Thomasville Bancshares (OTCMKTS:THVB) versus NBT Bancorp (NASDAQ:NBTB) Head-To-Head Review

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

Dividends

Thomasville Bancshares pays an annual dividend of $2.10 per share and has a dividend yield of 3.3%. NBT Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 3.5%. NBT Bancorp pays out 49.4% of its earnings in the form of a dividend. NBT Bancorp has raised its dividend for 3 consecutive years. NBT Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Institutional and Insider Ownership

58.5% of NBT Bancorp shares are owned by institutional investors. 3.3% of NBT Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Thomasville Bancshares and NBT Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Thomasville Bancshares	0	0	0	0	N/A
NBT Bancorp	0	1	4	0	2.80

NBT Bancorp has a consensus target price of $41.20, suggesting a potential upside of 11.68%. Given NBT Bancorp’s higher possible upside, analysts plainly believe NBT Bancorp is more favorable than Thomasville Bancshares.

Risk & Volatility

Thomasville Bancshares has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500. Comparatively, NBT Bancorp has a beta of 0.52, indicating that its stock price is 48% less volatile than the S&P 500.

Profitability

This table compares Thomasville Bancshares and NBT 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
NBT Bancorp	16.71%	10.20%	1.06%

Earnings & Valuation

This table compares Thomasville Bancshares and NBT Bancorp’s top-line revenue, earnings per share 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
NBT Bancorp	$532.73 million	3.27	$118.78 million	$2.59	14.24

NBT Bancorp has higher revenue and earnings than Thomasville Bancshares.

Summary

NBT Bancorp beats Thomasville Bancshares on 11 of the 12 factors compared between the two stocks.

About Thomasville Bancshares

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, as well as wealth management and mobile banking services. The company was incorporated in 1995 and is based in Thomasville, Georgia.

About NBT Bancorp

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan administration and recordkeeping services. In addition, the company offers insurance products comprising personal property and casualty, business liability, and commercial insurance, as well as other products and services through 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.