THVB (Thomasville Bancshares) Moat Score: 3/10 (As of Aug. 01, 2026)

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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 Moat Score?

Thomasville Bancshares THVB 84 Moat Score is 3 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. Among 1,609 Banks companies, Thomasville Bancshares ranks better than 74.64% on this metric.

Thomasville Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Thomasville Bancshares has No Moat: Thomasville Bancshares has very weak competitive advantages. It operates in a competitive banking sector with limited market share, no significant brand strength, and lacks regulatory barriers or proprietary technology.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Thomasville Bancshares might have No Moat - Very weak/transient advantages.

Thomasville Bancshares  (OTCPK:THVB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Thomasville Bancshares Moat Score Related Terms

THVB vs MSBI, ALPIB, RRBI: Moat Score Comparison

For the Banks - Regional subindustry, Thomasville Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Thomasville Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Thomasville Bancshares's Moat Score falls into.


THVB
84GF Score
Thomasville Bancshares Inc THVB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Thomasville Bancshares (THVB) has a Moat Score of 3 as of Aug. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Thomasville Bancshares ranks #408 out of 1609 companies in the Banks industry, placing it in the top 25.4%.
Is Thomasville Bancshares' Moat Score too high?
Thomasville Bancshares' current Moat Score is 3. Based on the distribution chart, Thomasville Bancshares ranks #408 out of 1609 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' Moat Score compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #408 out of 1609 companies for Moat Score. This puts Thomasville Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Thomasville Bancshares's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Moat Score is 3 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:

  • Moat Score: 3
  • 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$105.00
Price
$99.00
GF Value