THVB (Thomasville Bancshares) Dividend Payout Ratio: 0.40 (As of Dec. 2025) — 18% Below Median

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THVB Thomasville Bancshares Inc THVB
84 GF Score
Price $105.00
GF Value $99.04
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Thomasville Bancshares Dividend Payout Ratio?

Thomasville Bancshares THVB 84 Dividend Payout Ratio is 0.40 as of Dec. 2025, which is 18% below its 10-year median of 0.49. 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 1,173 Banks companies, Thomasville Bancshares ranks worse than 62.4% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Thomasville Bancshares's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.40.

The historical rank and industry rank for Thomasville Bancshares's Dividend Payout Ratio or its related term are showing as below:

THVB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.39   Med: 0.49   Max: 0.55
Current: 0.4

During the past 13 years, the highest Dividend Payout Ratio of Thomasville Bancshares was 0.55. The lowest was 0.39. And the median was 0.49.

THVB's Dividend Payout Ratio is ranked worse than
62.4% of 1173 companies
in the Banks industry
Industry Median: 0.32 vs THVB: 0.40

As of today (2026-08-01), the Dividend Yield % of Thomasville Bancshares is 2.81%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Thomasville Bancshares was 3.38%. The lowest was 2.03%. And the median was 2.70%.

Thomasville Bancshares's Dividends per Share for the months ended in Dec. 2025 was $2.70.

During the past 12 months, Thomasville Bancshares's average Dividends Per Share Growth Rate was 17.40% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 15.60% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 12.60% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 12.70% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Thomasville Bancshares was 58.70% per year. The lowest was 7.20% per year. And the median was 15.50% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Thomasville Bancshares (OTCPK:THVB) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Thomasville Bancshares Dividend Payout Ratio Related Terms

Thomasville Bancshares Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Thomasville Bancshares's Dividend Payout Ratio 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.

Thomasville Bancshares Dividend Payout Ratio Chart

Thomasville Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.46 0.49 0.39 0.39 0.40

Thomasville Bancshares Semi-Annual Data
Dec05 Dec06 Dec07 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.46 0.49 0.39 0.39 0.40

THVB vs MSBI, ALPIB, RRBI: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Thomasville Bancshares's Dividend Payout Ratio falls into.


THVB
84GF Score
Thomasville Bancshares Inc THVB
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Thomasville Bancshares Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Thomasville Bancshares's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=2.7/ 6.73
=0.40

Thomasville Bancshares's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=2.7/ 6.73
=0.40

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.40 mean?
Thomasville Bancshares (THVB) has a Dividend Payout Ratio of 0.40 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Thomasville Bancshares and its competitors. This is 18% below median its historical median of 0.49. Over the past decade, Thomasville Bancshares' Dividend Payout Ratio has ranged from 0.39 to 0.55. According to the industry distribution chart, Thomasville Bancshares ranks #732 out of 1173 companies in the Banks industry, placing it in the top 62.4%.
Is Thomasville Bancshares' Dividend Payout Ratio too high?
Thomasville Bancshares' current Dividend Payout Ratio of 0.40 is 18% below median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 0.55. The Banks industry median Dividend Payout Ratio is 0.32. Thomasville Bancshares' value of 0.40 is 25% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #732 out of 1173 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' Dividend Payout Ratio compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #732 out of 1173 companies for Dividend Payout Ratio. This places Thomasville Bancshares in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Thomasville Bancshares' value of 0.40 is 25% above this benchmark. Historically, Thomasville Bancshares' own Dividend Payout Ratio has ranged from 0.39 to 0.55 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,173 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current Dividend Payout Ratio of 0.40 is 25% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current Dividend Payout Ratio is 0.40, which is 18% below median its own 10-year median of 0.49. 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 Dividend Payout Ratio is 0.40, which is 18% below median its 10-year median of 0.49 and 25% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Dividend Payout Ratio is 0.40 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:

  • Dividend Payout Ratio: 0.40 (18% below median its 10-year median of 0.49)
  • GF Value™: $99.04 vs. price of $105.00 (6% above fair value)
  • GF Score™: 84/100 with 4 warning signs
  • Industry Position: 25% above the Banks median (#732 of 1173)

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

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

$105.00
Price
$99.04
GF Value