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Thomasville BancsharesTHVB 84 FCF Margin % is 44.74% as of Dec. 2025, which is 20% above its 10-year median of 37.26. 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 1,502 Banks companies, Thomasville Bancshares ranks better than 71.97% on this metric.
* 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: FCF Margin % Comparison
For the Banks - Regional subindustry, Thomasville Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's FCF Margin % falls into.
* 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 FCF Margin % of 44.74% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Thomasville Bancshares and its competitors. This is 20% above median its historical median of 37.26. Over the past decade, Thomasville Bancshares' FCF Margin % has ranged from 28.33 to 45.56. According to the industry distribution chart, Thomasville Bancshares ranks #421 out of 1502 companies in the Banks industry, placing it in the top 28%.
Is Thomasville Bancshares' FCF Margin % too high?
Thomasville Bancshares' current FCF Margin % of 44.74% is 20% above median its 10-year median of 37.26. Over the past 10 years, this metric has ranged from a low of 28.33 to a high of 45.56. The Banks industry median FCF Margin % is 25.85. Thomasville Bancshares' value of 44.74% is 73.1% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #421 out of 1502 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' FCF Margin % compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #421 out of 1502 companies for FCF Margin %. This puts Thomasville Bancshares in the upper half of its industry. The industry median FCF Margin % is 25.85. Thomasville Bancshares' value of 44.74% is 73.1% above this benchmark. Historically, Thomasville Bancshares' own FCF Margin % has ranged from 28.33 to 45.56 over the past decade. While the company's 10-year median is 37.26 vs. the industry median of 25.85, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current FCF Margin % of 44.74% is 73.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current FCF Margin % is 44.74%, which is 20% above median its own 10-year median of 37.26. 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 FCF Margin % is 44.74%, which is 20% above median its 10-year median of 37.26 and 73.1% above the Banks industry median of 25.85. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current FCF Margin % is 44.74% 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:
FCF Margin %: 44.74% (20% above median its 10-year median of 37.26)
GF Value™: $99.04 vs. price of $105.00 (6% above fair value)
Industry Position: 73.1% above the Banks median (#421 of 1502)
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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