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TC Bancshares, Inc. TCBC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 17.3
2.37 %
$ 72.4 M
Market Cap
288.33
P/E
1. INTRINSIC VALUE

TC Bancshares, Inc. operates as the holding company for TC Federal Bank that provides various banking services for individual and commercial customers in the United States. It accepts various deposit products, including personal checking accounts, business checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also offers lending products comprising single-family residential loans, home equity lines of credit, closed-end home equity loans, consumer loans, commercial and multi-family residential real estate loans, commercial and industrial loans, construction loans, land development loans, and SBA/USDA guaranteed loans. It operates one branch in Thomasville, Georgia, and one in Tallahassee, Florida, as well as loan production offices in Tallahassee, Florida and Savannah, Georgia.[ Read More ]

The intrinsic value of one TCBC stock under the base case scenario is HIDDEN Compared to the current market price of 17.3 USD, TC Bancshares, Inc. is HIDDEN

TCBC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart TCBC

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FINANCIALS
14.9 M REVENUE
2604.43%
Growth Rates
1Year 2604.43%
3Years 5.33%
5Years 0.00%
7Years 0.00%
10Years 0.00%
412 K OPERATING INCOME
-86.89%
Growth Rates
1Year -86.89%
3Years 5.84%
5Years 0.00%
7Years 0.00%
10Years 0.00%
266 K NET INCOME
-84.90%
Growth Rates
1Year -84.90%
3Years -4.75%
5Years 0.00%
7Years 0.00%
10Years 0.00%
1.99 M OPERATING CASH FLOW
-54.94%
Growth Rates
1Year -54.94%
3Years 71.84%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-37.5 M INVESTING CASH FLOW
46.12%
Growth Rates
1Year 46.12%
3Years -61.81%
5Years 0.00%
7Years 0.00%
10Years 0.00%
33 M FINANCING CASH FLOW
-32.51%
Growth Rates
1Year -32.51%
3Years 6.64%
5Years 0.00%
7Years 0.00%
10Years 0.00%
3.63 M REVENUE
-37.82%
Growth Rates
1Year 2604.43%
3Years 5.33%
5Years 0.00%
7Years 0.00%
10Years 0.00%
0 OPERATING INCOME
100.00%
Growth Rates
1Year -86.89%
3Years 5.84%
5Years 0.00%
7Years 0.00%
10Years 0.00%
22.2 K NET INCOME
118.79%
Growth Rates
1Year -84.90%
3Years -4.75%
5Years 0.00%
7Years 0.00%
10Years 0.00%
1.46 M OPERATING CASH FLOW
159.41%
Growth Rates
1Year -54.94%
3Years 71.84%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-10.9 M INVESTING CASH FLOW
40.46%
Growth Rates
1Year 46.12%
3Years -61.81%
5Years 0.00%
7Years 0.00%
10Years 0.00%
8.23 M FINANCING CASH FLOW
-67.80%
Growth Rates
1Year -32.51%
3Years 6.64%
5Years 0.00%
7Years 0.00%
10Years 0.00%
Balance Sheet Decomposition TC Bancshares, Inc.
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Current Assets 25 M
Cash & Short-Term Investments 25 M
Receivables 0
Other Current Assets 0
Non-Current Assets 442 M
Long-Term Investments 1.92 M
PP&E 6.73 M
Other Non-Current Assets 433 M
Current Liabilities 195 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 195 M
Non-Current Liabilities 384 M
Long-Term Debt 13.1 M
Other Non-Current Liabilities 371 M
EFFICIENCY
Earnings Waterfall TC Bancshares, Inc.
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Revenue 14.9 M
Cost Of Revenue 0
Gross Profit 14.9 M
Operating Expenses 15.1 M
Operating Income 412 K
Other Expenses 146 K
Net Income 266 K
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 0.00%
10Years 0.00%
2.76% OPERATING MARGIN
2.76%
Averages
1Year 2.76%
3Years 198.37%
5Years 122.50%
7Years 0.00%
10Years 0.00%
1.78% NET MARGIN
1.78%
Averages
1Year 1.78%
3Years 112.78%
5Years 70.40%
7Years 0.00%
10Years 0.00%
0.33% ROE
0.33%
Averages
1Year 0.33%
3Years 1.81%
5Years 1.85%
7Years 0.00%
10Years 0.00%
0.06% ROA
0.06%
Averages
1Year 0.06%
3Years 0.39%
5Years 0.32%
7Years 0.00%
10Years 0.00%
0.00% ROIC
0.00%
Averages
1Year 0.00%
3Years 1.80%
5Years 1.77%
7Years 0.00%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis TC Bancshares, Inc.
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Net Income 266 K
Depreciation & Amortization 468 K
Capital Expenditures -2.13 M
Stock-Based Compensation 981 K
Change in Working Capital 125 K
Others 2.2 M
Free Cash Flow -134 K
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets TC Bancshares, Inc.
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TCBC has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.37% DIVIDEND YIELD
0.05 USD DIVIDEND PER SHARE
5. COMPETITION

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit accounts.

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8.08 USD
CULL
Overvalued 16.77%

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations.

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9.74 USD
HFBL
Overvalued 20.62%

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services.

