TCBC - TC Bancshares, Inc. Stock Price, Fair Value and News

13.88USD-0.09 (-0.64%)Market Closed

Market Summary

USD13.88-0.09

Market Closed

-0.64%

TCBC Stock Price

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TCBC RSI Chart

TCBC Valuation

Market Cap

58.7M

Price/Earnings (Trailing)

-1.3K

Price/Sales (Trailing)

2.67

EV/EBITDA

2.44

Price/Free Cashflow

-225.82

TCBC Price/Sales (Trailing)

TCBC Profitability

EBT Margin

-0.25%

Return on Equity

-0.06%

Return on Assets

-0.01%

Free Cashflow Yield

-0.44%

TCBC Fundamentals

TCBC Revenue

Revenue (TTM)

22.0M

Rev. Growth (Yr)

23.05%

Rev. Growth (Qtr)

8.32%

TCBC Earnings

Earnings (TTM)

-44.0K

Earnings Growth (Yr)

-93.3%

Earnings Growth (Qtr)

118.79%

Breaking Down TCBC Revenue

Last 7 days

1.5%

Last 30 days

2.4%

Last 90 days

1.9%

Trailing 12 Months

2.0%

How does TCBC drawdown profile look like?

TCBC Financial Health

TCBC Investor Care

Dividend Yield

0.81%

Buy Backs (1Y)

12.60%

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	22.0M	0	0	0
2023	16.9M	18.4M	19.6M	20.8M
2022	13.5M	13.9M	14.6M	15.3M
2021	13.2M	13.0M	13.1M	13.5M
2020	0	0	0	13.1M

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Tracking the Latest Insider Buys and Sells of TC Bancshares, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Dec 21, 2023	penney michael sherman	sold (taxes)	-5,456	13.99	-390	evp-chief credit officer
Dec 21, 2023	eiford gregory	sold (taxes)	-57,359	13.99	-4,100	president & ceo
Dec 21, 2023	higdon nathan	sold (taxes)	-20,439	13.99	-1,461	evp-sr lending officer
Nov 27, 2023	bryant joshua travis	bought	65,000	13.00	5,000	-
Nov 24, 2023	tillman stephanie b	bought	26,000	13.00	2,000	-
Nov 21, 2023	desantis peter	bought	13,000	13.00	1,000	-
Nov 16, 2023	mclean scott charles	bought	6,617	12.75	519	evp-chief financial officer
Jun 06, 2023	johnson jefferson	bought	29,925	14.25	2,100	-
Jun 05, 2023	bryant joshua travis	bought	37,630	14.44	2,606	-
Jun 05, 2023	bryant joshua travis	bought	34,353	14.35	2,394	-

Which funds bought or sold TCBC recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	STATE STREET CORP	reduced	-14.00	-27,975	177,375	-%
May 15, 2024	MORGAN STANLEY	unchanged	-	-	18.00	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	added	1,825	1,003	1,059	-%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-20.00	-464	1,815	-%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	reduced	-23.38	-212,900	684,750	0.13%
May 15, 2024	Royal Bank of Canada	reduced	-17.28	-1,000	2,000	-%
May 14, 2024	NORTHERN TRUST CORP	reduced	-7.28	-15,287	183,728	-%
May 14, 2024	Southeast Asset Advisors Inc.	reduced	-47.77	-860,288	932,250	0.11%
May 14, 2024	ALLIANCEBERNSTEIN L.P.	unchanged	-	-1,678	384,505	-%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	reduced	-2.3	-11,540	605,788	-%

Are Funds Buying or Selling TCBC?

Are funds buying TCBC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own TCBC

No. of Funds

Unveiling TC Bancshares, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 07, 2024	tc bancshares, inc.	8.78%	391,680	SC 13G/A
Feb 14, 2023	tc bancshares, inc.	7.88%	391,868	SC 13G/A
Feb 14, 2022	tc bancshares, inc.	8.00%	391,868	SC 13G

Recent SEC filings of TC Bancshares, Inc.

