Is TC Bancshares, Inc. overvalued or undervalued?

As of 25 July 2025, TC Bancshares, Inc. has moved from a fair to an expensive valuation grade. The company is currently overvalued, as indicated by its high P/E ratio of 72, which significantly exceeds the industry average, and an EV to EBITDA ratio of 46.50. Additionally, the PEG ratio stands at a remarkably low 0.03, suggesting that the stock is not only expensive but also lacks growth potential relative to its price.
In comparison to peers, First Capital, Inc. is rated attractive with a P/E of 12.46, while CF Bankshares, Inc. is considered fair with a P/E of 10.00. This highlights TC Bancshares' relative overvaluation in the market. Despite its strong recent performance, with a year-to-date return of 24.46% compared to the S&P 500's 12.22%, the high valuation metrics suggest that investors may be overestimating its future growth prospects.