Financial Review: TC Bancshares (NASDAQ:TCBC) vs. FFW (OTCMKTS:FFWC)

TC Bancshares (NASDAQ:TCBC) and FFW (OTCMKTS:FFWC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, risk, valuation, institutional ownership and dividends.

Profitability

This table compares TC Bancshares and FFW’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TC Bancshares	-0.19%	-0.05%	-0.01%
FFW	15.11%	N/A	N/A

Dividends

TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.7%. FFW pays an annual dividend of $1.16 per share and has a dividend yield of 3.3%. FFW pays out 30.3% of its earnings in the form of a dividend.

Analyst Recommendations

This is a summary of current recommendations and price targets for TC Bancshares and FFW, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TC Bancshares	0	0	0	0	N/A
FFW	0	0	0	0	N/A

Earnings & Valuation

This table compares TC Bancshares and FFW’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TC Bancshares	$21.97 million	2.64	$270,000.00	N/A	N/A
FFW	$25.63 million	1.53	$5.70 million	$3.83	9.07

FFW has higher revenue and earnings than TC Bancshares.

Volatility and Risk

TC Bancshares has a beta of 0.05, suggesting that its stock price is 95% less volatile than the S&P 500. Comparatively, FFW has a beta of 0.06, suggesting that its stock price is 94% less volatile than the S&P 500.

Insider and Institutional Ownership

23.6% of TC Bancshares shares are held by institutional investors. 9.6% of TC Bancshares shares are held by company insiders. Comparatively, 17.0% of FFW shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

FFW beats TC Bancshares on 8 of the 11 factors compared between the two stocks.

About TC Bancshares

TC Bancshares, Inc. operates as the holding company for TC Federal Bank that provides various banking services for individual and commercial customers in 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. It operates branches in Thomasville, Georgia and Tallahassee, Florida, as well as loan production offices in Savannah, Georgia, and Jacksonville, Florida. The company was founded in 1934 and is based in Thomasville, Georgia.

About FFW

FFW Corporation operates as the bank holding company for Crossroads Bank that provides various banking products and services. The company offers checking and savings accounts, overdraft protection, consumer credit cards, and reorder checks. Its loan products include home equity, auto, RV, boat, motorcycle, and personal loans; mortgage loans; agricultural loans; commercial real estate equipment financing; revolving lines of credit and standby letters of credit; and equipment leasing, as well as commercial lending services. The company offers insurance products, such as auto, home and property, business, life and health, and specialty insurance; investment products and securities; and digital banking services. FFW Corporation was founded in 1920 and is based in Wabash, Indiana.