Town and Country Financial Corporation TWCF OTC

Town and Country Financial Corporation (TWCF) has shown declining revenue growth over the past 3 years, expanding from $16M to $14M (average -5.6%/yr). Net income reached $2M, reflecting earnings decline at -2.8%/yr on average. The net profit margin is 17.9%, which is high. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 100% (high), with a +0pp trend over the period. With a market cap data available and MOAT composite score of 46/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (15/100, Fail) — revenue or earnings are not growing
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 5-year history, the company was profitable in 5 of 5 years — a perfect long-term track record
• INCOME (70/100, Pass) — proves strong profitability and pricing power
• MOAT (46/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 45/100 with 2/6 criteria passed.