Contrasting TC Bancshares (NASDAQ:TCBC) & Southern Banc (OTCMKTS:SRNN)

Profitability

This table compares TC Bancshares and Southern Banc’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TC Bancshares	-0.19%	-0.05%	-0.01%
Southern Banc	12.67%	9.76%	1.27%

Valuation and Earnings

This table compares TC Bancshares and Southern Banc”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TC Bancshares	$14.76 million	4.96	$270,000.00	N/A	N/A
Southern Banc	$10.60 million	1.05	$1.60 million	$1.83	7.51

Southern Banc has lower revenue, but higher earnings than TC Bancshares.

Risk & Volatility

TC Bancshares has a beta of 0.1, suggesting that its stock price is 90% less volatile than the S&P 500. Comparatively, Southern Banc has a beta of -0.33, suggesting that its stock price is 133% less volatile than the S&P 500.

Institutional & Insider Ownership

23.6% of TC Bancshares shares are owned by institutional investors. 9.6% of TC Bancshares shares are owned by company insiders. Comparatively, 22.0% of Southern Banc shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Southern Banc beats TC Bancshares on 5 of the 9 factors compared between the two stocks.

About TC Bancshares

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.

About Southern Banc

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank company that provides various banking products and services in Alabama. The company’s personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. Its business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.