TRCY Stock Overview

Through its subsidiary, Tri City National Bank, provides various banking products and services in Southeastern Wisconsin. More details

TRCY fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 55.2% below our estimate of its fair value

Earnings grew by 50.3% over the past year

Pays a high and reliable dividend of 5.06%

Risk Analysis

Earnings have declined by 14.5% per year over past 5 years

My Notes

Capture your thoughts, links and company narrative

Tri City Bankshares Corporation Competitors

North Dallas Bank & Trust

OTCPK:NODB

US$122.0m

Pacific Financial

OTCPK:PFLC

US$126.2m

QNB

OTCPK:QNBC

US$125.3m

Eagle Bancorp Montana

NasdaqGM:EBMT

US$122.7m

Price History & Performance

Summary of share price highs, lows and changes for Tri City Bankshares
Historical stock prices
Current Share Price	US$14.24
52 Week High	US$14.50
52 Week Low	US$10.11
Beta	0.43
1 Month Change	2.72%
3 Month Change	5.87%
1 Year Change	5.87%
3 Year Change	-32.67%
5 Year Change	-27.94%
Change since IPO	70.88%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	TRCY	US Banks	US Market
7D	2.4%	-3.5%	-2.7%
1Y	5.9%	29.1%	23.4%

Return vs Industry: TRCY underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: TRCY underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is TRCY's price volatile compared to industry and market?
TRCY volatility
TRCY Average Weekly Movement	1.6%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: TRCY has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: TRCY's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1963	n/a	Brian McGarry	tcnb.com

Tri City Bankshares Corporation, through its subsidiary, Tri City National Bank, provides various banking products and services in Southeastern Wisconsin. The company offers checking and savings accounts; money market accounts; health savings and individual retirement accounts; certificates of deposit; and investment products and services comprising financial reviews, retirement planning, IRAs, rollovers, transfers, fee-based advisory options, mutual funds, education planning, insurance-related products, bonds, stocks, and annuities. Its loan products include home equity loans, auto and home loans, construction and land loans, personal and business loans, commercial real estate loans, business lines of credit, and small business loans.

Tri City Bankshares Corporation Fundamentals Summary

How do Tri City Bankshares's earnings and revenue compare to its market cap?
TRCY fundamental statistics
Market cap	US$126.81m
Earnings (TTM)	US$12.32m
Revenue (TTM)	US$69.22m

10.3x

P/E Ratio

0.8x

P/B Ratio

Is TRCY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TRCY income statement (TTM)
Revenue	US$69.22m
Cost of Revenue	US$0
Gross Profit	US$69.22m
Other Expenses	US$56.90m
Earnings	US$12.32m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.38
Gross Margin	100.00%
Net Profit Margin	17.79%
Debt/Equity Ratio	92.6%

How did TRCY perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

52%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 08:27
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Tri City Bankshares Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution