TC Bancshares, Inc.

TCBC

TC Bancshares, Inc.

TCBC

Insider Sentiment (TTM):

Last Purchase:2024-08-29Last Sale:2024-08-22Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2024-06-30Institutional Shares Owned:486,768Shares Outstanding:4,361,088Institutional Ownership Pct.:11.16%

Earnings Market Reaction:

Filing Date:2024-05-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30
Cash And Due From Banks	24	25	17	20	27	26	19	48	43	32	38	79
Federal Funds Sold	-	-	-	-	-	0	5	10	10	10	10	10
Certificates Of Deposit At Carrying Value	-	0	1	1	1	2	2	2	3	3	3	3
Cash Cash Equivalents And Federal Funds Sold	-	-	-	-	-	26	24	58	53	42	48	89
Available For Sale Securities Debt Securities	49	43	42	42	44	43	44	46	48	46	43	26
Other Investments	2	2	1	1	1	1	1	1	1	0	0	0
Mortgages Held For Sale Fair Value Disclosure	0	0	0	0	0	2	2	2	3	3	4	4
Notes Receivable Gross	381	377	358	342	338	339	-	-	-	-	-	-
Assets
Assets	475	467	440	427	430	430	406	431	398	381	387	406
Financing Receivable Allowance For Credit Losses	-5	-5	-5	-5	-5	-4	-	-	-	-	-	-
Notes Receivable Net	377	372	354	337	334	334	-	-	-	-	-	-
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	334	312	300	269	266	266	263
Property Plant And Equipment Net	5	5	5	5	4	3	3	3	3	3	3	3
Operating Lease Right Of Use Asset	2	2	2	2	2	0	-	-	-	-	-	-
Other Real Estate	-	0	0	0	0	1	1	1	1	1	1	0
Bank Owned Life Insurance	12	12	12	12	12	11	11	11	11	11	11	11
Accrued Investment Income Receivable	5	6	6	6	6	6	6	6	6	5	6	6
Liabilities And Stockhold…
Demand Deposit Accounts	48	42	46	44	46	39	47	67	40	36	35	48
Interest Bearing Domestic Deposit Demand	52	53	49	52	160	59	161	165	159	147	148	148
Deposits
Deposits	380	370	347	332	336	329	316	340	307	289	294	313
Deposits Savings Deposits	176	165	157	138	30	142	34	35	35	34	35	37
Interest Bearing Domestic Deposit Certificates Of …	105	111	95	98	101	90	74	74	73	73	77	79
Advances From Federal Home Loan Banks	11	11	5	5	0	11	-	-	-	0	-	9
Operating Lease Liability	2	2	2	2	2	0	-	-	-	-	-	-
Interest Payable Current And Noncurrent	3	4	4	5	6	4	6	5	5	5	7	7
Liabilities	397	387	359	343	344	344	322	346	312	294	302	365
Stockholders Equity Inclu…
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	-
Additional Paid In Capital	42	43	45	48	49	48	47	47	47	47	47	-
Retained Earnings Accumulated Deficit	42	43	44	45	46	46	46	46	45	45	44	43
Accumulated Other Comprehensive Income Loss Net Of…	-3	-3	-4	-4	-4	-4	-5	-4	-3	-2	-2	-2
Treasury Stock Value	-	0	0	0	0	-1	-1	-	-	0	-	-
Unearned E S O P Shares	-3	-3	-4	-4	-4	-4	-4	-4	-4	-4	-4	-
Stockholders Equity	78	80	81	83	86	85	85	86	86	87	85	41
Liabilities And Stockholders Equity	475	467	440	427	430	430	406	431	398	381	387	406
Loans And Leases Receivable Allowance	-	-	-	-	5	-	-	-	4	-	-	-
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	-
Common Stock Shares Authorized	20	20	20	20	20	20	20	20	20	20	20	-
Common Stock Shares Issued	4	4	5	5	5	5	5	5	5	5	5	-
Shares Outstanding	4	4	5	5	5	5	5	5	5	5	5	-
Treasury Stock Shares	-	-	-	-	0	0	0	-	-	0	-	-
Treasury Stock Common Shares	-	0	0	0	-	0	-	-	-	-	-	-
Employee Stock Ownership Plan E S O P Number Of Su…	0	0	0	0	0	0	0	0	0	0	0	-
Available For Sale Debt Securities Amortized Cost …	53	47	-	-	-	48	-	-	-	-	-	-
Debt Securities Available For Sale Allowance For C…	0	0	-	-	-	-	-	-	-	-	-	-

