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Touchmark Bancshares
(OTC:TMAK)
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Rating:73Outperform
Price Target:
$12.50
▲(26.26% Upside)
Action:Upgraded
Date:08/04/26
The score is supported primarily by financial stability (debt-free balance sheet) and solid cash flow quality, alongside constructive technical momentum (price above key moving averages with positive MACD). Offsetting these strengths are a weakened earnings/revenue trajectory and a relatively high P/E for a business with declining profitability, partially balanced by a strong dividend yield.
Positive Factors
Debt-Free Balance Sheet
Zero total debt in 2024–2025 and stable equity near $71M give the bank a strong capital foundation. This reduces balance-sheet financing risk and preserves flexibility to absorb credit stress or fund lending opportunities over the next several quarters.
Negative Factors
Revenue Contraction
Annual revenue fell 17.3% in 2025 after only modest growth in 2024, showing that the bank's earning base has lost momentum. If weaker loan demand, spreads, or fees persist, slower top-line growth can constrain operating leverage and future profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-Free Balance Sheet
Zero total debt in 2024–2025 and stable equity near $71M give the bank a strong capital foundation. This reduces balance-sheet financing risk and preserves flexibility to absorb credit stress or fund lending opportunities over the next several quarters.
Read all positive factors
Touchmark Bancshares (TMAK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$48.79M
Dividend Yield5.68%
Average Volume (3M)211.00
Price to Earnings (P/E)25.5
Beta (1Y)0.17
Revenue Growth-22.54%
EPS Growth-17.77%
CountryUS
Employees106
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
Shares Outstanding4,475,891
10 Day Avg. Volume633
30 Day Avg. Volume211
Financial Highlights & Ratios
PEG Ratio-0.49
Price to Book (P/B)0.63
Price to Sales (P/S)1.84
P/FCF Ratio5.96
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Touchmark Bancshares Business Overview & Revenue Model
Company Description
Touchmark Bancshares, Inc. operates as the bank holding company for Touchmark National Bank that provides various banking products and services to individuals and businesses in Georgia. The company accepts checking accounts, money market accounts,...
How the Company Makes Money
Touchmark Bancshares makes money primarily through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets (such as c...
Touchmark Bancshares Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
82
Very Positive
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.64M | 24.31M | 34.80M | 30.43M | 17.20M | 21.22M |
| Gross Profit | 9.71M | 9.74M | 15.45M | 16.53M | 14.90M | 18.95M |
| EBITDA | 1.90M | 8.01M | 9.64M | 14.01M | 9.73M | 12.99M |
| Net Income | 1.51M | 2.15M | 3.74M | 7.99M | 5.87M | 8.32M |
Balance Sheet | ||||||
| Total Assets | 410.20M | 417.64M | 450.29M | 527.53M | 340.23M | 421.73M |
| Cash, Cash Equivalents and Short-Term Investments | 444.00K | 65.65M | 42.59M | 47.84M | 24.11M | 105.21M |
| Total Debt | 0.00 | 219.56K | 0.00 | 75.97K | 160.70K | 0.00 |
| Total Liabilities | 339.25M | 346.72M | 378.88M | 456.98M | 274.73M | 358.55M |
| Stockholders Equity | 70.95M | 70.92M | 71.41M | 70.55M | 65.50M | 63.18M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.52M | 8.86M | 14.18M | 7.50M | 6.95M |
| Operating Cash Flow | 0.00 | 7.64M | 8.88M | 14.22M | 7.55M | 6.97M |
| Investing Cash Flow | 0.00 | 25.53M | 71.82M | -188.76M | 79.31M | 6.63M |
| Financing Cash Flow | 0.00 | -33.75M | -79.86M | 173.19M | -86.38M | -13.53M |
Touchmark Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $116.63M | 5.05 | 16.39% | ― | 24.01% | 20.16% | |
79 Outperform | $78.85M | 12.50 | 10.69% | 2.53% | 7.71% | 60.72% | |
73 Outperform | $48.79M | 25.52 | 2.64% | 6.32% | -22.54% | -17.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $49.73M | 14.43 | 5.66% | 1.30% | 5.94% | 51.02% | |
55 Neutral | $196.56M | -0.45 | -63.67% | 1.33% | -35.76% | -909.39% |
* Financial Sector Average
TMAK
Touchmark Bancshares
11.00
1.57
16.71%
HFBL
Home Federal Bancorp Of Louisiana
25.50
12.51
96.26%
OPHC
Optimumbank Holdings
8.74
4.44
103.26%
BAFN
BayFirst Financial Corp
6.74
-2.70
-28.65%
TCBS
Texas Community
17.32
1.25
7.77%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.