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Upturn AI SWOT - About
TC Bancshares Inc (TCBC)
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Upturn Advisory Summary
10/14/2025: 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 18.92% | Avg. Invested days 49 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/14/2025 |
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 financial holding company operating through its subsidiary bank. Specific founding year and milestones require further research. It focuses on providing banking services to individuals and businesses in its operating regions.
Core Business Areas
- Community Banking: Offers traditional banking products and services, including deposit accounts, loans, and other financial services to individuals and small businesses.
- Commercial Lending: Provides loans and other credit facilities to commercial clients, supporting their business operations and growth initiatives.
- Wealth Management: Offers wealth management and trust services to individuals and families to help them manage their investments and financial planning.
Leadership and Structure
Details on the leadership team and organizational structure require specific research on TC Bancshares Inc.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is currently unavailable. Competitors include regional banks, national banks, and credit unions offering CRE loans.
- Small Business Loans (SBA): Offers SBA-guaranteed loans to small businesses. Market share data is unavailable. Competitors include other banks and online lenders participating in the SBA program.
- Mortgage Lending: Provides loans to customers looking to purchase their home. Market share data is unavailable. Competitors include other banks, mortgage lenders, and online lenders offering CRE loans.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation is an ongoing trend.
Positioning
TC Bancshares Inc is a community-focused bank, positioned to serve local markets and build strong customer relationships. Its competitive advantage likely lies in personalized service and local market knowledge.
Total Addressable Market (TAM)
Requires market research. TAM is the total market for banking services within their geographic footprint. Position depends on how well they capture that local demand.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economy
- Potential for regulatory compliance costs
Opportunities
- Expansion into new markets
- Increased technology adoption
- Strategic acquisitions
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Requires regional bank and competitor research based on specific location.
Competitive Landscape
Requires specific research of regional bank. It is expected that local banks will be highly competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on specific data on revenue, assets, and earnings.
Future Projections: Analyst estimates and future projections require financial modeling and external sources.
Recent Initiatives: Recent initiatives would be announced in investor and press releases and would be updated at the company's website.
Summary
TC Bancshares Inc is a community bank that has both areas to protect and areas to pursue opportunities. It must manage the rising interest rate environment to continue profitable lending and look to capitalize on regional growth. It must watch out for the increased competition from fintech companies and other regulatory pressures. The company's financial future is stable as a community bank in a competitive area.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Market data may be delayed. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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