Financial Survey: TC Bancshares (NASDAQ:TCBC) and Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL)

Home Federal Bancorp, Inc. of Louisiana (NASDAQ:HFBL – Get Rating) and TC Bancshares (NASDAQ:TCBC – Get Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, risk, valuation, profitability and earnings.

Profitability

This table compares Home Federal Bancorp, Inc. of Louisiana and TC Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Home Federal Bancorp, Inc. of Louisiana	21.09%	11.12%	0.91%
TC Bancshares	7.48%	1.64%	0.33%

Risk and Volatility

Home Federal Bancorp, Inc. of Louisiana has a beta of 0.47, suggesting that its share price is 53% less volatile than the S&P 500. Comparatively, TC Bancshares has a beta of 0.01, suggesting that its share price is 99% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Home Federal Bancorp, Inc. of Louisiana and TC Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Home Federal Bancorp, Inc. of Louisiana	0	0	0	0	N/A
TC Bancshares	0	0	0	0	N/A

Dividends

Home Federal Bancorp, Inc. of Louisiana pays an annual dividend of $0.48 per share and has a dividend yield of 3.0%. TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.7%. Home Federal Bancorp, Inc. of Louisiana pays out 27.9% of its earnings in the form of a dividend. Home Federal Bancorp, Inc. of Louisiana has raised its dividend for 9 consecutive years. Home Federal Bancorp, Inc. of Louisiana is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider & Institutional Ownership

6.8% of Home Federal Bancorp, Inc. of Louisiana shares are owned by institutional investors. Comparatively, 15.9% of TC Bancshares shares are owned by institutional investors. 22.8% of Home Federal Bancorp, Inc. of Louisiana shares are owned by company insiders. Comparatively, 6.9% of TC Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Home Federal Bancorp, Inc. of Louisiana and TC Bancshares’ revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Home Federal Bancorp, Inc. of Louisiana	$22.71 million	2.23	$4.87 million	$1.72	9.45
TC Bancshares	$17.36 million	3.92	$1.76 million	N/A	N/A

Home Federal Bancorp, Inc. of Louisiana has higher revenue and earnings than TC Bancshares.

Summary

Home Federal Bancorp, Inc. of Louisiana beats TC Bancshares on 9 of the 12 factors compared between the two stocks.

About Home Federal Bancorp, Inc. of Louisiana

(Get Rating)

Home Federal Bancorp, Inc. of Louisiana is a holding company, which provides financial services to individuals, corporate entities, and other organizations. It provides services through the origination of loans and the acceptance of deposits in the form of passbook savings, certificates of deposit, and demand deposit accounts. The company was founded on April 1, 1924 and is headquartered in Shreveport, LA.

About TC Bancshares

(Get Rating)

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.