TCBC Stock Price, TC Bancshares, Inc. Quote, Chart

Market Summary

USD13.68-0.01

Market Closed

-0.07%

TCBC Stock Price

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TCBC RSI Chart

TCBC Valuation

Market Cap

59.1M

Price/Earnings (Trailing)

222.38

Price/Sales (Trailing)

2.84

EV/EBITDA

2.27

Price/Free Cashflow

31

TCBC Price/Sales (Trailing)

TCBC Profitability

EBT Margin

1.80%

Return on Equity

0.33%

Return on Assets

0.06%

Free Cashflow Yield

3.23%

TCBC Fundamentals

TCBC Revenue

Revenue (TTM)

20.8M

Rev. Growth (Yr)

28.35%

Rev. Growth (Qtr)

7.63%

TCBC Earnings

Earnings (TTM)

265.8K

Earnings Growth (Yr)

49.21%

Earnings Growth (Qtr)

-25.1%

Breaking Down TCBC Revenue

Last 7 days

0.2%

Last 30 days

-1.3%

Last 90 days

-1.0%

Trailing 12 Months

-0.1%

How does TCBC drawdown profile look like?

TCBC Financial Health

TCBC Investor Care

Dividend Yield

0.81%

Buy Backs (1Y)

13.13%

Diluted EPS (TTM)

0.06

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	16.9M	18.4M	19.6M	20.8M
2022	13.5M	13.9M	14.6M	15.3M
2021	13.2M	13.0M	13.1M	13.5M
2020	0	0	0	13.1M

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Tracking the Latest Insider Buys and Sells of TC Bancshares, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Dec 21, 2023	penney michael sherman	sold (taxes)	-5,456	13.99	-390	evp-chief credit officer
Dec 21, 2023	eiford gregory	sold (taxes)	-57,359	13.99	-4,100	president & ceo
Dec 21, 2023	higdon nathan	sold (taxes)	-20,439	13.99	-1,461	evp-sr lending officer
Nov 27, 2023	bryant joshua travis	bought	65,000	13.00	5,000	-
Nov 24, 2023	tillman stephanie b	bought	26,000	13.00	2,000	-
Nov 21, 2023	desantis peter	bought	13,000	13.00	1,000	-
Nov 16, 2023	mclean scott charles	bought	6,617	12.75	519	evp-chief financial officer
Jun 06, 2023	johnson jefferson	bought	29,925	14.25	2,100	-
Jun 05, 2023	bryant joshua travis	bought	37,630	14.44	2,606	-
Jun 05, 2023	bryant joshua travis	bought	34,353	14.35	2,394	-

Which funds bought or sold TCBC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 29, 2024	American Capital Advisory, LLC	sold off	-100	-2,762	-	-%
Apr 24, 2024	BROWN ADVISORY INC	unchanged	-	-1,055	241,780	-%
Apr 23, 2024	GRAHAM CAPITAL WEALTH MANAGEMENT, LLC	new	-	157,864	157,864	0.27%
Apr 12, 2024	Allen Mooney & Barnes Investment Advisors LLC	added	0.79	-16,226	1,033,330	0.20%
Apr 10, 2024	Thomasville National Bank	added	7.69	31,127	462,179	0.04%
Mar 11, 2024	VANGUARD GROUP INC	added	0.17	44,578	2,753,010	-%
Feb 14, 2024	ALLIANCEBERNSTEIN L.P.	unchanged	-	5,593	386,183	-%
Feb 14, 2024	STATE STREET CORP	unchanged	-	-1,650	205,350	-%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	new	-	56.00	56.00	-%

Are Funds Buying or Selling TCBC?

Are funds buying TCBC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own TCBC

No. of Funds

Unveiling TC Bancshares, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 07, 2024	tc bancshares, inc.	8.78%	391,680	SC 13G/A
Feb 14, 2023	tc bancshares, inc.	7.88%	391,868	SC 13G/A
Feb 14, 2022	tc bancshares, inc.	8.00%	391,868	SC 13G

Recent SEC filings of TC Bancshares, Inc.

