Analyzing Thomasville Bancshares (OTCMKTS:THVB) and Fifth District Bancorp (NASDAQ:FDSB)

Thomasville Bancshares (OTCMKTS:THVB) and Fifth District Bancorp (NASDAQ:FDSB) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, earnings, dividends, institutional ownership, profitability, analyst recommendations and risk.

Earnings & Valuation

This table compares Thomasville Bancshares and Fifth District Bancorp”s revenue, earnings per share 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
Fifth District Bancorp	$26.49 million	3.03	$4.09 million	$0.81	18.72

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

Profitability

This table compares Thomasville Bancshares and Fifth District Bancorp’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
Fifth District Bancorp	15.43%	3.15%	0.76%

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Thomasville Bancshares and Fifth District Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Thomasville Bancshares	0	0	0	0	0.00
Fifth District Bancorp	1	0	0	0	1.00

Risk & Volatility

Thomasville Bancshares has a beta of 0.22, meaning that its share price is 78% less volatile than the S&P 500. Comparatively, Fifth District Bancorp has a beta of 0.32, meaning that its share price is 68% less volatile than the S&P 500.

Summary

Fifth District Bancorp beats Thomasville Bancshares on 6 of the 10 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 Fifth District Bancorp

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.