Company Encyclopedia
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TC Bancshares
TCBC.US
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.
665.44 B
TCBC.USMarket value -Rank by Market Cap -/-

Financial Score

13/12/2025 Update
C
Regional BanksIndustry
Industry Ranking0/306
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE2.09%C
    • Profit Margin9.29%B
    • Gross Margin0.00%E
  • Growth ScoreB
    • Revenue YoY20.51%B
    • Net Profit YoY1204.69%A
    • Total Assets YoY0.00%C
    • Net Assets YoY-2.09%D
  • Cash ScoreB
    • Cash Flow Margin1076.57%B
    • OCF YoY20.51%B
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    TC Bancshares (TCBC) Q3: Rich 92.9x P/E Tests Confidence in Earnings Rebound

    TC Bancshares (TCBC) reported Q3 2025 revenue of $4.9 million and net income of $0.33 million, with EPS rising to $0.08. Despite a strong recent earnings rebound, the company's P/E ratio of 92.9x is significantly higher than industry averages, raising concerns about valuation sustainability. While profitability metrics have improved, the long-term earnings decline and shareholder dilution pose challenges to justifying the high valuation.

    Simplywall·
    US
    TCBC
    0.00%
    Simplywall·
    US
    TCBC
    0.00%

    Colony Bankcorp Completes Merger With TC Bancshares

    Colony Bankcorp, Inc. has completed its merger with TC Bancshares, Inc., effective December 1, 2025. TC Federal Bank customers will continue using current services until the transition to Colony Bank is finalized in early 2026. Detailed conversion information will be provided to customers. This news was generated by Public Technologies using AI and is for informational purposes only.

    Reuters·
    US
    TCBC
    0.00%
    US
    CBAN
    +0.33%
    Reuters·
    US
    TCBC
    0.00%
    US
    CBAN
    +0.33%

    Colony Bankcorp and TC Bancshares Secure Shareholder and Regulatory Approvals for Merger

    Colony Bankcorp, Inc. and TC Bancshares, Inc. have received regulatory and shareholder approvals for their merger, initially announced on July 23, 2025. The merger is expected to close around December 1, 2025, creating a combined entity with $3.8 billion in assets. Customers will continue using current services until systems conversion is complete. This information was originally published by Colony Bankcorp Inc. via Business Wire.

    Reuters·
    US
    CBAN
    +0.33%
    US
    TCBC
    0.00%
    Reuters·
    US
    CBAN
    +0.33%
    US
    TCBC
    0.00%

    TC Bancshares, Inc. (NASDAQ:TCBC) Sees Significant Decline in Short Interest

    TC Bancshares, Inc. (NASDAQ:TCBC) experienced a significant decline in short interest, dropping 50% from 2,000 shares on August 15 to 1,000 shares by August 31. Currently, 0.0% of the company's shares are short sold, with a days-to-cover ratio of 0.0 days based on an average trading volume of 42,300 shares. The stock opened at $20.61, with a 52-week range of $14.87 to $20.72. Additionally, the company recently paid a $0.05 dividend, yielding 63.0%.

    Market Beat·
    US
    TCBC
    0.00%
    Market Beat·
    US
    TCBC
    0.00%

    Short Interest in TC Bancshares, Inc. (NASDAQ:TCBC) Decreases By 35.5%

    TC Bancshares, Inc. (NASDAQ:TCBC) experienced a significant decrease in short interest, dropping 35.5% from 3,100 shares on July 31 to 2,000 shares by August 15. With an average daily trading volume of 43,400 shares, the days-to-cover ratio is currently 0.0 days. The stock opened at $20.25, down 0.4%, with a one-year range of $14.87 to $20.46. Additionally, a dividend of $0.05 was recently paid to shareholders.

    Market Beat·
    US
    TCBC
    0.00%
    Market Beat·
    US
    TCBC
    0.00%
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