TC Bancshares (NASDAQ:TCBC) & AMB Financial (OTCMKTS:AMFC) Financial Review

AMB Financial (OTCMKTS:AMFC) and TC Bancshares (NASDAQ:TCBC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, dividends, risk, profitability, institutional ownership, valuation and analyst recommendations.

Profitability

This table compares AMB Financial and TC Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
AMB Financial	N/A	N/A	N/A
TC Bancshares	-0.19%	-0.05%	-0.01%

Institutional and Insider Ownership

1.2% of AMB Financial shares are held by institutional investors. Comparatively, 23.6% of TC Bancshares shares are held by institutional investors. 37.7% of AMB Financial shares are held by company insiders. Comparatively, 9.6% of TC Bancshares shares are held by company 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.

Dividends

AMB Financial pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.6%.

Analyst Ratings

This is a breakdown of recent ratings and target prices for AMB Financial and TC Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AMB Financial	0	0	0	0	N/A
TC Bancshares	0	0	0	0	N/A

Valuation and Earnings

This table compares AMB Financial and TC Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMB Financial	N/A	N/A	N/A	N/A	N/A
TC Bancshares	$14.76 million	4.70	$270,000.00	N/A	N/A

TC Bancshares has higher revenue and earnings than AMB Financial.

Volatility & Risk

AMB Financial has a beta of 0.34, meaning that its share price is 66% less volatile than the S&P 500. Comparatively, TC Bancshares has a beta of 0.08, meaning that its share price is 92% less volatile than the S&P 500.

Summary

AMB Financial beats TC Bancshares on 6 of the 8 factors compared between the two stocks.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier's checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.

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.