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19 USD
LSBK
Undervalued 40.60%

Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California.

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26.3 USD
CWBC
Undervalued 28.52%

First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington.

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0.673 USD
FFNW
Overvalued 96.96%

First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals.

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21.2 USD
FCCO
Overvalued 12.55%

First Northwest Bancorp operates as a bank holding company for First Fed Bank that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States.

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5.63 USD
FNWB
Overvalued 47.83%

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia.

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42.2 USD
OFED
Undervalued 212.50%

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States.

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7.59 USD
MGYR
Overvalued 41.05%
6. Ownership
Insider Ownership TC Bancshares, Inc.
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Sold
0-3 MONTHS
31 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
23.5 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
111 K USD 4
9-12 MONTHS
Date Value Insider Amount Avg Price
2 months ago
Aug 29, 2024
Bought 22.7 K USD
McLean Scott Charles
EVP-CHIEF FINANCIAL OFFICER
+ 1453
 15.65 USD
2 months ago
Aug 28, 2024
Bought 736 USD
McLean Scott Charles
EVP-CHIEF FINANCIAL OFFICER
+ 47
 15.65 USD
2 months ago
Aug 22, 2024
Sell 31 K USD
Brown George Matthew
Director
- 2000
 15.51 USD
11 months ago
Nov 27, 2023
Bought 65 K USD
Bryant Joshua Travis
Director
+ 5000
 13 USD
11 months ago
Nov 24, 2023
Bought 26 K USD
TILLMAN STEPHANIE B
Director
+ 2000
 13 USD
11 months ago
Nov 21, 2023
Bought 13 K USD
DeSantis Peter
Director
+ 1000
 13 USD
1 year ago
Nov 16, 2023
Bought 6.62 K USD
McLean Scott Charles
EVP-CHIEF FINANCIAL OFFICER
+ 519
 12.75 USD
1 year ago
Jun 06, 2023
Bought 29.9 K USD
Johnson Jefferson
Director
+ 2100
 14.25 USD
1 year ago
Jun 05, 2023
Bought 34.4 K USD
Bryant Joshua Travis
Director
+ 2394
 14.35 USD
1 year ago
Jun 05, 2023
Bought 37.6 K USD
Bryant Joshua Travis
Director
+ 2606
 14.44 USD
1 year ago
Jun 05, 2023
Bought 50 K USD
Rumble Fortson
Director
+ 3463
 14.4255 USD
1 year ago
Jun 02, 2023
Bought 50.1 K USD
Dixon Charles
Director
+ 3590
 13.95 USD
1 year ago
Jun 01, 2023
Bought 540 USD
Bryant Joshua Travis
Director
+ 40
 13.5 USD
2 years ago
Mar 02, 2022
Bought 20.6 K USD
DeSantis Peter
Director
+ 1500
 13.7 USD
2 years ago
Mar 01, 2022
Bought 6.85 K USD
DeSantis Peter
Director
+ 500
 13.7 USD
2 years ago
Mar 01, 2022
Bought 6.9 K USD
DeSantis Peter
Director
+ 500
 13.8 USD
2 years ago
Mar 01, 2022
Bought 22 K USD
Brown George Matthew
Director
+ 1598
 13.75 USD
7. News
TC Bancshares: A New Small-Cap Bank With Strong Exposure To Residential Real Estate TC Bancshares is the holding company of TC Federal Bank, a very small bank with a limited footprint. The size of the balance sheet is just around $400M, so it's a tiny bank. seekingalpha.com - 3 years ago
8. Profile Summary

TC Bancshares, Inc. TCBC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 72.4 M
Dividend Yield 0.37%
Description TC Bancshares, Inc. operates as the holding company for TC Federal Bank that provides various banking services for individual and commercial customers in the United States. It accepts various deposit products, including personal checking accounts, business checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also offers lending products comprising single-family residential loans, home equity lines of credit, closed-end home equity loans, consumer loans, commercial and multi-family residential real estate loans, commercial and industrial loans, construction loans, land development loans, and SBA/USDA guaranteed loans. It operates one branch in Thomasville, Georgia, and one in Tallahassee, Florida, as well as loan production offices in Tallahassee, Florida and Savannah, Georgia. The company was founded in 1934 and is based in Thomasville, Georgia.
Contact 131 South Dawson Street, Thomasville, GA, 31792 https://www.tcfederal.com
IPO Date July 21, 2021
Employees 65
Officers Ms. Jami Porter Senior Vice President, Head of HR & Marketing Ms. Linda Bergman Senior Vice President & Head of Retail Jeff Weeks Senior Vice President & Jacksonville Market President Mr. Gregory H. Eiford President, Chief Executive Officer & Director Ms. Laquan Brunner Senior Vice President & Chief Information Officer Ms. Jo-Ann L. Copeland Senior Vice President & Chief Compliance Office Mr. Michael S. Penney Executive Vice President & Chief Credit Officer Mr. Nathan L. Higdon Executive Vice President, Senior Lending Officer & Tallahassee Market President Mr. Scott C. McLean Executive Vice President, Chief Financial Officer & Assistant Secretary Ms. Sara Aldridge Senior Vice President & Mortgage Division Manager