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Thomasville BancsharesTHVB 84 Pretax Margin % is 55.41% as of Dec. 2025, which is 11% above its 10-year median of 49.75. 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 1,526 Banks companies, Thomasville Bancshares ranks better than 88.6% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Thomasville Bancshares Pretax Margin % Related Terms
Thomasville Bancshares Pretax Margin % Historical Data
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The historical data trend for Thomasville Bancshares's Pretax Margin % 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.
THVB vs MSBI, ALPIB, RRBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Thomasville Bancshares's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's Pretax 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 Pretax Margin % of 55.41% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Thomasville Bancshares and its competitors. This is 11% above median its historical median of 49.75. Over the past decade, Thomasville Bancshares' Pretax Margin % has ranged from 45.31 to 56.46. According to the industry distribution chart, Thomasville Bancshares ranks #174 out of 1526 companies in the Banks industry, placing it in the top 11.4%.
Is Thomasville Bancshares' Pretax Margin % too high?
Thomasville Bancshares' current Pretax Margin % of 55.41% is 11% above median its 10-year median of 49.75. Over the past 10 years, this metric has ranged from a low of 45.31 to a high of 56.46. The Banks industry median Pretax Margin % is 35.36. Thomasville Bancshares' value of 55.41% is 56.7% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #174 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position 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' Pretax Margin % compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #174 out of 1526 companies for Pretax Margin %. This places Thomasville Bancshares in the top 11% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 35.36. Thomasville Bancshares' value of 55.41% is 56.7% above this benchmark. Historically, Thomasville Bancshares' own Pretax Margin % has ranged from 45.31 to 56.46 over the past decade. While the company's 10-year median is 49.75 vs. the industry median of 35.36, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.36, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current Pretax Margin % of 55.41% is 56.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current Pretax Margin % is 55.41%, which is 11% above median its own 10-year median of 49.75. 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 Pretax Margin % is 55.41%, which is 11% above median its 10-year median of 49.75 and 56.7% above the Banks industry median of 35.36. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Pretax Margin % is 55.41% 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 6.1% above its estimated GF Value™ of $99.00.
GuruFocus considers Thomasville Bancshares to be Fairly Valued.
Key valuation signals for THVB:
Pretax Margin %: 55.41% (11% above median its 10-year median of 49.75)
GF Value™: $99.00 vs. price of $105.00 (6.1% above fair value)
Industry Position: 56.7% above the Banks median (#174 of 1526)
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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