Thomasville Bancshares (OTCMKTS:THVB) versus Commonwealth Business Bank (OTCMKTS:CBBI) Financial Survey

Profitability

This table compares Thomasville Bancshares and Commonwealth Business Bank’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
Commonwealth Business Bank	15.52%	N/A	N/A

Dividends

Thomasville Bancshares pays an annual dividend of $2.90 per share and has a dividend yield of 2.9%. Commonwealth Business Bank pays an annual dividend of $0.50 per share and has a dividend yield of 4.5%. Thomasville Bancshares pays out 41.1% of its earnings in the form of a dividend. Commonwealth Business Bank pays out 29.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Commonwealth Business Bank is clearly the better dividend stock, given its higher yield and lower payout ratio.

Valuation & Earnings

This table compares Thomasville Bancshares and Commonwealth Business Bank”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	$137.59 million	4.61	$44.71 million	$7.05	14.18
Commonwealth Business Bank	$120.93 million	0.97	$22.43 million	$1.68	6.58

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

Risk & Volatility

Thomasville Bancshares has a beta of 0.19, meaning that its stock price is 81% less volatile than the S&P 500. Comparatively, Commonwealth Business Bank has a beta of 0.15, meaning that its stock price is 85% less volatile than the S&P 500.

Summary

Thomasville Bancshares beats Commonwealth Business Bank on 6 of the 9 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 Commonwealth Business Bank

CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking products and services to individuals and businesses in the United States. It offers checking, savings, money market, and certification of deposit accounts; SBA lending; business lines of credit; business term loans; business and commercial property loans; construction loans; and credit cards. The company also provides treasury management, and mobile and online banking services, as well as title and escrow services. In addition, it engages in investing activities; and offers trade finance services, including commercial letters of credit, standby letters of credit, and documentary collection services. The company offers its services through full-service and limited-service branches in Southern California, Dallas, Texas and Honolulu, and Hawaii; and loan production offices in the states of Colorado, Georgia, Texas, and Washington. CBB Bancorp, Inc. was founded in 2005 and is headquartered in Los Angeles, California.