TC Bancshares (NASDAQ:TCBC) vs. Security Bancorp (OTCMKTS:SCYT) Head to Head Contrast

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

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Security Bancorp and TC Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Security Bancorp	0	0	0	0	N/A
TC Bancshares	0	0	0	0	N/A

Insider & Institutional Ownership

13.3% of TC Bancshares shares are owned by institutional investors. 6.9% of TC Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Volatility and Risk

Security Bancorp has a beta of 0.11, meaning that its share price is 89% less volatile than the S&P 500. Comparatively, TC Bancshares has a beta of 0.05, meaning that its share price is 95% less volatile than the S&P 500.

Valuation & Earnings

This table compares Security Bancorp and TC Bancshares’ top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Security Bancorp	N/A	N/A	N/A	N/A	N/A
TC Bancshares	$17.36 million	3.60	$1.76 million	N/A	N/A

TC Bancshares has higher revenue and earnings than Security Bancorp.

Profitability

This table compares Security Bancorp and TC Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Security Bancorp	N/A	N/A	N/A
TC Bancshares	0.72%	0.18%	0.03%

Dividends

Security Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.6%. TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.7%.

Summary

TC Bancshares beats Security Bancorp on 6 of the 8 factors compared between the two stocks.

About Security Bancorp

Security Bancorp, Inc. operates as the bank holding company for Security Federal Savings Bank that provides banking products and services to individual and corporate customers in Tennessee. The company's deposit products include checking and savings accounts, and certificates of deposit. It also offers consumer loans; mortgage loans; commercial loans, including installment loans and lines of credit; residential real estate loans; and acquisition and development loans. In addition, the company provides financial services that include individual retirement accounts; mutual funds, stocks, and bonds; rollovers; transfers; fixed, variable, indexed, and immediate annuities; life insurance; college planning; and bill payment products and services, as well as online, mobile, and telephone banking services. Security Bancorp, Inc. was founded in 1960 and is headquartered in McMinnville, Tennessee.

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.