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Thomasville BancsharesTHVB 84 EV-to-FCF is 9.32 as of Aug. 01, 2026, which is 22% below its 10-year median of 11.99. 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 1,191 Banks companies, Thomasville Bancshares ranks worse than 57.35% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Thomasville Bancshares's Enterprise Value is $432.6 Mil.
Thomasville Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $46.4 Mil. Therefore, Thomasville Bancshares's EV-to-FCF for today is 9.32.
The historical rank and industry rank for Thomasville Bancshares's EV-to-FCF or its related term are showing as below:
THVB'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.24 Med: 11.99 Max: 22.19
Current: 9.32
During the past 13 years, the highest EV-to-FCF of Thomasville Bancshares was 22.19. The lowest was 6.24. And the median was 11.99.
THVB's EV-to-FCF is ranked worse than 57.35% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs THVB: 9.32
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Thomasville Bancshares's PE Ratio (TTM) for today is calculated as:
Thomasville Bancshares's share price for today is $105.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Thomasville Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $6.730.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Thomasville Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's EV-to-FCF falls into.
Thomasville Bancshares's current Enterprise Value is $432.6 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Thomasville Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $46.4 Mil.
* 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 EV-to-FCF of 9.32 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Thomasville Bancshares and its competitors. This is 22% below median its historical median of 11.99. Over the past decade, Thomasville Bancshares' EV-to-FCF has ranged from 6.24 to 22.19. According to the industry distribution chart, Thomasville Bancshares ranks #683 out of 1191 companies in the Banks industry, placing it in the top 57.3%.
Is Thomasville Bancshares' EV-to-FCF too high?
Thomasville Bancshares' current EV-to-FCF of 9.32 is 22% below median its 10-year median of 11.99. Over the past 10 years, this metric has ranged from a low of 6.24 to a high of 22.19. The Banks industry median EV-to-FCF is 7.15. Thomasville Bancshares' value of 9.32 is 30.3% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #683 out of 1191 companies in the Banks industry, which is below 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' EV-to-FCF compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #683 out of 1191 companies for EV-to-FCF. This places Thomasville Bancshares in the lower half of its industry. The industry median EV-to-FCF is 7.15. Thomasville Bancshares' value of 9.32 is 30.3% above this benchmark. Historically, Thomasville Bancshares' own EV-to-FCF has ranged from 6.24 to 22.19 over the past decade. While the company's 10-year median is 11.99 vs. the industry median of 7.15, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current EV-to-FCF of 9.32 is 30.3% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current EV-to-FCF is 9.32, which is 22% below median its own 10-year median of 11.99. 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 EV-to-FCF is 9.32, which is 22% below median its 10-year median of 11.99 and 30.3% above the Banks industry median of 7.15. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current EV-to-FCF is 9.32 as of Aug. 01, 2026. 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:
EV-to-FCF: 9.32 (22% below median its 10-year median of 11.99)
GF Value™: $99.04 vs. price of $105.00 (6% above fair value)
Industry Position: 30.3% above the Banks median (#683 of 1191)
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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