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.
infoTC Bancshares is a micro cap stock with a total market cap of 69.06M.
infoThey trade on the NASDAQ and had their IPO 2 years ago.
infoTC Bancshares currently employs 59 people.
infoAs of Thursday, Jul 27 2023, TC Bancshares’s share price is $14.27.
News Relating to TC Bancshares
Seeking Alpha
TC Bancshares: A New Small-Cap Bank With Strong Exposure To Residential Real Estate
Friday Sep 24 2021 at 09:31
TC Bancshares is the holding company of TC Federal Bank, a very small bank with a limited footprint. The size of the balance sheet is just around $400M, so it’s a tiny bank.
TC Bancshares Bankruptcy Risk
The Altman Z-score is a formula that measures a company’s financial health and bankruptcy risk. It assigns a numerical score based on various financial ratios. The Z-score is divided into different zones. If the Z-score is above 2.99, it indicates a lower bankruptcy risk, classifying the company as ‘safe’ or ‘non-distressed’. If the score falls below 1.81, it suggests a higher risk, indicating potential financial distress or bankruptcy. The range between 1.81 and 2.99 is called the ‘gray zone’ or zone of ambiguity.
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TC Bancshares’s Altman Z-score is 271.81 which is in the safe zone. This indicates the company is financially stable and less likely to experience financial distress or bankruptcy.
Derived from SEC.GOV filing dataopen_in_new
TC Bancshares Insider Trading
Insider trading is when individuals employed by a company buy or sell its securities following legal procedures and regulations. Company executives, directors, and employees may be permitted to buy or sell shares if they follow specific rules, such as filing a Form 4 with the SEC within two business days.
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Over the last 3 months, 4 insiders have bought $202.49K of common stock in TC Bancshares on the stock market with no insider selling.
Derived from SEC.GOV filing dataopen_in_new
Debt & Income Analysis
Income quality measures a company’s operating cash flow to net income ratio. It helps investors and analysts assess the sustainability of a company’s earnings. A high QIR indicates strong cash flows, while a low QIR may indicate non-operating activities driving net income.
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TC Bancshares’s Income Quality of 5.58 is greater than its Industry Group of 1.52 (267.1% greater)
TC Bancshares’s Income Quality of 5.58 is greater than its Major Industry Group of 1.35 (313.3% greater)
TC Bancshares’s Income Quality of 5.58 is greater than its Sector of 0.79 (606.3% greater)
Derived from SEC.GOV filing dataopen_in_new
Current ratio measures a company’s ability to pay off short-term debt with its current assets (assets that a company expects to use up or convert to cash within a year). It represents the $ amount of current assets a company has for every $1 of short-term debt. A high current ratio above 1.0 indicates that a company can meet its short-term obligations, while a low current ratio below 1.0 suggests difficulty.
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TC Bancshares’s Current Ratio of 11635.99 is greater than its Industry Group of 27.5 (42212.7% greater)
TC Bancshares’s Current Ratio of 11635.99 is greater than its Major Industry Group of 10.66 (109055.6% greater)
TC Bancshares’s Current Ratio of 11635.99 is greater than its Sector of 1.5 (775632.7% greater)
Derived from SEC.GOV filing dataopen_in_new
Value Analysis
PE ratio (price-to-earnings), measures a company’s stock price relative to its earnings per share. It helps investors evaluate whether its stock is overvalued or undervalued. A higher PE ratio indicates that investors are willing to pay more for a company’s earnings, while a lower PE ratio (above zero) suggests the company could be undervalued.
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TC Bancshares’s PE Ratio of 49.55 is greater than its Industry Group of 9.46 (423.8% greater)
TC Bancshares’s PE Ratio of 49.55 is greater than its Major Industry Group of 8.58 (477.5% greater)
TC Bancshares’s PE Ratio of 49.55 is greater than its Sector of 9.38 (428.3% greater)
Derived from SEC.GOV filing dataopen_in_new
The PB ratio (price-to-book), measures a company’s stock price relative to its book value (net value of a company’s assets reported on its balance sheet, after subtracting debt) per share. It is used to evaluate a company’s valuation, with a lower PB ratio (above zero) indicating a lower valuation and a higher PB ratio suggesting overvaluation.
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TC Bancshares’s PB Ratio of 0.81 is greater than its Industry Group of 0.13 (523.1% greater)
TC Bancshares’s PB Ratio of 0.81 is greater than its Major Industry Group of 0.46 (76.1% greater)
TC Bancshares’s PB Ratio of 0.81 is lower than its Sector of 0.97 (-16.5% lower)
Derived from SEC.GOV filing dataopen_in_new
Efficiency Analysis
ROE (Return on Equity), is a financial ratio that measures a company’s profitability relative to its shareholders’ equity (the amount of value in a company that belongs to the people who own shares). It indicates how efficiently a company generates profits per unit of equity invested. A high ROE suggests effective use of equity, while a low ROE indicates inefficiency.
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TC Bancshares’s ROE of 0.02 is greater than its Industry Group of 0.01 (100.0% greater)
TC Bancshares’s ROE of 0.02 is lower than its Major Industry Group of 0.04 (-50.0% lower)
TC Bancshares’s ROE of 0.02 is lower than its Sector of 0.04 (-50.0% lower)
Derived from SEC.GOV filing dataopen_in_new
ROCE (Return on Capital Employed), is a financial ratio that measures a company’s profitability relative to the amount of capital invested in its operations. It indicates how well a company is generating profits from its capital investments. A high ROCE suggests effective use of capital, while a low ROCE indicates inefficiency.
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Cannot compute a percentage difference when there are zeros in the calculation
Cannot compute a percentage difference when there are zeros in the calculation
Derived from SEC.GOV filing dataopen_in_new