Oak Ridge Financial Services (OTCMKTS:BKOR) & Thomasville Bancshares (OTCMKTS:THVB) Critical Contrast

Risk and Volatility

Thomasville Bancshares has a beta of 0.2, suggesting that its stock price is 80% less volatile than the S&P 500. Comparatively, Oak Ridge Financial Services has a beta of 0.09, suggesting that its stock price is 91% less volatile than the S&P 500.

Institutional and Insider Ownership

4.2% of Oak Ridge Financial Services shares are held by institutional investors. 25.6% of Oak Ridge Financial Services shares are held 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.

Profitability

This table compares Thomasville Bancshares and Oak Ridge Financial Services’ 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
Oak Ridge Financial Services	18.10%	N/A	N/A

Dividends

Thomasville Bancshares pays an annual dividend of $2.90 per share and has a dividend yield of 3.1%. Oak Ridge Financial Services pays an annual dividend of $0.56 per share and has a dividend yield of 1.9%. Thomasville Bancshares pays out 42.3% of its earnings in the form of a dividend. Oak Ridge Financial Services pays out 19.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Valuation & Earnings

This table compares Thomasville Bancshares and Oak Ridge Financial Services”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Thomasville Bancshares	$137.59 million	4.29	$44.71 million	$6.85	13.58
Oak Ridge Financial Services	$44.28 million	1.81	$8.01 million	$2.92	10.02

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

Summary

Thomasville Bancshares beats Oak Ridge Financial Services on 7 of the 11 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 Oak Ridge Financial Services

Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses. It offers checking, savings, and money market accounts; overdrafts; auto, home equity, mortgage, business term, and business SBA loans; business lines of credit; credit cards; and online and mobile banking products and services. The company also provides health savings accounts, identity theft protection, wealth management, cash management, and remote deposit capture services; and auto, home, small business, renters, life, boat and watercraft, classic car, motorcycle, flood, pet, and umbrella insurance products. It operates through a network of branches in Oak Ridge, Greensboro, and Summerfield, North Carolina. The company was founded in 2000 and is based in Oak Ridge, North Carolina.