Contrasting Thomasville Bancshares (OTCMKTS:THVB) and C&F Financial (NASDAQ:CFFI)

C&F Financial (NASDAQ:CFFI) and Thomasville Bancshares (OTCMKTS:THVB) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, earnings, risk, profitability and valuation.

Risk & Volatility

C&F Financial has a beta of 0.46, meaning that its share price is 54% less volatile than the S&P 500. Comparatively, Thomasville Bancshares has a beta of 0.26, meaning that its share price is 74% less volatile than the S&P 500.

Dividends

C&F Financial pays an annual dividend of $1.84 per share and has a dividend yield of 2.7%. Thomasville Bancshares pays an annual dividend of $2.90 per share and has a dividend yield of 3.3%. C&F Financial pays out 22.8% of its earnings in the form of a dividend. C&F Financial has increased its dividend for 1 consecutive years.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for C&F Financial and Thomasville Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
C&F Financial	0	1	0	0	2.00
Thomasville Bancshares	0	0	0	0	0.00

Earnings and Valuation

This table compares C&F Financial and Thomasville Bancshares”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
C&F Financial	$133.29 million	1.67	$19.83 million	$8.08	8.51
Thomasville Bancshares	$137.59 million	4.05	$39.27 million	N/A	N/A

Thomasville Bancshares has higher revenue and earnings than C&F Financial.

Profitability

This table compares C&F Financial and Thomasville Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
C&F Financial	14.39%	11.16%	1.00%
Thomasville Bancshares	N/A	N/A	N/A

Institutional & Insider Ownership

37.2% of C&F Financial shares are owned by institutional investors. 6.3% of C&F Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

C&F Financial beats Thomasville Bancshares on 8 of the 13 factors compared between the two stocks.

About C&F Financial

C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. It operates through the following segments: Community Banking, Mortgage Banking and Consumer Finance. The Community Banking segment provides checking and savings deposit accounts, business, real estate, development, mortgage, home equity, and installment loans. The Mortgage Banking segment offers ancillary mortgage loan origination services for loan settlement and residential appraisals. The Consumer Finance segment consists of automobile financing through lending programs that are designed to serve customers in the non-prime market who have limited access to traditional automobile financing. The company was founded on March 8, 1994 and is headquartered in Toano, VA.

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.