Critical Analysis: Thomasville Bancshares (OTCMKTS:THVB) vs. Old Point Financial (NASDAQ:OPOF)

Thomasville Bancshares (OTCMKTS:THVBGet Rating) and Old Point Financial (NASDAQ:OPOFGet Rating) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, dividends, profitability and analyst recommendations.

Valuation and Earnings

This table compares Thomasville Bancshares and Old Point Financial’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 N/A N/A N/A N/A N/A
Old Point Financial $57.14 million 2.11 $8.44 million $1.44 16.40

Old Point Financial has higher revenue and earnings than Thomasville Bancshares.

Profitability

This table compares Thomasville Bancshares and Old Point Financial’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
Old Point Financial 13.13% 6.44% 0.57%

Dividends

Thomasville Bancshares pays an annual dividend of $1.70 per share and has a dividend yield of 2.7%. Old Point Financial pays an annual dividend of $0.52 per share and has a dividend yield of 2.2%. Old Point Financial pays out 36.1% of its earnings in the form of a dividend. Old Point Financial has raised its dividend for 1 consecutive years.

Analyst Ratings

This is a summary of current ratings and recommmendations for Thomasville Bancshares and Old Point Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Thomasville Bancshares 0 0 0 0 N/A
Old Point Financial 0 0 0 0 N/A

Volatility and Risk

Thomasville Bancshares has a beta of 0.1, indicating that its stock price is 90% less volatile than the S&P 500. Comparatively, Old Point Financial has a beta of 0.7, indicating that its stock price is 30% less volatile than the S&P 500.

Insider & Institutional Ownership

0.2% of Thomasville Bancshares shares are owned by institutional investors. Comparatively, 32.6% of Old Point Financial shares are owned by institutional investors. 16.2% of Old Point Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Old Point Financial beats Thomasville Bancshares on 8 of the 10 factors compared between the two stocks.

About Thomasville Bancshares

(Get Rating)

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. The company also provides wealth management and mobile banking services. In addition, it offers financial planning, investments, trust, brokerage, and other related financial services. The company was founded in 1995 and is based in Thomasville, Georgia.

About Old Point Financial

(Get Rating)

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.

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