Critical Survey: Thomasville Bancshares (OTCMKTS:THVB) and Camden National (NASDAQ:CAC)

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

Dividends

Thomasville Bancshares pays an annual dividend of $2.50 per share and has a dividend yield of 3.4%. Camden National pays an annual dividend of $1.68 per share and has a dividend yield of 4.5%. Camden National pays out 46.4% of its earnings in the form of a dividend.

Valuation & Earnings

This table compares Thomasville Bancshares and Camden National”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	$109.70 million	4.26	$33.55 million	N/A	N/A
Camden National	$172.62 million	3.69	$53.00 million	$3.62	10.43

Camden National has higher revenue and earnings than Thomasville Bancshares.

Institutional & Insider Ownership

77.4% of Camden National shares are owned by institutional investors. 1.7% of Camden National shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Volatility and Risk

Thomasville Bancshares has a beta of 0.15, indicating that its share price is 85% less volatile than the S&P 500. Comparatively, Camden National has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Thomasville Bancshares and Camden National, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Thomasville Bancshares	0	0	0	0	0.00
Camden National	0	2	1	0	2.33

Camden National has a consensus price target of $48.33, suggesting a potential upside of 28.07%. Given Camden National’s stronger consensus rating and higher probable upside, analysts clearly believe Camden National is more favorable than Thomasville Bancshares.

Profitability

This table compares Thomasville Bancshares and Camden National’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
Camden National	18.02%	10.38%	0.93%

Summary

Camden National beats Thomasville Bancshares on 12 of the 14 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 Camden National

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in Maine, New Hampshire, and Massachusetts. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. The company also provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.