Stock fact sheet · data as of
Thomasville Bancshares, Inc. (THVB): fair value, margin of safety and Wheel Score
Ticker symbol THVB · Financial Services · Banks - Regional · United States · Growth
Is THVB undervalued?
THVB has a margin of safety of 45%: the stock closed at 104.00 on 5 Nov 2026 against a GLS average fair value of 190.41. 6 of the 9 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 9 models disagree widely: DDM gives 43.41 while GLS Growth gives 325.53. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, THVB is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 49, growth score 80, out of 100).
Nine valuation models for THVB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 291.36 | +180% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 71.77 | -31% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 315.44 | +203% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 131.14 | +26% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 325.53 | +213% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 191.28 | +84% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 264.96 | +155% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 43.41 | -58% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 78.86 | -24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -260.75 | -351% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - THVB passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 9.0 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are high - ROIC 15.9%, ROE 22.0%, ROA 2.1% - with debt at 0.38 times equity and a free-cash-flow yield of 7.0%.
The dividend yield is 2.84% at a payout ratio of 40%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 15.9% |
|---|---|---|---|
| GLS Moat | 9.0 / 10 | ROE | 22.0% |
| Debt / equity | 0.38 | ROA | 2.1% |
| Free-cash-flow yield | 7.0% | Payout ratio | 40% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 37: No options
THVB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (37 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $659M, with a beta of 0.25 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $659M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 45% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 9.0/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.25, $659M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for THVB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Thomasville Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WCCB West Coast Community Bancorp | 63.35 | 121.40 | +48% | 36No options | $667M |
| CARE Carter Bankshares, Inc. | 29.26 | 45.81 | +36% | 49Weak | $646M |
| FBIZ First Business Financial Services, Inc. | 77.31 | 153.53 | +50% | 48Weak | $644M |
| TCBX Third Coast Bancshares, Inc. | 40.49 | 87.54 | +54% | 47Weak | $674M |
| CCB Coastal Financial Corporation | 44.45 | 302.53 | +85% | 49Weak | $680M |
| AMBZ American Business Bank | 71.30 | 116.09 | +39% | 34No options | $632M |
| ACNB ACNB Corporation | 67.51 | 58.80 | -15% | 35Weak | $687M |
| MSBIP Midland States Bancorp, Inc. | 25.04 | 34.91 | +28% | 31No options | $695M |
| MSBI Midland States Bancorp, Inc. | 33.44 | 38.17 | +12% | 41Weak | $696M |
| GCBC Greene County Bancorp, Inc. | 36.59 | 42.53 | +14% | 32No options | $623M |
| DBIN Dacotah Banks, Inc. | 56.00 | 69.02 | +19% | 29No options | $622M |
| HIFS Hingham Institution for Savings | 320.17 | 380.09 | +16% | 28No options | $698M |
⚖ Compare THVB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about THVB
Is THVB undervalued right now?
By the GLS models, yes: at 104.00 the stock is 45% below the average fair value of 190.41 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of THVB and what does it mean?
THVB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for THVB?
190.41 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Thomasville Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for THVB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does THVB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on THVB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.