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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Thomasville Bancshares's 5-Year RORE % for the quarter that ended in Dec. 2025 was 22.07%.
The industry rank for Thomasville Bancshares's 5-Year RORE % or its related term are showing as below:
THVB's 5-Year RORE % is ranked better than 77.64% of 1409
companies
in the Banks industry
Industry Median: 9.93
vs THVB: 22.07
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Thomasville Bancshares 5-Year RORE % Related Terms
Thomasville Bancshares 5-Year RORE % Historical Data
* 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: 5-Year RORE % Comparison
For the Banks - Regional subindustry, Thomasville Bancshares's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Thomasville Bancshares's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Thomasville Bancshares's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
Thomasville Bancshares (THVB) has a 5-Year RORE % of 22.07 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Thomasville Bancshares and its competitors. According to the industry distribution chart, Thomasville Bancshares ranks #315 out of 1409 companies in the Banks industry, placing it in the top 22.4%.
Is Thomasville Bancshares' 5-Year RORE % too high?
Thomasville Bancshares' current 5-Year RORE % is 22.07. The Banks industry median 5-Year RORE % is 9.93. Thomasville Bancshares' value of 22.07 is 122.3% above this industry median. Based on the distribution chart, Thomasville Bancshares ranks #315 out of 1409 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' 5-Year RORE % compare to MSBI and ALPIB?
According to the Banks industry distribution chart, Thomasville Bancshares ranks #315 out of 1409 companies for 5-Year RORE %. This places Thomasville Bancshares in the top 22% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 9.93. Thomasville Bancshares' value of 22.07 is 122.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.93, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Thomasville Bancshares's current 5-Year RORE % of 22.07 is 122.3% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Thomasville Bancshares and its competitors. For the Banks industry, the median 5-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thomasville Bancshares's current 5-Year RORE % is 22.07. 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 5-Year RORE % is 22.07 and 122.3% above the Banks industry median of 9.93. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current 5-Year RORE % is 22.07 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:
5-Year RORE %: 22.07
GF Value™: $99.00 vs. price of $105.00 (6.1% above fair value)
Industry Position: 122.3% above the Banks median (#315 of 1409)
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
5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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