Reviewing UMB Financial (NASDAQ:UMBF) & Thomasville Bancshares (OTCMKTS:THVB)

UMB Financial (NASDAQ:UMBFGet Rating) and Thomasville Bancshares (OTCMKTS:THVBGet Rating) are both 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, risk, profitability, valuation and earnings.

Analyst Ratings

This is a summary of recent recommendations and price targets for UMB Financial and Thomasville Bancshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
UMB Financial 0 1 2 0 2.67
Thomasville Bancshares 0 0 0 0 N/A

UMB Financial presently has a consensus target price of $111.67, suggesting a potential upside of 28.16%. Given UMB Financial’s higher probable upside, equities analysts clearly believe UMB Financial is more favorable than Thomasville Bancshares.

Valuation and Earnings

This table compares UMB Financial 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
UMB Financial $1.34 billion 3.15 $353.02 million $7.51 11.60
Thomasville Bancshares N/A N/A N/A N/A N/A

UMB Financial has higher revenue and earnings than Thomasville Bancshares.

Insider & Institutional Ownership

87.3% of UMB Financial shares are held by institutional investors. Comparatively, 0.2% of Thomasville Bancshares shares are held by institutional investors. 9.8% of UMB Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Risk & Volatility

UMB Financial has a beta of 0.93, suggesting that its share price is 7% less volatile than the S&P 500. Comparatively, Thomasville Bancshares has a beta of 0.12, suggesting that its share price is 88% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
UMB Financial 26.95% 12.16% 0.93%
Thomasville Bancshares N/A N/A N/A

Dividends

UMB Financial pays an annual dividend of $1.48 per share and has a dividend yield of 1.7%. Thomasville Bancshares pays an annual dividend of $1.70 per share and has a dividend yield of 2.6%. UMB Financial pays out 19.7% of its earnings in the form of a dividend. UMB Financial has increased its dividend for 18 consecutive years.

Summary

UMB Financial beats Thomasville Bancshares on 10 of the 12 factors compared between the two stocks.

UMB Financial Company Profile (Get Rating)

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Thomasville Bancshares Company Profile (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.

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