TC Bancshares (TCBC) Competitors

TC Bancshares (NASDAQ:TCBC) and Norwood Financial (NASDAQ:NWFL) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, community ranking, institutional ownership, valuation, profitability, analyst recommendations, earnings, media sentiment and risk.

Which has more volatility and risk, TCBC or NWFL?

TC Bancshares has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500. Comparatively, Norwood Financial has a beta of 0.69, indicating that its stock price is 31% less volatile than the S&P 500.

Is TCBC or NWFL more profitable?

TC Bancshares has a net margin of 0.00% compared to Norwood Financial's net margin of -0.16%. Norwood Financial's return on equity of 8.38% beat TC Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
TC Bancshares	N/A	N/A	N/A
Norwood Financial	-0.16%	8.38%	0.69%

Does the media favor TCBC or NWFL?

In the previous week, TC Bancshares had 1 more articles in the media than Norwood Financial. MarketBeat recorded 2 mentions for TC Bancshares and 1 mentions for Norwood Financial. Norwood Financial's average media sentiment score of 1.67 beat TC Bancshares' score of 0.34 indicating that Norwood Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
TC Bancshares	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Norwood Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Do insiders & institutionals hold more shares of TCBC or NWFL?

23.6% of TC Bancshares shares are held by institutional investors. Comparatively, 28.1% of Norwood Financial shares are held by institutional investors. 9.6% of TC Bancshares shares are held by company insiders. Comparatively, 9.1% of Norwood Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Is TCBC or NWFL a better dividend stock?

TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.6%. Norwood Financial pays an annual dividend of $1.24 per share and has a dividend yield of 4.8%. Norwood Financial pays out 1,377.8% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. TC Bancshares has increased its dividend for 1 consecutive years and Norwood Financial has increased its dividend for 7 consecutive years. Norwood Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the MarketBeat Community prefer TCBC or NWFL?

Norwood Financial received 123 more outperform votes than TC Bancshares when rated by MarketBeat users. Likewise, 60.00% of users gave Norwood Financial an outperform vote while only 0.00% of users gave TC Bancshares an outperform vote.

Company	Underperform	Outperform
TC Bancshares	Outperform Votes No Votes	Underperform Votes 1 100.00%
Norwood Financial	Outperform Votes 123 60.00%	Underperform Votes 82 40.00%

Which has higher valuation & earnings, TCBC or NWFL?

TC Bancshares has higher earnings, but lower revenue than Norwood Financial.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TC Bancshares	$14.76M	4.23	$600K	N/A	N/A
Norwood Financial	$54.53M	4.36	-$160K	$0.09	285.33

Do analysts rate TCBC or NWFL?

Norwood Financial has a consensus target price of $28.17, suggesting a potential upside of 9.68%. Given Norwood Financial's stronger consensus rating and higher possible upside, analysts plainly believe Norwood Financial is more favorable than TC Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TC Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Norwood Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33

Summary

Norwood Financial beats TC Bancshares on 14 of the 19 factors compared between the two stocks.