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Thomasville BancsharesTHVB 84 PB Ratio is 3.27 as of Aug. 01, 2026, which is 1% above its 10-year median of 3.24. 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 1,515 Banks companies, Thomasville Bancshares ranks worse than 96.24% on this metric.
Thomasville Bancshares Inc stock PB Ratio (=3.27) is close to 3-year high of 3.43.
The historical rank and industry rank for Thomasville Bancshares's PB Ratio or its related term are showing as below:
THVB'
s PB Ratio Range Over the Past 10 Years
Min: 2.52 Med: 3.24 Max: 4.35
Current: 3.27
During the past 13 years, Thomasville Bancshares's highest PB Ratio was 4.35. The lowest was 2.52. And the median was 3.24.
THVB's PB Ratio is ranked worse than 96.24% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs THVB: 3.27
During the past 12 months, Thomasville Bancshares's average Book Value Per Share Growth Rate was 15.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 13.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Thomasville Bancshares was 26.10% per year. The lowest was 9.10% per year. And the median was 12.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Thomasville Bancshares (THVB) has a PB Ratio of 3.27 as of Aug. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Thomasville Bancshares and its competitors. This is near median its historical median of 3.24. Over the past decade, Thomasville Bancshares' PB Ratio has ranged from 2.52 to 4.35. According to the industry distribution chart, Thomasville Bancshares ranks #1458 out of 1515 companies in the Banks industry, placing it in the top 96.2%.
Is Thomasville Bancshares' PB Ratio too high?
Thomasville Bancshares' current PB Ratio of 3.27 is near median its 10-year median of 3.24. Over the past 10 years, this metric has ranged from a low of 2.52 to a high of 4.35. The Banks industry median PB Ratio is 1.11. Thomasville Bancshares' value of 3.27 is 194.6% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #1458 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' PB Ratio compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #1458 out of 1515 companies for PB Ratio. This places Thomasville Bancshares in the lower half of its industry. The industry median PB Ratio is 1.11. Thomasville Bancshares' value of 3.27 is 194.6% above this benchmark. Historically, Thomasville Bancshares' own PB Ratio has ranged from 2.52 to 4.35 over the past decade. While the company's 10-year median is 3.24 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current PB Ratio of 3.27 is 194.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current PB Ratio is 3.27, which is near median its own 10-year median of 3.24. 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 PB Ratio is 3.27, which is near median its 10-year median of 3.24 and 194.6% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current PB Ratio is 3.27 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:
PB Ratio: 3.27 (near median its 10-year median of 3.24)
GF Value™: $99.04 vs. price of $105.00 (6% above fair value)
Industry Position: 194.6% above the Banks median (#1458 of 1515)
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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