Financial Contrast: Cadence Bank (NYSE:CADE) versus Thomasville Bancshares (OTCMKTS:THVB)

Cadence Bank (NYSE:CADE) and Thomasville Bancshares (OTCMKTS:THVB) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, profitability, valuation, analyst recommendations, dividends and institutional ownership.

Profitability

This table compares Cadence Bank and Thomasville Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cadence Bank	18.15%	9.97%	1.13%
Thomasville Bancshares	N/A	N/A	N/A

Risk & Volatility

Cadence Bank has a beta of 0.95, suggesting that its share price is 5% less volatile than the S&P 500. Comparatively, Thomasville Bancshares has a beta of 0.19, suggesting that its share price is 81% less volatile than the S&P 500.

Earnings & Valuation

This table compares Cadence Bank and Thomasville Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cadence Bank	$2.90 billion	2.74	$523.60 million	$2.76	15.82
Thomasville Bancshares	$137.59 million	4.27	$39.27 million	N/A	N/A

Cadence Bank has higher revenue and earnings than Thomasville Bancshares.

Analyst Ratings

This is a summary of current recommendations for Cadence Bank and Thomasville Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cadence Bank	0	9	2	0	2.18
Thomasville Bancshares	0	0	0	0	0.00

Cadence Bank presently has a consensus target price of $42.33, suggesting a potential downside of 3.04%. Given Cadence Bank’s stronger consensus rating and higher possible upside, analysts plainly believe Cadence Bank is more favorable than Thomasville Bancshares.

Insider and Institutional Ownership

84.6% of Cadence Bank shares are held by institutional investors. 2.6% of Cadence Bank shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Dividends

Cadence Bank pays an annual dividend of $1.10 per share and has a dividend yield of 2.5%. Thomasville Bancshares pays an annual dividend of $2.90 per share and has a dividend yield of 3.1%. Cadence Bank pays out 39.9% of its earnings in the form of a dividend. Cadence Bank has raised its dividend for 14 consecutive years.

Summary

Cadence Bank beats Thomasville Bancshares on 12 of the 15 factors compared between the two stocks.

About Cadence Bank

Cadence Bank provides commercial banking and financial services. Its products and services include consumer banking, consumer loans, mortgages, home equity lines and loans, credit cards, commercial and business banking, treasury management, specialized and asset-based lending, commercial real estate, equipment financing, and correspondent banking services. The company’s products and services also comprise small business administration lending, foreign exchange, wealth management, investment and trust, financial planning, retirement plan management, and personal and business insurance services. Cadence Bank was founded in 1876 and is headquartered in Tupelo, Mississippi.

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.