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Custom Table

10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2024	-0.44%	-1.25%	-4.92%	-	-	-	-	-	-	-	-	-
2023	1.38%	3.55%	3.88%	-5.10%	-4.83%	-5.73%	9.15%	10.44%	12.31%	-3.46%	-3.52%	-4.02%
2022	7.49%	7.97%	10.68%	0.86%	3.01%	7.26%	-0.23%	-0.99%	6.98%	-7.02%	-4.41%	-4.95%
2021	-	-	-	5.37%	12.05%	11.97%	-0.60%	0.00%	1.20%	-1.81%	-7.83%	-3.62%
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Performance and Valuation Metrics

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Metrics	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30
Leverage & Debt
Interest Coverage TTM	0.99	1.05	1.07	1.37	1.81	2.80	5.38	5.50	4.92	4.40	-	-
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	7,149.52	7,219.66	7,378.65	7,055.10	7,219.24	-	-
Receivables Turnover TTM	-	-	-	-	-	0.05	0.05	0.05	0.05	0.05	-	-
Per Share Metrics
Diluted EPS TTM	-0.01	0.06	0.03	0.19	0.28	0.36	0.55	0.53	0.52	0.60	-	-
Free Cash Flow Per Share TTM	-0.12	0.40	0.47	0.56	1.38	0.84	1.03	1.12	0.65	0.87	-	-
Dividend Per Share TTM	0.05	0.05	0.05	0.05	0.05	0.00	0.00	0.00	0.00	0.00	-	-
Margin Metrics
Gross Profit Margin TTM	62.31%	66.89%	72.44%	79.25%	85.44%	91.15%	94.46%	94.56%	93.61%	92.44%	-	-
Operating Profit Margin TTM	-0.25%	1.80%	1.85%	7.61%	11.74%	15.89%	24.27%	24.48%	25.08%	25.72%	-	-
Net Profit Margin TTM	-0.20%	1.28%	0.77%	5.15%	8.29%	11.49%	18.50%	18.64%	19.09%	19.61%	-	-
Growth Metrics
Net Revenue Growth (1Y)	30.42%	35.82%	33.94%	32.24%	25.15%	13.84%	-	-	-	-	-	-
Net Income Growth (1Y)	-103.15%	-84.90%	-94.40%	-63.45%	-45.69%	-33.33%	-	-	-	-	-	-
EPS Growth (1Y)	-103.59%	-84.59%	-94.24%	-63.23%	-46.52%	-40.28%	-	-	-	-	-	-
Calculated Values
Free Cash Flow TTM	-512.44K	1.91M	2.21M	2.75M	6.88M	4.12M	5.03M	5.47M	3.17M	3.80M	-	-
Net Debt	-23.83M	-25.04M	-17.22M	-20.17M	-26.63M	-25.55M	-23.73M	-58.46M	-53.42M	-41.89M	-48.24M	-89.32M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-08-29Purchase

