ScoreWhy is TC Bancshares, Inc. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of -0.50%
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 15.92%
2
The company has declared Positive results for the last 3 consecutive quarters
- NII(Q) Highest at USD 4.39 MM
- ROCE(HY) Highest at 0.31%
- NET SALES(Q) Highest at USD 7.44 MM
3
With ROA of 0.16%, it has a fair valuation with a 0.97 Price to Book Value
- Over the past year, while the stock has generated a return of 22.53%, its profits have risen by 106% ; the PEG ratio of the company is 0
4
Majority shareholders : Mutual Funds
5
Market Beating Performance
- The stock has generated a return of 22.53% in the last 1 year, much higher than market (S&P 500) returns of 12.33%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to TC Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is TC Bancshares, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
TC Bancshares, Inc.
24.43%
2.19
26.46%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
96.68%
EBIT Growth (5y)
18.80%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
71.53%
Pledged Shares
0
Institutional Holding
14.40%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
72
Industry P/E
Price to Book Value
0.97
EV to EBIT
46.50
EV to EBITDA
46.50
EV to Capital Employed
0.96
EV to Sales
2.29
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
2.07%
ROE (Latest)
1.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend35What is working for the Company
NII(Q)
Highest at USD 4.39 MM
ROCE(HY)
Highest at 0.31%
NET SALES(Q)
Highest at USD 7.44 MM
OPERATING PROFIT(Q)
Highest at USD 0.83 MM
OPERATING PROFIT MARGIN(Q)
Highest at 11.16 %
PRE-TAX PROFIT(Q)
Highest at USD 0.83 MM
NET PROFIT(Q)
Highest at USD 0.63 MM
EPS(Q)
Highest at USD 0.16
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 0 MM
ROCE(HY)
Lowest at 0.31%
CREDIT DEPOSIT RATIO(HY)
Lowest at 88.3%
Here's what is working for TC Bancshares, Inc.
Pre-Tax Profit
At USD 0.83 MM has Grown at 1,368.15%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 0.63 MM has Grown at 1,312.92%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 4.39 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 7.44 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 0.83 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 11.16 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 0.83 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 0.63 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
EPS
Highest at USD 0.16
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for TC Bancshares, Inc.
Operating Cash Flow
Lowest at USD 0 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Lowest at 88.3% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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