View All Filings

Date Filed	Form Type	Document
May 17, 2024	8-K	Current Report
May 10, 2024	10-Q	Quarterly Report
Apr 17, 2024	8-K	Current Report
Apr 05, 2024	DEF 14A	DEF 14A
Apr 05, 2024	ARS	ARS
Mar 22, 2024	10-K	Annual Report
Feb 14, 2024	4	Insider Trading
Feb 14, 2024	4	Insider Trading
Feb 14, 2024	4	Insider Trading

Peers (Alternatives to TC Bancshares, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

TC Bancshares, Inc. News

Latest updates

TC Bancshares, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																	(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Revenue	8.3%	6,045	5,580	5,185	5,141	4,913	4,348	4,046	3,582	3,352	3,618	3,373	3,125	3,348	3,266	3,310	3,269	3,242
EBITDA Margin	-9.6%	0.65*	0.72*	0.78*	0.90*	1.01*	1.11*	1.22*	1.23*	1.22*	1.22*	1.08*	1.03*	0.97*	0.88*	-	-	-
Interest Expenses	1.3%	3,389	3,345	3,334	3,598	3,650	3,616	3,763	3,405	3,186	3,435	3,140	2,845	3,027	2,870	2,782	2,627	2,444
Income Taxes	109.3%	3.00	-28.54	-29.49	45.00	121	73.00	212	176	214	239	183	169	231	-178	98.00	56.00	64.00
Earnings Before Taxes	116.9%	25.00	-146	-124	192	453	-159	915	770	910	947	781	739	996	-663	432	257	321
EBT Margin	-113.7%	0.00*	0.02*	0.02*	0.08*	0.12*	0.16*	0.24*	0.24*	0.25*	0.26*	0.14*	0.12*	0.08*	0.03*	-	-	-
Net Income	118.8%	22.00	-118	-94.59	147	332	-232	703	594	696	707	598	570	765	-485	334	202	257
Net Income Margin	-115.7%	0.00*	0.01*	0.01*	0.05*	0.08*	0.11*	0.19*	0.19*	0.19*	0.20*	0.11*	0.09*	0.06*	0.02*	-	-	-
Free Cashflow	176.3%	1,308	473	-30.03	-2,011	3,475	779	505	1,868	966	1,696	938	-428	1,596	2,869	-2,921	-2,069	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet														(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Assets	1.7%	475	467	440	427	430	430	406	431	398	381	387	406	364	350
Cash Equivalents	-4.8%	24.00	25.00	17.00	20.00	27.00	26.00	24.00	58.00	53.00	42.00	48.00	89.00	64.00	42.00
Net PPE	-1.4%	5.00	5.00	5.00	5.00	4.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Liabilities	2.6%	397	387	359	343	344	344	322	346	312	294	302	365	323	310
Shareholder's Equity	-2.3%	78.00	80.00	81.00	83.00	86.00	85.00	85.00	86.00	86.00	87.00	85.00	41.00	41.00	40.00
Retained Earnings	-1.2%	42.00	43.00	44.00	45.00	46.00	46.00	46.00	46.00	45.00	45.00	44.00	43.00	43.00	42.00
Additional Paid-In Capital	-2.8%	42.00	43.00	45.00	48.00	49.00	48.00	47.00	47.00	47.00	47.00	47.00	-	-	-
Shares Outstanding	-3.1%	4.00	4.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	4.00	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																	(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Cashflow From Operations	164.6%	1,372	519	256	-1,152	4,411	857	583	1,897	1,037	1,717	964	-398	1,665	2,981	-2,813	-1,952	1,137
Share Based Compensation	0.0%	193	193	123	395	-	827	-	-	-	-	-	-	-	-	-	-	-
Cashflow From Investing	40.8%	-10,814	-18,271	-16,261	-3,580	602	-21,518	-10,260	-30,815	-7,026	-3,078	-21,648	-15,963	7,514	11,700	3,324	-21,441	-2,435
Cashflow From Financing	-67.8%	8,234	25,572	13,053	-1,727	-3,925	22,475	-25,045	33,955	17,519	-4,990	-20,397	41,686	12,944	11,142	-387	25,190	-8,759
Buy Backs	17.9%	1,961	1,663	1,879	2,521	-	351	734	-	-	-	-	-	-	-	-	-	-

