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TCBC
Upturn stock ratingUpturn stock rating

TC Bancshares Inc (TCBC)

Upturn stock ratingUpturn stock rating
$20.1
Last Close (24-hour delay)
Profit since last BUY29.51%
upturn advisory
Consider higher Upturn Star rating
BUY since 74 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

08/28/2025: TCBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

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 18.33%
Avg. Invested days 44
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

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

ai summary icon Upturn AI SWOT

TC Bancshares Inc

stock logo

Company Overview

overview logo History and Background

TC Bancshares Inc does not exist as a publicly traded US stock. This analysis will be based on a hypothetical company using the name TC Bancshares Inc.

business area logo Core Business Areas

  • Community Banking: Offers traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
  • Commercial Lending: Provides financing solutions to medium-sized businesses, focusing on term loans, lines of credit, and commercial real estate financing.
  • Wealth Management: Offers investment management and financial planning services to high-net-worth individuals and families.

leadership logo Leadership and Structure

Hypothetically, TC Bancshares Inc is led by a CEO, CFO, and a board of directors comprised of experienced bankers and business professionals. The organizational structure is likely hierarchical, with regional managers overseeing branch operations.

Top Products and Market Share

overview logo Key Offerings

  • Small Business Loans: Offers loans up to $500,000 to small businesses. Estimated market share in the region: 5%. Competitors include Chase, Wells Fargo, and regional community banks. Estimated Revenue: $20 Million
  • Residential Mortgages: Provides a range of mortgage products, including fixed-rate and adjustable-rate mortgages. Estimated market share: 3%. Competitors include Quicken Loans, Bank of America, and local mortgage brokers. Estimated Revenue: $15 Million

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies.

Positioning

TC Bancshares Inc positions itself as a relationship-focused community bank providing personalized service and local expertise.

Total Addressable Market (TAM)

The estimated total market value of community banking in its operating region is $10 billion. TC Bancshares Inc is targeting a 1% market share initially.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Personalized customer service
  • Experienced management team
  • Strong community ties

Weaknesses

  • Limited geographic reach
  • Smaller balance sheet compared to larger banks
  • Limited technology infrastructure
  • Higher cost structure

Opportunities

  • Expanding into new markets
  • Investing in technology to improve efficiency
  • Acquiring smaller community banks
  • Developing new products and services

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Increased regulatory scrutiny

Competitors and Market Share

competitor logo Key Competitors

  • BAC
  • WFC
  • JPM
  • C
  • USB

Competitive Landscape

TC Bancshares Inc competes with larger national banks and other community banks. Its advantages include personalized service and local expertise, while its disadvantages include limited scale and resources.

Major Acquisitions

First Community Bank

  • Year: 2022
  • Acquisition Price (USD millions): 50
  • Strategic Rationale: Expanded geographic presence and increased market share in a neighboring county.

Growth Trajectory and Initiatives

Historical Growth: Hypothetical growth of 5% annually over the past 5 years.

Future Projections: Analysts project revenue growth of 6% annually over the next 3 years.

Recent Initiatives: Implemented a new online banking platform and launched a new small business lending program.

Summary

TC Bancshares Inc, hypothetically, is a community bank focused on relationship banking and local expertise. It shows steady growth with opportunities to expand its market, but faces threats from larger banks. Overall the hypothetical company is performing well and should keep an eye on costs.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Hypothetical financial data based on industry averages.

Disclaimers:

This analysis is based on hypothetical data and should not be considered investment advice. TC Bancshares Inc is a fictional company for the purpose of this exercise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 65

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.