Comparing TC Bancshares (TCBC) and Its Peers

TC Bancshares (NASDAQ:TCBC) is one of 109 publicly-traded companies in the “Federal savings institutions” industry, but how does it compare to its peers? We will compare TC Bancshares to similar businesses based on the strength of its analyst recommendations, valuation, risk, institutional ownership, dividends, earnings and profitability.

Profitability

This table compares TC Bancshares and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TC Bancshares	1.21%	0.32%	0.06%
TC Bancshares Competitors	8.89%	5.87%	0.62%

Dividends

TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.7%. TC Bancshares pays out 166.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Federal savings institutions” companies pay a dividend yield of 3.6% and pay out 41.4% of their earnings in the form of a dividend. TC Bancshares lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Valuation & Earnings

This table compares TC Bancshares and its peers gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
TC Bancshares	$15.07 million	$270,000.00	228.00
TC Bancshares Competitors	$1.92 billion	$351.61 million	14.29

TC Bancshares’ peers have higher revenue and earnings than TC Bancshares. TC Bancshares is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Insider & Institutional Ownership

23.6% of TC Bancshares shares are held by institutional investors. Comparatively, 42.1% of shares of all “Federal savings institutions” companies are held by institutional investors. 6.9% of TC Bancshares shares are held by insiders. Comparatively, 9.7% of shares of all “Federal savings institutions” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of recent recommendations for TC Bancshares and its peers, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TC Bancshares	0	0	0	0	N/A
TC Bancshares Competitors	430	1644	1169	49	2.25

As a group, “Federal savings institutions” companies have a potential upside of 212.53%. Given TC Bancshares’ peers higher probable upside, analysts clearly believe TC Bancshares has less favorable growth aspects than its peers.

Risk & Volatility

TC Bancshares has a beta of 0.05, suggesting that its share price is 95% less volatile than the S&P 500. Comparatively, TC Bancshares’ peers have a beta of 0.27, suggesting that their average share price is 73% less volatile than the S&P 500.

Summary

TC Bancshares peers beat TC Bancshares on 11 of the 12 factors compared.

TC Bancshares Company Profile

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 branches in Thomasville, Georgia and Tallahassee, Florida, as well as loan production offices in Savannah, Georgia, and Jacksonville, Florida. The company was founded in 1934 and is based in Thomasville, Georgia.