Critical Contrast: Kearny Financial (NASDAQ:KRNY) & TC Bancshares (NASDAQ:TCBC)

Kearny Financial (NASDAQ:KRNY – Get Rating) and TC Bancshares (NASDAQ:TCBC – Get Rating) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, dividends, risk, earnings, analyst recommendations, valuation and profitability.

Analyst Ratings

This is a breakdown of recent recommendations for Kearny Financial and TC Bancshares, as reported by MarketBeat.com.

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Kearny Financial currently has a consensus target price of $10.67, indicating a potential upside of 43.95%. Given Kearny Financial’s higher possible upside, equities analysts clearly believe Kearny Financial is more favorable than TC Bancshares.

Institutional & Insider Ownership

65.4% of Kearny Financial shares are held by institutional investors. Comparatively, 15.9% of TC Bancshares shares are held by institutional investors. 7.6% of Kearny Financial shares are held by company insiders. Comparatively, 2.6% of TC Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Volatility & Risk

Kearny Financial has a beta of 0.59, meaning that its share price is 41% less volatile than the S&P 500. Comparatively, TC Bancshares has a beta of 0.02, meaning that its share price is 98% less volatile than the S&P 500.

Valuation and Earnings

This table compares Kearny Financial and TC Bancshares’ top-line revenue, earnings per share (EPS) and valuation.

Kearny Financial has higher revenue and earnings than TC Bancshares.

Dividends

Kearny Financial pays an annual dividend of $0.44 per share and has a dividend yield of 5.9%. TC Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.7%. Kearny Financial pays out 72.1% of its earnings in the form of a dividend.

Profitability

This table compares Kearny Financial and TC Bancshares’ net margins, return on equity and return on assets.

Summary

Kearny Financial beats TC Bancshares on 11 of the 13 factors compared between the two stocks.

About Kearny Financial

(Get Rating)

Kearny Financial Corp. operates as a holding company, which engages in the ownership and operation of Kearny Bank. Its services include deposits from the general public in New Jersey. The firm uses deposits, together with other funds, to originate or purchase loans for its portfolio and invest in securities. It offers both personal and business services. The company was founded in 1884 and is headquartered in Fairfield, NJ.

About TC Bancshares

(Get Rating)

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 one branch in Thomasville, Georgia, and one in Tallahassee, Florida, as well as loan production offices in Tallahassee, Florida and Savannah, Georgia. The company was founded in 1934 and is based in Thomasville, Georgia.

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