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TCBC Income Statement

2024-03-31

Consolidated Statements of Operations (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and Dividend Income:
Interest and fees on loans	$ 5,227,620	$ 4,244,634
Interest and dividends on investment securities	510,961	334,068
Interest on deposits with other banks and federal fund sold	306,181	300,619
Total interest and dividend income	6,044,762	4,879,321
Interest Expense
Interest on deposits	2,533,091	1,154,629
Interest on borrowings	122,212	107,667
Total interest expense	2,655,303	1,262,296
Net interest income	3,389,459	3,617,025
Provision for Credit Losses	30,000	18,000
Net interest income after provision for credit losses	3,359,459	3,599,025
Other Income:
Service charges on deposits accounts	104,556	135,745
Gain on sale of loans	53,658	94,826
Gain on sale of premises and equipment	0	12,086
Bank owned life insurance income	72,686	68,728
Other	7,786	20,393
Total other income	238,686	331,778
Other Expense:
Salaries and employee benefits	2,094,912	2,062,979
Occupancy and equipment	356,662	237,652
Other real estate owned, net of opereations, loss on sales and write-downs	0	(2,767)
Other	1,121,683	1,180,028
Total other expense	3,573,257	3,477,892
Income Before Income Taxes	24,888	452,911
Income Tax Expense	2,651	120,882
Net Income	$ 22,237	$ 332,029
Earnings per share:
Basic	$ 0.01	$ 0.07
Diluted	$ 0.01	$ 0.07
Weighted Average Shares Outstanding:
Basic	4,361,088	4,974,200
Diluted	4,361,088	4,974,200

TCBC Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($)	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 23,830,948	$ 25,039,214
Investment securities available-for-sale (amortized cost of $53,032,453 and $46,807,212; $0 allowance for credit losses)	49,124,679	42,964,495
Other investments	1,667,550	1,629,150
Mortgage loans held for sale	432,769	289,111
Loans	381,404,580	376,899,968
Allowance for credit losses	(4,889,067)	(4,836,878)
Net loans	376,515,513	372,063,090
Premises and equipment, net	4,714,647	4,782,760
Right-of-use asset	1,895,340	1,944,885
Bank owned life insurance	11,801,705	11,729,019
Accrued interest receivable and other assets	4,692,523	6,141,545
Total Assets	474,675,674	466,583,269
Deposits:
Demand	47,556,816	41,571,035
Interest-bearing demand	51,994,757	52,721,981
Savings and money markets	176,110,642	164,622,926
Certificates of deposit	104,625,385	110,952,852
Total deposits	380,287,600	369,868,794
Federal Home Loan Bank advances	11,000,000	11,000,000
Lease liability	2,070,719	2,102,426
Accrued interest payable and other liabilities	3,477,977	3,977,628
Total liabilities	396,836,296	386,948,848
Shareholders' Equity:
Common stock, $.01 par value, 20,000,000 shares authorized as of March 31, 2024, and December 31, 2023; 4,321,148 and 4,461,667 shares issued and outstanding as of March 31, 2024, and December 31, 2023, respectively	43,211	44,617
Additional paid in capital	41,970,845	43,181,994
Retained earnings	42,329,976	42,863,945
Accumulated other comprehensive loss	(3,173,776)	(3,125,257)
Unearned ESOP shares: 333,088 shares unallocated at March 31, 2024, and December 31, 2023	(3,330,878)	(3,330,878)
Total stockholders' equity	77,839,378	79,634,421
Total Liabilities and Stockholders' Equity	$ 474,675,674	$ 466,583,269

About TC Bancshares, Inc.

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.

CEO	Mr. Gregory H. Eiford
WEBSITE	tcfederal.com
INDUSTRY	Banks Diversified
EMPLOYEES	59

TC Bancshares, Inc. Frequently Asked Questions

What is the ticker symbol for TC Bancshares, Inc.? What does TCBC stand for in stocks?

TCBC is the stock ticker symbol of TC Bancshares, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of TC Bancshares, Inc. (TCBC)?

As of Fri May 17 2024, market cap of TC Bancshares, Inc. is 58.71 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of TCBC stock?

You can check TCBC's fair value in chart for subscribers.

What is the fair value of TCBC stock?

You can check TCBC's fair value in chart for subscribers. The fair value of TC Bancshares, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of TC Bancshares, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for TCBC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is TC Bancshares, Inc. a good stock to buy?

The fair value guage provides a quick view whether TCBC is over valued or under valued. Whether TC Bancshares, Inc. is cheap or expensive depends on the assumptions which impact TC Bancshares, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for TCBC.

What is TC Bancshares, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, TCBC's PE ratio (Price to Earnings) is -1335.23 and Price to Sales (PS) ratio is 2.67. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. TCBC PE ratio will change depending on the future growth rate expectations of investors.