Reviewing Thomasville Bancshares (OTCMKTS:THVB) & WaFd (NASDAQ:WAFD)

Thomasville Bancshares (OTCMKTS:THVB) and WaFd (NASDAQ:WAFD) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, analyst recommendations, earnings, dividends, profitability, institutional ownership and valuation.

Analyst Ratings

This is a summary of recent recommendations and price targets for Thomasville Bancshares and WaFd, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Thomasville Bancshares	0	0	0	0	0.00
WaFd	0	3	1	0	2.25

WaFd has a consensus price target of $38.00, indicating a potential upside of 6.23%. Given WaFd’s stronger consensus rating and higher possible upside, analysts plainly believe WaFd is more favorable than Thomasville Bancshares.

Valuation and Earnings

This table compares Thomasville Bancshares and WaFd”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Thomasville Bancshares	$109.70 million	4.14	$33.55 million	N/A	N/A
WaFd	$721.83 million	4.03	$200.04 million	$2.48	14.42

WaFd has higher revenue and earnings than Thomasville Bancshares.

Profitability

This table compares Thomasville Bancshares and WaFd’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Thomasville Bancshares	N/A	N/A	N/A
WaFd	13.97%	9.44%	0.87%

Institutional and Insider Ownership

83.7% of WaFd shares are owned by institutional investors. 2.3% of WaFd shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk & Volatility

Thomasville Bancshares has a beta of 0.17, suggesting that its share price is 83% less volatile than the S&P 500. Comparatively, WaFd has a beta of 0.84, suggesting that its share price is 16% less volatile than the S&P 500.

Dividends

Thomasville Bancshares pays an annual dividend of $2.50 per share and has a dividend yield of 3.5%. WaFd pays an annual dividend of $1.04 per share and has a dividend yield of 2.9%. WaFd pays out 41.9% of its earnings in the form of a dividend. WaFd has raised its dividend for 14 consecutive years.

Summary

WaFd beats Thomasville Bancshares on 12 of the 15 factors compared between the two stocks.

About Thomasville Bancshares

Thomasville Bancshares, Inc. operates as the bank holding company for Thomasville National Bank that provides a range of banking services to individual and corporate customers primarily in Thomas and Glynn counties, Georgia, Leon County, Florida, and the surrounding counties. The company offers checking and savings accounts; money market accounts; and certificates of deposits. It also provides commercial real estate mortgage loans, such as non-farm and non-residential commercial real estate loans, construction loans for commercial businesses, multifamily loans secured by income producing properties, and farmland; and 1-4 family residential loans, including first mortgage liens, junior liens, and home equity lines. In addition, the company offers commercial, financial, and agricultural loans; consumer loans comprising direct consumer instalment loans, overdrafts, and other revolving credit loans and educational loans; and loans to municipalities and development authorities. Further, it provides trust and money management services. The company was incorporated in 1995 and is based in Thomasville, Georgia.

About WaFd

WaFd, Inc operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company offers deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It also provides single-family dwellings, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc in September 2023. WaFd, Inc was founded in 1917 and is headquartered in Seattle, Washington.