (6% above fair value)
Industry Position: 0% at the Banks median (#688 of 1525)
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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