Analyzing First Us Bancsh (NASDAQ:FUSB) & Thomasville Bancshares (OTCMKTS:THVB)

Thomasville Bancshares (OTCMKTS:THVB) and First Us Bancsh (NASDAQ:FUSB) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, valuation, analyst recommendations, earnings, institutional ownership and profitability.

Dividends

Thomasville Bancshares pays an annual dividend of $2.90 per share and has a dividend yield of 3.1%. First Us Bancsh pays an annual dividend of $0.28 per share and has a dividend yield of 1.8%. Thomasville Bancshares pays out 42.3% of its earnings in the form of a dividend. First Us Bancsh pays out 28.0% 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. First Us Bancsh has raised its dividend for 3 consecutive years.

Profitability

This table compares Thomasville Bancshares and First Us Bancsh’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
First Us Bancsh	9.51%	5.80%	0.52%

Insider and Institutional Ownership

18.7% of First Us Bancsh shares are owned by institutional investors. 11.2% of First Us Bancsh shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and recommmendations for Thomasville Bancshares and First Us Bancsh, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Thomasville Bancshares	0	0	0	0	0.00
First Us Bancsh	0	1	0	0	2.00

Risk and Volatility

Thomasville Bancshares has a beta of 0.19, suggesting that its share price is 81% less volatile than the S&P 500. Comparatively, First Us Bancsh has a beta of 0.26, suggesting that its share price is 74% less volatile than the S&P 500.

Earnings & Valuation

This table compares Thomasville Bancshares and First Us Bancsh”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Thomasville Bancshares	$137.59 million	4.28	$44.71 million	$6.85	13.56
First Us Bancsh	$41.04 million	2.13	$5.99 million	$1.00	15.49

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

Summary

First Us Bancsh beats Thomasville Bancshares on 10 of the 15 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 First Us Bancsh

First US Bancshares, Inc. operates as the bank holding company for First US Bank that provides commercial banking products and services. The company offers non-interest-bearing demand deposits, savings accounts, NOW accounts, money market demand accounts, individual retirement accounts, and time deposits. Its loan products include commercial construction, land, and land development loans, including residential housing projects, commercial and industrial development, and for purchase and improvement of raw land for agricultural production; mortgage loans on one-to-four family and multi-family residential properties; real estate loans secured by commercial and industrial properties, office or mixed-use facilities, strip shopping centers, and other commercial properties; commercial and industrial loans and leases; and secured and unsecured personal loans, including automobile loans, loans for household and personal purposes, and other direct consumer installment loans. The company also provides loans secured by collateral in form of personal property items. In addition, it provides letters of credit; and safe deposit box and remote deposit capture services. The company serves small-and medium-sized businesses, property managers, business executives, professionals, and other individuals. The company was formerly known as United Security Bancshares, Inc. and changed its name to First US Bancshares, Inc. in October 2016. First US Bancshares, Inc. was founded in 1952 and is headquartered in Birmingham, Alabama.