Touchmark Bancshares, Inc. (TMAK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Touchmark Bancshares, Inc. (TMAK) trades at $11.00 with AI Score 44/100 (Grade C). Touchmark Bancshares, Inc. Market cap: $49.3M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for TMAK: TMAK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TMAK against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
TMAK: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Touchmark Bancshares, Inc. (TMAK) Financial Services Profile
Touchmark Bancshares, Inc. is a community-focused bank holding company operating in key Georgia counties, offering diverse financial products to individuals and businesses. With a local relationship-driven model, it provides traditional banking services, commercial lending, and digital solutions, aiming to serve its regional market.
What Is the Investment Thesis for TMAK?
Touchmark Bancshares, Inc. presents a community banking investment thesis centered on its established presence in growing Georgia counties and its diversified loan portfolio. With a market capitalization of $49.3M and a P/E ratio of 27.54, the company demonstrates profitability with a 6.7% profit margin and a 42.9% gross margin. The notable 6.99% dividend yield could appeal to income-focused investors, reflecting a commitment to shareholder returns. Key value drivers include its local relationship-based model, which fosters customer loyalty and organic growth within its Gwinnett, north Fulton, and DeKalb county markets. Growth catalysts may arise from continued economic development in its operating regions, potentially increasing demand for commercial real estate and SBA loans. However, the company's listing on the OTC Other tier introduces risks related to lower liquidity and transparency, alongside the inherent challenges of managing credit risk in a regional banking environment.
Based on FMP financials and quantitative analysis
TMAK Key Highlights
Market capitalization stands at $0.04 billion, indicating a small-cap company focused on regional operations.
- A P/E ratio of 27.54 suggests the market values its earnings, potentially reflecting growth expectations or stable profitability.
- Profit margin of 6.7% demonstrates the company's ability to convert revenue into net income, aligning with regional banking performance.
- Gross margin of 42.9% highlights efficient management of interest income and operating expenses relative to its revenue.
- The company offers a significant dividend yield of 6.99%, potentially attractive to income-oriented investors.
Who Are TMAK's Competitors?
TMAK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TMAK's Key Strengths?
Strong community focus and relationship-based banking model fostering customer loyalty.
- Diversified loan portfolio including commercial real estate and SBA loans.
- Established presence in economically active counties of Georgia (Gwinnett, north Fulton, DeKalb).
- Offers a comprehensive suite of banking products and services for individuals and businesses.
What Are TMAK's Weaknesses?
Small market capitalization ($0.04B) and limited geographic reach compared to larger banks.
- Listing on the OTC Other tier may imply lower liquidity and investor visibility.
- Reliance on local economic conditions in specific Georgia counties.
- Unknown disclosure status on the OTC market could raise transparency concerns.
What Could Drive TMAK Stock Higher?
TMAK catalyst: Potential for increased demand for commercial loans due to ongoing economic development in Gwinnett, north Fulton, and DeKalb counties, driving interest income growth.
- Continued focus on personalized community banking services, which can foster customer loyalty and stable deposit growth in its local markets.
- Any improvements in disclosure status or financial reporting on the OTC market, which could potentially enhance investor confidence and visibility.
- Strategic expansion of government-guaranteed lending programs, such as SBA loans, which can provide stable fee income and lower credit risk.
What Are the Key Risks for TMAK?
Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Significant liquidity risk due to trading on the OTC Other tier, potentially leading to wide bid-ask spreads and difficulty in executing trades.
- Lack of transparency stemming from an "Unknown" disclosure status, hindering investors' ability to assess financial health and operational performance.
- Exposure to credit risk within its loan portfolio, particularly commercial real estate and business loans, which are sensitive to local economic downturns.
- Intense competition from larger, better-resourced regional and national banks operating in its Georgia markets, potentially impacting market share and profitability.
- Sensitivity to interest rate fluctuations, which can impact the bank's net interest margin and overall profitability.
What Are the Growth Opportunities for TMAK?
