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TC BANCSHARES INC (TCBC) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:TCBC - US87224V1089 - Common Stock

13.15 USD
+0.05 (+0.38%)
Last: 8/1/2024, 8:00:01 PM
13.13 USD
-0.02 (-0.15%)
After Hours: 8/1/2024, 8:00:01 PM
Fundamental Rating

2

TCBC gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. The financial health of TCBC is average, but there are quite some concerns on its profitability. TCBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year TCBC has reported negative net income.
  • In the past year TCBC had a positive cash flow from operations.
  • In the past 5 years TCBC has always been profitable.
  • In multiple years TCBC reported negative operating cash flow during the last 5 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 Return On Assets of -0.01%. This is amonst the worse of the industry: TCBC underperforms 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

  • In the last couple of years the Profit Margin of TCBC has declined.
  • 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. Health

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

  • 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.
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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1

3. Growth

3.1 Past

  • The earnings per share for TCBC have decreased strongly by -103.88% in the last year.
  • The Earnings Per Share has been decreasing by -2.61% on average over the past years.
  • TCBC shows a decrease in Revenue. In the last year, the revenue decreased by -9.31%.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • TCBC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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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0

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.70%, TCBC is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.70, TCBC pays less dividend than the industry average, which is at 2.60. 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 paid a dividend for less than 5 years, so there is no long track record yet.
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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TC BANCSHARES INC / TCBC 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.


What is the profitability of TCBC stock?

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


Can you provide the financial health for TCBC stock?

The financial health rating of TC BANCSHARES INC (TCBC) is 4 / 10.


Is the dividend of TC BANCSHARES INC sustainable?

The dividend rating of TC BANCSHARES INC (TCBC) is 0 / 10 and the dividend payout ratio is -1901.25%.