THVB (Thomasville Bancshares) Scaled Net Operating Assets: -0.02 (As of Dec. 2025)

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THVB Thomasville Bancshares Inc THVB
84 GF Score
Price $105.00
GF Value $99.00
Valuation Fairly Valued
! 4 Warning Signs
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What is Thomasville Bancshares Scaled Net Operating Assets?

Thomasville Bancshares THVB 84 Scaled Net Operating Assets is -0.02 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Thomasville Bancshares's operating assets for the quarter that ended in Dec. 2025 was $1,854.5 Mil. Thomasville Bancshares's operating liabilities for the quarter that ended in Dec. 2025 was $1,883.7 Mil. Thomasville Bancshares's Total Assets for the quarter that ended in Dec. 2024 was $1,890.9 Mil. Therefore, Thomasville Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.02.

THVB
84GF Score
Thomasville Bancshares Inc THVB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Thomasville Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Thomasville Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1854.479-1883.7)/1890.934
=-0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2087.078 - 232.599
=1854.479

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1883.7 - 0 - 0
=1883.7

Thomasville Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(1854.479-1883.7)/1890.934
=-0.02

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2087.078 - 232.599
=1854.479

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1883.7 - 0 - 0
=1883.7

* 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.

What does a Scaled Net Operating Assets of -0.02 mean?
Thomasville Bancshares (THVB) has a Scaled Net Operating Assets of -0.02 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Thomasville Bancshares and its competitors.
Is Thomasville Bancshares' Scaled Net Operating Assets too high?
Thomasville Bancshares' current Scaled Net Operating Assets is -0.02. 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' Scaled Net Operating Assets compare to MSBI and ALPIB?
Thomasville Bancshares' Scaled Net Operating Assets of -0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Thomasville Bancshares and its competitors. Thomasville Bancshares's current Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Thomasville Bancshares (THVB), the current Scaled Net Operating Assets is -0.02 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:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: $99.00 vs. price of $105.00 (6.1% above fair value)
  • GF Score™: 84/100 with 4 warning signs

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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$105.00
Price
$99.00
GF Value