TC BANCSHARES INC (TCBC) Fundamental Analysis & Valuation

NASDAQ:TCBC • US87224V1089

Current stock price

13.15 USD
+0.05 (+0.38%)
At close:
13.13 USD
-0.02 (-0.15%)
After Hours:

This TCBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. TCBC Profitability Analysis

1.1 Basic Checks

  • TCBC had negative earnings in the past year.
  • TCBC had a positive operating cash flow in the past year.
  • TCBC had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: TCBC reported negative operating cash flow in multiple years.
TCBC Yearly Net Income VS EBIT VS OCF VS FCFTCBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 0 1M -1M 2M 3M 4M

1.2 Ratios

  • TCBC has a worse Return On Assets (-0.01%) than 94.58% of its industry peers.
  • TCBC's Return On Equity of -0.05% is on the low side compared to the rest of the industry. TCBC is outperformed by 94.58% of its industry peers.
Industry RankSector Rank
ROA -0.01%
ROE -0.05%
ROIC N/A
ROA(3y)0.39%
ROA(5y)0.32%
ROE(3y)1.81%
ROE(5y)1.85%
ROIC(3y)N/A
ROIC(5y)N/A
TCBC Yearly ROA, ROE, ROICTCBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 1 2 3

1.3 Margins

  • TCBC's Profit Margin has declined in the last couple of years.
  • The Profit Margin and Operating Margin and Gross Margin are not available for TCBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.16%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
TCBC Yearly Profit, Operating, Gross MarginsTCBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 5 10 15

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4

2. TCBC Health Analysis

2.1 Basic Checks

  • TCBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, TCBC has less shares outstanding
  • There is no outstanding debt for TCBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TCBC Yearly Shares OutstandingTCBC Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 1M 2M 3M 4M
TCBC Yearly Total Debt VS Total AssetsTCBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 100M 200M 300M 400M

2.2 Solvency

  • TCBC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.14%
TCBC Yearly LT Debt VS Equity VS FCFTCBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TCBC Yearly Current Assets VS Current LiabilitesTCBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2M 4M 6M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. TCBC Growth Analysis

3.1 Past

  • TCBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -103.88%.
  • Measured over the past years, TCBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.61% on average per year.
  • Looking at the last year, TCBC shows a decrease in Revenue. The Revenue has decreased by -9.31% in the last year.
  • The Revenue has been growing slightly by 5.75% on average over the past years.
EPS 1Y (TTM)-103.87%
EPS 3Y-2.61%
EPS 5YN/A
EPS Q2Q%-92.71%
Revenue 1Y (TTM)-9.31%
Revenue growth 3Y5.75%
Revenue growth 5YN/A
Sales Q2Q%-8.61%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
TCBC Yearly Revenue VS EstimatesTCBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 5M 10M 15M

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0

4. TCBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for TCBC. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
TCBC Price Earnings VS Forward Price EarningsTCBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TCBC Per share dataTCBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TCBC Dividend Analysis

5.1 Amount

  • TCBC has a yearly dividend return of 0.70%, which is pretty low.
  • With a Dividend Yield of 0.70, TCBC pays less dividend than the industry average, which is at 2.53. 84.98% of the companies listed in the same industry pay a better dividend than TCBC!
  • With a Dividend Yield of 0.70, TCBC pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.7%

5.2 History

  • TCBC has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
TCBC Yearly Dividends per shareTCBC Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 0.02 0.04 0.06 0.08

5.3 Sustainability

  • The earnings of TCBC are negative and hence is the payout ratio. TCBC will probably not be able to sustain this dividend level.
DP-1901.25%
EPS Next 2YN/A
EPS Next 3YN/A
TCBC Yearly Income VS Free CF VS DividendTCBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 0 1M -1M 2M 3M 4M

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TCBC Fundamentals: All Metrics, Ratios and Statistics

TC BANCSHARES INC

NASDAQ:TCBC (8/1/2024, 8:00:01 PM)

After market: 13.13 -0.02 (-0.15%)

13.15

+0.05 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)02-09
Inst Owners2.8%
Inst Owner Change0%
Ins Owners6.17%
Ins Owner Change0%
Market Cap55.62M
Revenue(TTM)14.73M
Net Income(TTM)-36.09K
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.7%
Yearly Dividend0.1
Dividend Growth(5Y)N/A
DP-1901.25%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.78
P/FCF N/A
P/OCF 55.93
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)-0.01
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.06
FCFYN/A
OCF(TTM)0.24
OCFY1.79%
SpS3.48
BVpS18.4
TBVpS18.4
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.01%
ROE -0.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.39%
ROA(5y)0.32%
ROE(3y)1.81%
ROE(5y)1.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.16%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 185.56%
Cap/Sales 8.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC14.14%
ROIC/WACCN/A
Cap/Depr(3y)127.19%
Cap/Depr(5y)107.9%
Cap/Sales(3y)5.56%
Cap/Sales(5y)4.36%
Profit Quality(3y)365.87%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-103.87%
EPS 3Y-2.61%
EPS 5YN/A
EPS Q2Q%-92.71%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.31%
Revenue growth 3Y5.75%
Revenue growth 5YN/A
Sales Q2Q%-8.61%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-108.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-70.14%
OCF growth 3YN/A
OCF growth 5YN/A

TC BANCSHARES INC / TCBC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of TC BANCSHARES INC (TCBC) stock?

ChartMill assigns a fundamental rating of 2 / 10 to TCBC.


What is the valuation status for TCBC stock?

ChartMill assigns a valuation rating of 0 / 10 to TC BANCSHARES INC (TCBC). This can be considered as Overvalued.


How profitable is TC BANCSHARES INC (TCBC) stock?

TC BANCSHARES INC (TCBC) has a profitability rating of 1 / 10.