View All Filings

Date Filed	Form Type	Document
Apr 17, 2024	8-K	Current Report
Apr 05, 2024	DEF 14A	DEF 14A
Apr 05, 2024	ARS	ARS
Mar 22, 2024	10-K	Annual Report
Feb 14, 2024	4	Insider Trading
Feb 14, 2024	4	Insider Trading
Feb 14, 2024	4	Insider Trading
Feb 07, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to TC Bancshares, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	547.1B	174.7B	-3.92%	42.05%	10.87	3.13	53.11%	19.83%
BAC	291.2B	127.4B	-0.53%	37.98%	11.64	2.29	44.27%	-12.56%
WFC	208.9B	85.8B	4.90%	63.21%	11.13	2.44	35.02%	26.14%
C	117.3B	125.0B	-0.29%	36.99%	14.68	0.94	37.85%	-
CFG	16.2B	10.2B	1.35%	42.41%	10.1	1.59	44.53%	-22.43%
KEY	14.1B	8.1B	-2.10%	67.08%	16.1	1.73	32.15%	-50.93%
MID-CAP
CMA	7.0B	4.2B	-1.32%	70.01%	10.12	1.66	34.68%	-45.96%
ZION	6.5B	3.9B	2.66%	119.02%	9.51	1.64	45.91%	-25.03%
ABCB	3.4B	1.3B	6.52%	67.99%	12.78	2.69	43.24%	-22.35%
ASB	3.3B	1.8B	5.32%	45.11%	20.6	1.8	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.3M	152.4M	-5.17%	46.88%	39.76	2.59	16.94%	-73.84%
AROW	391.6M	162.6M	-0.59%	18.78%	13.02	2.41	25.39%	-38.37%
ACNB	282.2M	96.6M	-4.87%	20.96%	8.91	2.92	11.02%	-11.37%
ASRV	41.8M	60.9M	-2.01%	-14.98%	-12.5	0.69	24.06%	-144.92%

TC Bancshares, Inc. News

Latest updates

TC Bancshares, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Revenue	7.6%	5,580	5,185	5,141	4,913	4,348	4,046	3,582	3,352	3,618	3,373	3,125	3,348	3,266	3,310	3,269	3,242
EBITDA Margin	-7.9%	0.72*	0.78*	0.91*	1.01*	1.11*	1.22*	1.23*	1.22*	1.22*	1.08*	1.03*	0.97*	0.88*	-	-	-
Interest Expenses	0.3%	3,345	3,334	3,598	3,650	3,616	3,763	3,405	3,186	3,435	3,140	2,845	3,027	2,870	2,782	2,627	2,444
Income Taxes	3.2%	-28.54	-29.49	45.00	121	73.00	212	176	214	239	183	169	231	-178	98.00	56.00	64.00
Earnings Before Taxes	-18.4%	-146	-124	192	453	-159	915	770	910	947	781	739	996	-663	432	257	321
EBT Margin	-1.9%	0.02*	0.02*	0.08*	0.12*	0.16*	0.24*	0.24*	0.25*	0.26*	0.14*	0.12*	0.08*	0.03*	-	-	-
Net Income	-25.1%	-118	-94.59	147	332	-232	703	594	696	707	598	570	765	-485	334	202	257
Net Income Margin	66.5%	0.01*	0.01*	0.05*	0.08*	0.11*	0.19*	0.19*	0.19*	0.20*	0.11*	0.09*	0.06*	0.02*	-	-	-
Free Cashflow	1676.5%	473	-30.03	-2,011	3,475	824	505	1,868	966	1,696	938	-428	1,596	2,869	-2,921	-2,069	1,015

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet													(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Assets	6.1%	467	440	427	430	430	406	431	398	381	387	406	364	350
Cash Equivalents	45.4%	25.00	17.00	20.00	27.00	26.00	24.00	58.00	53.00	42.00	48.00	89.00	64.00	42.00
Net PPE	-2.1%	5.00	5.00	5.00	4.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Liabilities	7.9%	387	359	343	344	344	322	346	312	294	302	365	323	310
Shareholder's Equity	-1.9%	80.00	81.00	83.00	86.00	85.00	85.00	86.00	86.00	87.00	85.00	41.00	41.00	40.00
Retained Earnings	-2.7%	43.00	44.00	45.00	46.00	46.00	46.00	46.00	45.00	45.00	44.00	43.00	43.00	42.00
Additional Paid-In Capital	-4.0%	43.00	45.00	48.00	49.00	48.00	47.00	47.00	47.00	47.00	47.00	-	-	-
Shares Outstanding	-4.5%	4.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	4.00	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Cashflow From Operations	102.7%	519	256	-1,152	4,411	857	583	1,897	1,037	1,717	964	-398	1,665	2,981	-2,813	-1,952	1,137
Share Based Compensation	56.2%	193	123	-	-	827	-	-	-	-	-	-	-	-	-	-	-
Cashflow From Investing	-12.4%	-18,271	-16,261	-3,580	602	-21,518	-10,260	-30,815	-7,026	-3,078	-21,648	-15,963	7,514	11,700	3,324	-21,441	-2,435
Cashflow From Financing	95.9%	25,572	13,053	-1,727	-3,925	22,475	-25,045	33,955	17,519	-4,990	-20,397	41,686	12,944	11,142	-387	25,190	-8,759
Buy Backs	-11.5%	1,663	1,879	2,521	-	351	734	-	-	-	-	-	-	-	-	-	-

