TC Bancshares (TCBC) and Its Peers Head-To-Head Comparison

TC Bancshares (NASDAQ:TCBC) is one of 111 publicly-traded companies in the “Federal savings institutions” industry, but how does it contrast to its rivals? We will compare TC Bancshares to similar businesses based on the strength of its analyst recommendations, institutional ownership, profitability, valuation, earnings, risk and dividends.

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 3.4% and pay out 38.7% of their earnings in the form of a dividend. TC Bancshares lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Valuation and Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
TC Bancshares	$21.97 million	$270,000.00	228.00
TC Bancshares Competitors	$1.88 billion	$339.58 million	14.19

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

Profitability

This table compares TC Bancshares and its rivals’ 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%	5.83%	0.61%

Volatility and Risk

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’ rivals have a beta of 0.27, suggesting that their average share price is 73% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and recommmendations for TC Bancshares and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TC Bancshares	0	0	0	0	N/A
TC Bancshares Competitors	417	1687	1141	35	2.24

As a group, “Federal savings institutions” companies have a potential upside of 209.84%. Given TC Bancshares’ rivals higher possible upside, analysts plainly believe TC Bancshares has less favorable growth aspects than its rivals.

Insider & Institutional Ownership

23.6% of TC Bancshares shares are owned by institutional investors. Comparatively, 41.0% of shares of all “Federal savings institutions” companies are owned by institutional investors. 6.9% of TC Bancshares shares are owned by insiders. Comparatively, 9.8% of shares of all “Federal savings institutions” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

TC Bancshares rivals 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.