TBC Bank Group PLC (TBCCF)
ValueMarkers Composite Index
91% below intrinsic value ($231)
TBC Bank Group PLC (TBCCF) — VMCI valuation read
TBCCF screens at VMCI 65/100, a 15-point gap above the Financial Services sector median (50). For a mid-cap TBC Bank Group PLC share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.
TBCCF has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.
**Investor frame.** Value: TBCCF trades at 14.0x earnings, 22% below the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%), the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of 0.1x leaves covenant headroom, which sets the rate-cycle exposure for TBC Bank Group PLC.
TBCCF fell 3.6% over the trailing 7 days, with a -15.4% read on a 30-day basis.
TBC Bank Group PLC, through its subsidiaries, provides banking, leasing, brokerage, and card processing services to corporate and individual customers in Georgia, Azerbaijan, and Uzbekistan. The company operates through Retail; Corporate; and Micro, Small and Medium Enterprises segments. It offers various current/settlement accounts, and term deposits; mortgage, consumer, retail, and corporate loans, as well as loans for micro, small, and medium enterprises; credit cards, credit lines, letters of credit, and guarantees; and money transfer and currency exchange services. The company also provides motor, life and personal accident, property, health, and other insurance products; investment, brokerage, and corporate finance solutions; and card processing, leasing, PR and marketing, real estate management, asset management, food and beverage, risk monitoring, education, computer and software, e-commerce, and postal services, as well as internet and mobile banking services. The company operates through a network of 147 branches; 1,600 automated teller machines; 26,000 active merchant terminals; and 4,200 self-service terminals. TBC Bank Group PLC was founded in 1992 and is based in Tbilisi, Georgia.
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