TC Bancshares Past Earnings Performance
Past criteria checks 1/6
TC Bancshares's earnings have been declining at an average annual rate of -7.8%, while the Banks industry saw earnings growing at 10.4% annually. Revenues have been growing at an average rate of 6.4% per year. TC Bancshares's return on equity is 0.3%, and it has net margins of 1.8%.
Key information
-7.8%
Earnings growth rate
-84.6%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 6.4% |
| Return on equity | 0.3% |
| Net Margin | 1.8% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Revenue & Expenses BreakdownBeta
How TC Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 15 | 0 | 10 | 0 |
| 30 Sep 23 | 16 | 0 | 10 | 0 |
| 30 Jun 23 | 16 | 1 | 10 | 0 |
| 31 Mar 23 | 16 | 1 | 10 | 0 |
| 31 Dec 22 | 16 | 2 | 9 | 0 |
| 30 Sep 22 | 16 | 1 | 9 | 0 |
| 30 Jun 22 | 16 | 1 | 8 | 0 |
| 31 Mar 22 | 15 | 1 | 9 | 0 |
| 31 Dec 21 | 15 | 1 | 9 | 0 |
| 30 Sep 21 | 15 | 1 | 9 | 0 |
| 30 Jun 21 | 14 | 1 | 9 | 0 |
| 31 Mar 21 | 13 | 1 | 9 | 0 |
| 31 Dec 20 | 12 | 0 | 9 | 0 |
| 31 Dec 19 | 11 | 1 | 6 | 0 |
Quality Earnings: TCBC has high quality earnings.
Growing Profit Margin: TCBC's current net profit margins (1.8%) are lower than last year (11.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: TCBC's earnings have declined by 7.8% per year over the past 5 years.
Accelerating Growth: TCBC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: TCBC had negative earnings growth (-84.9%) over the past year, making it difficult to compare to the Banks industry average (-9.2%).
Return on Equity
High ROE: TCBC's Return on Equity (0.3%) is considered low.