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Financial Services - Banks - Regional - OTC - US
$ 15.88
2.58 %
$ 66.4 M
Market Cap
258.33
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one TCBC stock under the worst case scenario is HIDDEN Compared to the current market price of 15.9 USD, TC Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one TCBC stock under the base case scenario is HIDDEN Compared to the current market price of 15.9 USD, TC Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one TCBC stock under the best case scenario is HIDDEN Compared to the current market price of 15.9 USD, TC Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart TCBC

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$17.5$17.5$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
15.1 M REVENUE
2633.99%
412 K OPERATING INCOME
-86.89%
266 K NET INCOME
-84.90%
4.03 M OPERATING CASH FLOW
-8.73%
-37.5 M INVESTING CASH FLOW
46.12%
33 M FINANCING CASH FLOW
-32.51%
3.6 M REVENUE
-38.33%
0 OPERATING INCOME
100.00%
22.2 K NET INCOME
118.79%
1.37 M OPERATING CASH FLOW
143.45%
-10.8 M INVESTING CASH FLOW
40.95%
8.23 M FINANCING CASH FLOW
-67.80%
Balance Sheet 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 44.6 M
PP&E 6.73 M
Other Non-Current Assets 390 M
5.37 %9.56 %83.63 %Total Assets$466.6m
Current Liabilities 195 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 195 M
Non-Current Liabilities 192 M
Long-Term Debt 13.1 M
Other Non-Current Liabilities 179 M
50.43 %3.39 %46.18 %Total Liabilities$387.0m
EFFICIENCY
Earnings Waterfall TC Bancshares, Inc.
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Revenue 15.1 M
Cost Of Revenue 0
Gross Profit 15.1 M
Operating Expenses 14.5 M
Operating Income 412 K
Other Expenses 146 K
Net Income 266 K
16m16m14m14m12m12m10m10m8m8m6m6m4m4m2m2m0015m015m(15m)412k(146k)266kRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
2.73% OPERATING MARGIN
2.73%
1.76% NET MARGIN
1.76%
0.33% ROE
0.33%
0.06% ROA
0.06%
0.11% ROIC
0.11%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis TC Bancshares, Inc.
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5m5m4m4m3m3m2m2m1m1m00(1m)(1m)(2m)(2m)20202020Jul '20Jul '2020212021Jul '21Jul '2120222022Jul '22Jul '2220232023Jul '23Jul '2320242024
Net Income 266 K
Depreciation & Amortization 686 K
Capital Expenditures -2.13 M
Stock-Based Compensation 981 K
Change in Working Capital 125 K
Others 1.99 M
Free Cash Flow 1.91 M
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
Q1
Q2
Q3
Q4
0.250.250.200.200.150.150.100.100.050.050.000.000.050.050.050.050.050.050.050.200.100.050.0020222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership TC Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
31 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
23.5 K USD 1
9-12 MONTHS
7. News
TC Bancshares, Inc. Announces Adoption of Repurchase Plan THOMASVILLE, GA / ACCESS Newswire / February 12, 2025 / TC Bancshares, Inc. (the "Company") (OTCQX:TCBC), the holding company for TC Federal Bank (the "Bank"), announced it has adopted a program to repurchase up to 200,000 shares of its common stock, or approximately 5.0% of its outstanding shares. This is the Company's fourth stock repurchase authorization since completing its reorganization and related stock offering in July 2021. accessnewswire.com - 4 months ago
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 $ 66.4 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 Mr. Michael S. Penney Executive Vice President & Chief Credit Officer Ms. Sara Aldridge Senior Vice President & Mortgage Division Manager Mr. Jeff Weeks Senior Vice President & Jacksonville Market President 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. Laquan Brunner Senior Vice President & Chief Information Officer Mr. Gregory H. Eiford President, Chief Executive Officer & Director Ms. Jo-Ann L. Copeland Senior Vice President & Chief Compliance Office Ms. Jami Porter Senior Vice President, Head of HR & Marketing Ms. Linda Bergman Senior Vice President & Head of Retail