Analyzing Thomasville Bancshares (OTCMKTS:THVB) & FB Bancorp (NASDAQ:FBLA)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
FB Bancorp	-3.08%	-0.81%	-0.22%
Thomasville Bancshares	N/A	N/A	N/A

Risk & Volatility

FB Bancorp has a beta of 0.11, suggesting that its share price is 89% less volatile than the S&P 500. Comparatively, Thomasville Bancshares has a beta of 0.2, suggesting that its share price is 80% less volatile than the S&P 500.

Earnings and Valuation

This table compares FB Bancorp and Thomasville Bancshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FB Bancorp	$85.90 million	3.20	-$6.21 million	$0.15	92.27
Thomasville Bancshares	$137.59 million	4.55	$44.71 million	$6.85	14.42

Thomasville Bancshares has higher revenue and earnings than FB Bancorp. Thomasville Bancshares is trading at a lower price-to-earnings ratio than FB Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and price targets for FB Bancorp and Thomasville Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FB Bancorp	1	0	0	0	1.00
Thomasville Bancshares	0	0	0	0	0.00

Summary

Thomasville Bancshares beats FB Bancorp on 8 of the 10 factors compared between the two stocks.

About FB Bancorp

FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.

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.