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TCBC Income Statement

2023-12-31

Consolidated Statements of Income - USD ($)	12 Months Ended
Consolidated Statements of Income - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Interest and Dividend Income:
Interest and fees on loans	$ 18,129,865	$ 13,880,109
Interest and dividends on taxable investment securities	1,585,248	906,936
Interest on deposits with other banks and federal fund sold	1,101,382	539,993
Total interest and dividend income	20,816,495	15,327,038
Interest Expense
Interest on deposits	6,619,095	1,301,618
Interest on borrowings	272,769	55,300
Total interest expense	6,891,864	1,356,918
Net interest income	13,924,631	13,970,120
Provision for Credit Losses	175,000	110,905
Net interest income after provision for Credit losses	13,749,631	13,859,215
Other Income:
Service charges on deposits accounts	547,766	584,510
Gain on sale of loans	245,362	1,061,276
Gain on sale of fixed assets	12,086	0
Bank owned life insurance income	286,366	276,080
Other	64,163	31,137
Total other income	1,155,743	1,953,003
Other Expense:
Salaries and employee benefits	8,526,759	7,903,629
Occupancy and equipment	1,294,952	827,785
Other real estate owned, net of operations, loss on sales and write-downs	37,844	131,606
Other expense	4,671,764	4,513,313
Total other expense	14,531,319	13,376,333
Income Before Income Taxes	374,055	2,435,885
Income tax (benefit) expense	108,230	675,472
Net Income	$ 265,825	$ 1,760,413
Earnings per share:
Basic	$ 0.06	$ 0.36
Diluted	$ 0.06	$ 0.36
Weighted Average Shares Outstanding:
Basic	4,783,618	4,880,723
Diluted	4,796,488	4,881,923

TCBC Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 25,039,214	$ 25,545,872
Certificates of deposit with other banks	0	1,739,000
Investment securities available-for-sale (amortized cost of $46,807,212 and $47,834,395; $0 allowance for credit losses)	42,964,495	43,096,552
Other investments	1,629,150	1,377,500
Mortgage loans held for sale	289,111	2,085,099
Loans	376,899,968	338,501,049
Allowance for credit losses	(4,836,878)	(4,362,178)
Net loans	372,063,090	334,138,871
Premises and equipment, net	4,782,760	3,132,282
Right-of-use asset	1,944,885	0
Other real estate owned	0	683,800
Bank owned life insurance	11,729,019	11,442,653
Accrued interest receivable and other assets	6,141,545	6,375,897
Total Assets	466,583,269	429,617,526
Deposits:
Demand	41,571,035	38,703,612
Interest-bearing demand	52,721,981	58,873,304
Savings	164,622,926	142,045,939
Certificates of deposit	110,952,852	89,505,398
Total deposits	369,868,794	329,128,253
Federal Home Loan Bank advances	11,000,000	11,000,000
Lease liability	2,102,426	0
Accrued interest payable and other liabilities	3,977,628	4,211,439
Total liabilities	386,948,848	344,339,692
Stockholders' Equity
Common stock, $.01 par value, 20,000,000 shares authorized as of December 31, 2023 and 2022; 4,461,667 shares and 5,049,372 shares issued as of December 31, 2023 and 2022 respectively; 4,461,667 and 4,974,200 shares outstanding as of December 31, 2023 and 2022, respectively	44,617	50,494
Additional paid in capital	43,181,994	48,267,762
Retained earnings	42,863,945	45,876,694
Accumulated other comprehensive loss	(3,125,257)	(4,305,039)
Treasury stock: -0- shares and 75,172 shares as of December 31, 2023 and 2022, respectively	0	(1,085,265)
Unearned ESOP 333,088 shares and 352,682 shares unallocated at December 31, 2023 and 2022, respectively	(3,330,878)	(3,526,812)
Total stockholders' equity	79,634,421	85,277,834
Total Liabilities and Stockholders' Equity	$ 466,583,269	$ 429,617,526

About TC Bancshares, Inc.

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.

CEO	Mr. Gregory H. Eiford
WEBSITE	tcfederal.com
INDUSTRY	Banks Diversified
EMPLOYEES	59

TC Bancshares, Inc. Frequently Asked Questions

What is the ticker symbol for TC Bancshares, Inc.? What does TCBC stand for in stocks?

TCBC is the stock ticker symbol of TC Bancshares, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of TC Bancshares, Inc. (TCBC)?

As of Fri May 03 2024, market cap of TC Bancshares, Inc. is 59.11 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of TCBC stock?

You can check TCBC's fair value in chart for subscribers.

What is the fair value of TCBC stock?

You can check TCBC's fair value in chart for subscribers. The fair value of TC Bancshares, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of TC Bancshares, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for TCBC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is TC Bancshares, Inc. a good stock to buy?

The fair value guage provides a quick view whether TCBC is over valued or under valued. Whether TC Bancshares, Inc. is cheap or expensive depends on the assumptions which impact TC Bancshares, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for TCBC.

What is TC Bancshares, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 03 2024, TCBC's PE ratio (Price to Earnings) is 222.38 and Price to Sales (PS) ratio is 2.84. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. TCBC PE ratio will change depending on the future growth rate expectations of investors.