Touchmark Bancshares AI Stock Analysis
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Touchmark Bancshares (TMAK) AI Stock Analysis
Touchmark Bancshares
(Other OTC:TMAK)
The score is primarily supported by a very conservative, low-debt balance sheet and cash flows that closely back reported earnings. Offsetting that, profitability has weakened meaningfully (revenue down and margins/ROE compressed), and while the trend is technically strong, momentum is overbought. Valuation is also a headwind given the higher P/E, partly mitigated by the ~5% dividend yield.
Touchmark Bancshares (TMAK) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $61.10M
- Dividend Yield
- 4.87%
- Average Volume (3M)
- 2,016
- Price to Earnings (P/E)
- 28.4
- Beta (1Y)
- 0.05
- Revenue Growth
- -3.19%
- EPS Growth
- 51.70%
- Country
- US
- Employees
- 106
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, sa...
Touchmark Bancshares Financial Statement Overview
Summary
Strong financial footing overall: the balance sheet is conservatively positioned with essentially no debt and stable equity, and free cash flow closely tracks net income (high earnings quality). The main drag is the income statement trend—revenue fell 17.3% in 2025 and margins/returns compressed materially versus 2021–2023, with ROE down to ~3.0% in 2025.
Income Statement
54NeutralBalance Sheet
82Very PositiveCash Flow
76Positive| 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 | 219.56K | 0 | 75.97K | 160.70K | 0 |
| 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 | 7.52M | 8.86M | 14.18M | 7.50M | 6.95M |
| Operating Cash Flow | 0 | 7.64M | 8.88M | 14.22M | 7.55M | 6.97M |
| Investing Cash Flow | 0 | 25.53M | 71.82M | -188.76M | 79.31M | 6.63M |
| Financing Cash Flow | 0 | -33.75M | -79.86M | 173.19M | -86.38M | -13.53M |
Touchmark Bancshares Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TMAK, the sentiment is Positive. The current price of 12.85 is above the 20-day moving average (MA) of 11.79, above the 50-day MA of 11.42, and above the 200-day MA of 10.21, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 67.28 is Neutral, neither overbought nor oversold. The STOCH value of 69.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TMAK.
Touchmark Bancshares Peers Comparison
Overall Rating
OPHC83Outperform- TMAK66Neutral
TCBS65Neutral
HFBL64Neutral
BAFN52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $112.72M | 5.24 | 16.39% | ― | 24.01% | 20.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TMAK | 66Neutral | $57.52M | 28.38 | 2.99% | 4.87% | -3.19% | 51.70% |
| TCBS | 65Neutral | $49.55M | 15.04 | 5.83% | 1.44% | 2.23% | 33.79% |
| HFBL | 64Neutral | $72.64M | 11.21 | 11.12% | 2.37% | 7.94% | 43.98% |
| BAFN | 52Neutral | $189.38M | -0.59 | -42.56% | ― | -40.59% | -260.04% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TMAK | Touchmark Bancshares | 12.85 | 3.53 | 37.80% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 24.00 | 8.78 | 57.73% | |
| OPHC | Optimumbank | 9.07 | 4.87 | 115.95% | |
| BAFN | BayFirst Financial Corp | 6.06 | -2.29 | -27.43% | |
| TCBS | Texas Community Bancshares, Inc. | 17.39 | 1.62 | 10.30% |
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.
Date of analysis: Nov 04, 2026