Owner: Mclean, Scott Charles

Title: EVP-CHIEF FINANCIAL OFFICER

Shares: 1,453

Price/Share: $15.65

Value: $22,739.45

Shares Owned: 10,019

Relationship: Officer

Ownership: Direct

2024-08-22Sale

Owner: Brown, George Matthew

Title: -

Shares: 2,000

Price/Share: $15.51

Value: $31,020.00

Shares Owned: 12,570

Relationship: Director

Ownership: Direct

2023-11-27Purchase

Owner: Bryant, Joshua Travis

Title: -

Shares: 5,000

Price/Share: $13.00

Value: $65,000.00

Shares Owned: 33,610

Relationship: Director

Ownership: Direct

2023-11-24Purchase

Owner: Tillman, Stephanie B

Title: -

Shares: 2,000

Price/Share: $13.00

Value: $26,000.00

Shares Owned: 20,570

Relationship: Director

Ownership: Direct

2023-11-21Purchase

Owner: Desantis, Peter

Title: -

Shares: 1,000

Price/Share: $13.00

Value: $13,000.00

Shares Owned: 22,570

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-08-29	Mclean, Scott Charles	Officer	EVP-CHIEF FINANCIAL OFFICER	Direct	Purchase	1,453	15.65	$22,739.45	10,019	4
2024-08-22	Brown, George Matthew	Director	-	Direct	Sale	2,000	15.51	$31,020.00	12,570	4
2023-11-27	Bryant, Joshua Travis	Director	-	Direct	Purchase	5,000	13.00	$65,000.00	33,610	4
2023-11-24	Tillman, Stephanie B	Director	-	Direct	Purchase	2,000	13.00	$26,000.00	20,570	4
2023-11-21	Desantis, Peter	Director	-	Direct	Purchase	1,000	13.00	$13,000.00	22,570	4
2023-11-16	Mclean, Scott Charles	Officer	EVP-CHIEF FINANCIAL OFFICER	Direct	Purchase	519	12.75	$6,617.25	519	4
2023-06-06	Johnson, Jefferson	Director	-	Direct	Purchase	2,100	14.25	$29,925.00	13,670	4
2023-06-05	Bryant, Joshua Travis	Director	-	Direct	Purchase	2,394	14.35	$34,353.90	28,610	4
2023-06-05	Rumble, Fortson	Director	-	Direct	Purchase	3,463	14.43	$49,971.09	12,033	4
2023-06-02	Dixon, Charles	Director	-	Direct	Purchase	3,590	13.95	$50,080.50	22,160	4
2023-06-01	Bryant, Joshua Travis	Director	-	Direct	Purchase	40	13.50	$540.00	23,610	4
2022-03-02	Desantis, Peter	Director	-	Direct	Purchase	1,500	13.70	$20,550.00	13,000	4
2022-03-01	Brown, George Matthew	Director	-	Direct	Purchase	1,598	13.75	$21,972.50	6,000	4
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Institutional Ownership

No data available for chart

2024-06-30

11.16%

Inst. Shares: 486,768

Shares Outstanding: 4,361,088

2024-03-31

13.68%

Inst. Shares: 596,493

Shares Outstanding: 4,361,088

2023-12-31

14.17%

Inst. Shares: 677,859

Shares Outstanding: 4,783,618

2023-09-30

14.29%

Inst. Shares: 675,731

Shares Outstanding: 4,730,279

2023-06-30

13.00%

Inst. Shares: 632,683

Shares Outstanding: 4,868,599

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2024-06-30	486,768	4,361,088	11.16%
2024-03-31	596,493	4,361,088	13.68%
2023-12-31	677,859	4,783,618	14.17%
2023-09-30	675,731	4,730,279	14.29%
2023-06-30	632,683	4,868,599	13.00%
2023-03-31	654,418	4,974,200	13.16%
2022-12-31	567,817	4,880,723	11.63%
2022-09-30	633,978	4,870,692	13.02%
2022-06-30	562,430	4,898,350	11.48%
2022-03-31	572,287	4,898,350	11.68%
2021-12-31	575,181	4,371,646	13.16%
2021-09-30	519,787	3,844,941	13.52%
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TC Bancshares, Inc. (TCBC) — SEC Financial Statements & Analysis

TC Bancshares, Inc. (TCBC) is a savings institution, federally chartered company, incorporated in GA. TC Bancshares, Inc. trades on OTC as: TCBC. Based on its latest SEC filing (Form 10-Q, period ending 2024-03-31), TC Bancshares, Inc. reported a 30.42% year-over-year revenue growth, a Gross Profit Margin of 62.31% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 30.42%
Gross Profit Margin TTM: 62.31%

Data as of 2024-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is TC Bancshares, Inc. in?

TC Bancshares, Inc. (TCBC) operates in the Savings Institution, Federally Chartered industry.

What exchange does TCBC trade on?

TC Bancshares, Inc. (TCBC) trades on the OTC.

Where is TC Bancshares, Inc. incorporated?

TC Bancshares, Inc. is incorporated in GA.