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Thomasville BancsharesTHVB 84 Return-on-Tangible-Equity is 24.16% as of Dec. 2025, which is 8% above its 10-year median of 22.35. 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 1,522 Banks companies, Thomasville Bancshares ranks better than 94.02% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Thomasville Bancshares's annualized net income for the quarter that ended in Dec. 2025 was $44.8 Mil. Thomasville Bancshares's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $185.2 Mil. Therefore, Thomasville Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 24.16%.
The historical rank and industry rank for Thomasville Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
THVB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 18.59 Med: 22.35 Max: 24.65
Current: 24.16
During the past 13 years, Thomasville Bancshares's highest Return-on-Tangible-Equity was 24.65%. The lowest was 18.59%. And the median was 22.35%.
THVB's Return-on-Tangible-Equity is ranked better than 94.02% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs THVB: 24.16
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Thomasville Bancshares Return-on-Tangible-Equity Related Terms
Thomasville Bancshares Return-on-Tangible-Equity Historical Data
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The historical data trend for Thomasville Bancshares's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Thomasville Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 24.16% mean?
Thomasville Bancshares (THVB) has a Return-on-Tangible-Equity of 24.16% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Thomasville Bancshares and its competitors. This is near median its historical median of 22.35. Over the past decade, Thomasville Bancshares' Return-on-Tangible-Equity has ranged from 18.59 to 24.65. According to the industry distribution chart, Thomasville Bancshares ranks #91 out of 1522 companies in the Banks industry, placing it in the top 6%.
Is Thomasville Bancshares' Return-on-Tangible-Equity too high?
Thomasville Bancshares' current Return-on-Tangible-Equity of 24.16% is near median its 10-year median of 22.35. Over the past 10 years, this metric has ranged from a low of 18.59 to a high of 24.65. The Banks industry median Return-on-Tangible-Equity is 11.38. Thomasville Bancshares' value of 24.16% is 112.4% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #91 out of 1522 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' Return-on-Tangible-Equity compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #91 out of 1522 companies for Return-on-Tangible-Equity. This places Thomasville Bancshares in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.38. Thomasville Bancshares' value of 24.16% is 112.4% above this benchmark. Historically, Thomasville Bancshares' own Return-on-Tangible-Equity has ranged from 18.59 to 24.65 over the past decade. While the company's 10-year median is 22.35 vs. the industry median of 11.38, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current Return-on-Tangible-Equity of 24.16% is 112.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current Return-on-Tangible-Equity is 24.16%, which is near median its own 10-year median of 22.35. 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 Return-on-Tangible-Equity is 24.16%, which is near median its 10-year median of 22.35 and 112.4% above the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Return-on-Tangible-Equity is 24.16% 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:
Return-on-Tangible-Equity: 24.16% (near median its 10-year median of 22.35)
GF Value™: $99.00 vs. price of $105.00 (6.1% above fair value)
Industry Position: 112.4% above the Banks median (#91 of 1522)
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
Get the complete analysis for THVB
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