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Upturn AI SWOT - About
TC Bancshares Inc (TCBC)
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Upturn Advisory Summary
09/12/2025: TCBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 21.34% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 66.24M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.15 | 52 Weeks Range 12.76 - 17.49 | Updated Date 06/29/2025 |
52 Weeks Range 12.76 - 17.49 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 0.63% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.3% | Operating Margin (TTM) 0.69% |
Management Effectiveness
Return on Assets (TTM) -0.01% | Return on Equity (TTM) -0.05% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 50998664 | Price to Sales(TTM) 4.55 |
Enterprise Value 50998664 | Price to Sales(TTM) 4.55 | ||
Enterprise Value to Revenue 5.37 | Enterprise Value to EBITDA - | Shares Outstanding 4179480 | Shares Floating 3602628 |
Shares Outstanding 4179480 | Shares Floating 3602628 | ||
Percent Insiders 7.18 | Percent Institutions 11.59 |
Upturn AI SWOT
TC Bancshares Inc
Company Overview
History and Background
TC Bancshares Inc. is a bank holding company. Details of its founding and milestones are not readily available in standard databases, suggesting it may be a smaller, privately held or recently public entity. Further research into SEC filings and the company's own website would be needed.
Core Business Areas
- Community Banking: Offers traditional banking services, including deposit accounts, loans (commercial, residential, consumer), and other financial services to individuals and businesses within its geographic market.
Leadership and Structure
Information regarding the leadership team and organizational structure is not publicly accessible without further research into SEC filings or company directories. It is likely structured with a board of directors, executive officers, and various operational departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, such as working capital, equipment purchases, and real estate. Market share data is not readily available. Competitors include larger national and regional banks like JPMorgan Chase (JPM), Bank of America (BAC), and Wells Fargo (WFC), as well as other local community banks.
- Residential Mortgages: Loans for individuals to purchase or refinance homes. Market share data is not readily available. Competitors include national mortgage lenders like Rocket Companies (RKT) and PennyMac Financial Services (PFSI), as well as other local and regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not readily available. Competitors include all banks operating in its geographic region.
Market Dynamics
Industry Overview
The banking industry is currently facing a dynamic environment with fluctuating interest rates, increasing regulatory scrutiny, and evolving customer preferences toward digital banking. Competition is intense, and profitability depends on factors such as loan growth, net interest margins, and efficiency ratios.
Positioning
Without more specifics on TC Bancshares Inc.'s operations, it is difficult to determine exact positioning. However, as a community bank, it likely focuses on building relationships with local customers and providing personalized service. Its competitive advantage may lie in its local expertise and responsiveness compared to larger national banks.
Total Addressable Market (TAM)
The TAM for community banking in the US is vast, estimated to be hundreds of billions of dollars, encompassing all loans, deposits, and fee-based services provided by community banks. TC Bancshares Inc.'s position within this TAM depends on its geographic footprint and market share within its specific region.
Upturn SWOT Analysis
Strengths
- Strong local relationships
- Personalized customer service
- Quick decision-making
- Community involvement
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Less sophisticated technology infrastructure
- Higher cost structure due to diseconomies of scale
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Partnerships with fintech companies
- Increased demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- Regional Community Banks
Competitive Landscape
TC Bancshares Inc. faces a competitive landscape dominated by larger national banks with significant resources and brand recognition. Its success depends on its ability to differentiate itself through superior customer service, local expertise, and targeted product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to the company's past financial statements, which is unavailable at this time.
Future Projections: Future growth projections require analyst estimates and company guidance, which is unavailable at this time.
Recent Initiatives: Recent strategic initiatives are not publicly available without further research into company press releases and filings.
Summary
TC Bancshares Inc., likely a small or mid-sized community bank, benefits from its local focus and personalized service but faces challenges from larger competitors and evolving technology. Its strengths lie in community relationships, while weaknesses include limited scale and resources. Future success depends on adapting to digital banking trends and expanding its market reach effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Public financial news sources, industry reports, SEC filings (where applicable).
Disclaimers:
The information provided is based on limited publicly available data and general industry knowledge. Specific financial and operational details of TC Bancshares Inc. are unavailable without access to proprietary data. This analysis should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TC Bancshares Inc
Exchange NASDAQ | Headquaters Thomasville, GA, United States | ||
IPO Launch date 2021-07-21 | President, CEO & Director Mr. Gregory H. Eiford | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 65 | Website https://www.tcfederal.com |
Full time employees 65 | Website https://www.tcfederal.com | ||
TC Bancshares, Inc. operates as the holding company for TC Federal Bank that provides various banking services to individual and commercial customers in Georgia and Florida, 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. In addition, it offers online and mobile banking, treasury management, merchant services, business banking cards, electronic services, ATM and wire transfer services. TC Bancshares, Inc. was founded in 1934 and is headquartered in Thomasville, Georgia.
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