THVB (Thomasville Bancshares) Margin of Safety % (DCF Dividends Based): 9.53% (As of Aug. 01, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

THVB Thomasville Bancshares Inc THVB
84 GF Score
Price $105.00
GF Value $99.00
Valuation Fairly Valued
! 4 Warning Signs
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What is Thomasville Bancshares Margin of Safety % (DCF Dividends Based)?

Thomasville Bancshares THVB 84 Margin of Safety % (DCF Dividends Based) is 9.53% as of Aug. 01, 2026. GuruFocus rates THVB with a GF Score™ of 84/100 and a GF Value™ of $99.00 (Fairly Valued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-08-01), Thomasville Bancshares's Predictability Rank is 5-Stars. Thomasville Bancshares's intrinsic value calculated from the Discounted Dividend model is $164.07 and current share price is $105.00. Consequently,

Thomasville Bancshares's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 9.53%.


THVB vs MSBI, ALPIB, RRBI: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Thomasville Bancshares's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Thomasville Bancshares's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Thomasville Bancshares's Margin of Safety % (DCF Dividends Based) falls into.


THVB
84GF Score
Thomasville Bancshares Inc THVB
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Thomasville Bancshares Margin of Safety % (DCF Dividends Based) Calculation

Thomasville Bancshares's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(116.06-105.00)/116.06
=9.53 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 9.53% mean?
Thomasville Bancshares (THVB) has a Margin of Safety % (DCF Dividends Based) of 9.53% as of Aug. 01, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Thomasville Bancshares.
Is Thomasville Bancshares' Margin of Safety % (DCF Dividends Based) too high?
Thomasville Bancshares' current Margin of Safety % (DCF Dividends Based) is 9.53%. 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' Margin of Safety % (DCF Dividends Based) compare to MSBI and ALPIB?
Thomasville Bancshares' Margin of Safety % (DCF Dividends Based) of 9.53% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Thomasville Bancshares. Thomasville Bancshares's current Margin of Safety % (DCF Dividends Based) is 9.53%. 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 $99.00, compared to a current price of $105.00 — trading 6.1% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 9.53%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Margin of Safety % (DCF Dividends Based) is 9.53% 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 6.1% above its estimated GF Value™ of $99.00. GuruFocus considers Thomasville Bancshares to be Fairly Valued.

Key valuation signals for THVB:

  • Margin of Safety % (DCF Dividends Based): 9.53%
  • GF Value™: $99.00 vs. price of $105.00 (6.1% above fair value)
  • GF Score™: 84/100 with 4 warning signs

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 Business Description

Address 301 North Broad Street, Thomasville, GA, USA, 31792
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

Get the complete analysis for THVB

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$105.00
Price
$99.00
GF Value