Reviewing Thomasville Bancshares (OTCMKTS:THVB) and NBT Bancorp (NASDAQ:NBTB)

NBT Bancorp (NASDAQ:NBTBGet Free Report) and Thomasville Bancshares (OTCMKTS:THVBGet Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, dividends, valuation and analyst recommendations.

Dividends

NBT Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 3.5%. Thomasville Bancshares pays an annual dividend of $2.10 per share and has a dividend yield of 3.3%. NBT Bancorp pays out 49.4% of its earnings in the form of a dividend. NBT Bancorp has increased its dividend for 3 consecutive years. NBT Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Institutional & Insider Ownership

58.5% of NBT Bancorp shares are owned by institutional investors. 3.3% of NBT Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares NBT Bancorp and Thomasville Bancshares’ top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
NBT Bancorp $532.73 million 3.27 $118.78 million $2.59 14.24
Thomasville Bancshares N/A N/A N/A N/A N/A

NBT Bancorp has higher revenue and earnings than Thomasville Bancshares.

Profitability

This table compares NBT Bancorp and Thomasville Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
NBT Bancorp 16.71% 10.20% 1.06%
Thomasville Bancshares N/A N/A N/A

Risk and Volatility

NBT Bancorp has a beta of 0.52, suggesting that its share price is 48% less volatile than the S&P 500. Comparatively, Thomasville Bancshares has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings for NBT Bancorp and Thomasville Bancshares, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
NBT Bancorp 0 1 4 0 2.80
Thomasville Bancshares 0 0 0 0 N/A

NBT Bancorp presently has a consensus price target of $41.20, indicating a potential upside of 11.68%. Given NBT Bancorp’s higher probable upside, research analysts plainly believe NBT Bancorp is more favorable than Thomasville Bancshares.

Summary

NBT Bancorp beats Thomasville Bancshares on 11 of the 12 factors compared between the two stocks.

About NBT Bancorp

(Get Free Report)

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

About Thomasville Bancshares

(Get Free Report)

Thomasville Bancshares, Inc. operates as a bank holding company for Thomasville National Bank that offers various banking products and services. It offers checking and savings account; and loan products comprising mortgages, and consumer and commercial loans, as well as wealth management and mobile banking services. The company was incorporated in 1995 and is based in Thomasville, Georgia.

Receive News & Ratings for NBT Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for NBT Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.