TC Bancshares, Inc.

TC Bancshares, Inc.

TCBC
TC Bancshares, Inc.US flagOther OTC
21.65
USD
- -
- -
90.49MMarket Cap
TC Bancshares, Inc.
TCBC
(Other OTC)

Recent

price

21.65

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
TTM
FRC
1.72
2.05
3.52
3.26
3.15
3.17
Revenue per Share
0.19
0.05
0.6
0.36
0.06
-0.01
Basic EPS, GAAP
-0.11
-0.18
0.87
0.84
0.4
-0.11
Free Cash Flow per Basic Share
- -
- -
- -
0.1
0.1
0.1
Dividend per Share
6.7
6.75
10.22
9.41
8.97
9.11
Book Value per Share
6.4
6.41
19.86
17.47
16.65
16.73
Tangible Book Value per Share
6
6
4
5
5
5
Basic Weighted Avg Shares
11
13
15
16
15
15
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
1
1
1
Depreciation Expense
1
- -
3
2
- -
- -
Net Income, GAAP
23.29
11.44
23.76
27.73
28.93
34.27
Effective Tax Rate (%)
11.27
2.41
17.15
11.06
1.76
-0.3
Profit Margin (%)
- -
- -
- -
- -
- -
- -
Working Capital
3
10
- -
11
13
13
LT Debt
40
40
87
85
80
78
Total Equity
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
0.74
6.1
3.89
0.6
-0.1
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'23
Dec'23
Mar'24
ST Debt
- -
- -
- -
LT Borrowings
5
11
11
LT Finance Leases
2
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
66
67
64

Working Capital

FRC

in mil. unless spec.
Sep'23
Dec'23
Mar'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
60
68
73
Accounts Receivable, Net
6
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
-6.62%
Free Cash Flow
- -
- -
-53.69%
Net Income, GAAP
- -
- -
-84.9%
Sales/Revenue/Turnover
- -
- -
-5.37%
Total Cash Common Dividend
- -
- -
-6.9%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
4
4
4
4
15
2024
4
4
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.07
0.03
-0.02
- -
0.06
2024
0.01
0.11
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.05
- -
- -
- -
0.1
2024
0.05
- -
- -
- -
- -
Business
TC Bancshares, Inc. (OTCQX: TCBC) operates as the holding company for TC Federal Bank, a community-focused federal savings bank providing retail and commercial banking services to individuals, businesses, and professionals in north Florida and south Georgia; core offerings include deposit products such as checking, savings, and certificates of deposit; consumer and commercial loans encompassing mortgages, auto loans, personal loans, real estate financing, equipment financing, and lines of credit; treasury management services featuring online and mobile banking, cash management, remote deposit capture, merchant services, business banking cards, electronic services, ATM access, and wire transfers; and wealth management solutions including financial planning, investment management, and trust services. Founded in 1934 and headquartered at 131 South Dawson Street in Thomasville, Georgia, the company maintains branch operations serving communities in Thomasville, Tallahassee, Jacksonville, and Savannah, with total assets reaching approximately $1.34 billion as of late 2024. In a major strategic development, TC Bancshares completed its merger with Colony Bankcorp, Inc. in December 2025 for approximately $86.1 million in cash and stock, creating a combined entity with roughly $3.8 billion in assets, $3.1 billion in deposits, and $2.4 billion in loans positioned as a leading Southeast community bank; the transaction, initially announced in July 2025, followed regulatory and shareholder approvals and marks significant expansion while enhancing operational scale and earnings potential.

Company News

APIChatGPT
  • TC Bancshares (NASDAQ:TCBC) Stock Price Down 0.1% – Here’s What Happened

  • Colony Bankcorp, Inc. and TC Bancshares, Inc. Announce Regulatory and Shareholder Approvals Received for Merger

  • TC BANCSHARES INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of TC Bancshares, Inc. - TCBC

  • TC BANCSHARES INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of TC Bancshares, Inc. - TCBC

  • KBRA Comments on Colony Bankcorp, Inc.'s Proposed Acquisition of TC Bancshares, Inc.

  • $HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of TC Bancshares, Inc. (OTCMKTS: TCBC)

  • Colony Bankcorp, Inc. and TC Bancshares, Inc. Announce Signing of Definitive Merger Agreement to Create a Stronger Franchise in Key Georgia and Florida Markets

  • TC Bancshares, Inc. Announces Adoption of Repurchase Plan

  • TC Bancshares: A New Small-Cap Bank With Strong Exposure To Residential Real Estate