Head to Head Review: TC Bancshares (TCBC) versus Its Peers

TC Bancshares (NASDAQ:TCBC) is one of 102 public companies in the “Federal savings institutions” industry, but how does it weigh in compared to its competitors? We will compare TC Bancshares to similar businesses based on the strength of its analyst recommendations, institutional ownership, valuation, profitability, dividends, risk and earnings.

Institutional and Insider Ownership

23.6% of TC Bancshares shares are held by institutional investors. Comparatively, 40.1% of shares of all “Federal savings institutions” companies are held by institutional investors. 9.6% of TC Bancshares shares are held by insiders. Comparatively, 9.2% of shares of all “Federal savings institutions” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for TC Bancshares and its competitors, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TC Bancshares	0	0	0	0	N/A
TC Bancshares Competitors	427	1440	1022	46	2.23

As a group, “Federal savings institutions” companies have a potential upside of 211.14%. Given TC Bancshares’ competitors higher possible upside, analysts clearly believe TC Bancshares has less favorable growth aspects than its competitors.

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 3.5% and pay out 39.7% of their earnings in the form of a dividend. TC Bancshares lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Profitability

This table compares TC Bancshares and its competitors’ 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	8.96%	6.03%	0.64%

Risk & Volatility

TC Bancshares has a beta of 0.05, indicating that its share price is 95% less volatile than the S&P 500. Comparatively, TC Bancshares’ competitors have a beta of 0.26, indicating that their average share price is 74% less volatile than the S&P 500.

Valuation and Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
TC Bancshares	$21.97 million	$270,000.00	225.83
TC Bancshares Competitors	$2.11 billion	$381.21 million	14.18

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

Summary

TC Bancshares competitors beat TC Bancshares on 10 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.