- Expansion of Commercial Real Estate (CRE) Lending: With its focus on Gwinnett, north Fulton, and DeKalb counties, Touchmark Bancshares, Inc. can capitalize on local economic development and population growth. Expanding its CRE loan portfolio, particularly for multi-family, office, and retail projects, could drive significant interest income. The commercial real estate market in Georgia continues to see demand, offering a potential growth avenue for the next 3-5 years, especially in suburban growth corridors where the bank has established relationships.
- Enhancement of Digital Banking Services: Investing in advanced mobile banking, online account opening, and digital payment solutions can attract a younger demographic and improve customer convenience. A robust digital platform can expand the bank's reach beyond its physical branches, potentially increasing deposit acquisition and fee income. This strategy is critical for remaining competitive in the evolving banking landscape, with a continuous improvement timeline over the next 2-4 years to meet customer expectations.
- Strategic Focus on Small Business Administration (SBA) Loans: Given its existing government-guaranteed lending, deepening its expertise and marketing efforts for SBA loans can be a significant growth driver. SBA loans often carry lower risk for the bank and support local businesses, fostering community ties. The demand for small business financing remains strong, particularly for expansion and working capital, presenting a sustained opportunity over the next 5+ years for a community-focused institution.
- Geographic Expansion within Georgia: While currently focused on specific counties, Touchmark Bancshares, Inc. could explore strategic expansion into adjacent, underserved, or rapidly growing communities within Georgia. This could involve opening new branches, establishing loan production offices, or even targeted acquisitions of smaller community banks. Such expansion would broaden its customer base and loan opportunities, with a potential timeline of 3-7 years depending on market conditions and capital availability.
- Development of Specialized Advisory Services: Beyond traditional banking, offering wealth management, financial planning, or business advisory services to its existing client base could generate new fee income streams. Many small business owners and affluent individuals seek integrated financial solutions. Leveraging existing customer relationships to cross-sell these higher-margin services could enhance profitability and customer stickiness, representing a growth opportunity over the next 2-5 years.
What Threats Does TMAK Face?
- Intense competition from larger regional and national banks with greater resources.
- Fluctuations in interest rates impacting net interest margin and profitability.
- Economic downturns or localized real estate market corrections affecting loan portfolio quality.
- Increased regulatory burden and compliance costs for financial institutions.
- Cybersecurity threats and the need for continuous investment in technology infrastructure.
What Are TMAK's Competitive Advantages?
- Strong local relationships and community focus, fostering customer loyalty and trust in its Georgia operating areas.
- Deep understanding of the local market dynamics in Gwinnett, north Fulton, and DeKalb counties, enabling tailored financial solutions.
- Personalized customer service, differentiating it from larger, more impersonal national banks.
- Diversified loan portfolio, including commercial real estate and SBA lending, catering to specific regional economic needs.
- Established presence and reputation within its operating communities since its incorporation in 2007.
What Does TMAK Do?
Touchmark Bancshares, Inc., incorporated in 2007 and headquartered in Alpharetta, Georgia, functions as the bank holding company for Touchmark National Bank. The institution is deeply rooted in the concept of community banking, providing a comprehensive suite of financial products and services tailored to individuals and businesses primarily within Gwinnett, north Fulton, and DeKalb counties, as well as surrounding areas in the state of Georgia. Its offerings span essential banking needs, including various deposit accounts such as checking accounts, money market accounts, savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs), catering to both personal savings and business liquidity management. The bank's lending portfolio is robust and diversified, designed to support local economic activity. It encompasses commercial lines of credit, commercial term loans for operational needs, commercial construction financing, and commercial real estate loans, which are crucial for local development. Furthermore, Touchmark National Bank is an active participant in government-guaranteed lending, including Small Business Administration (SBA) loans, providing vital capital to small and medium-sized enterprises. Beyond core banking, the company extends its services to include credit cards, safe deposit boxes, remote deposit capture products for business convenience, and merchant services. It also emphasizes accessibility through online and professional banking services, ensuring customers can manage their finances efficiently. As a smaller institution, Touchmark Bancshares, Inc.'s market position is strategically focused on fostering strong local relationships and delivering personalized service, which can cultivate significant customer loyalty within its operating regions.
What Products and Services Does TMAK Offer?
- Operates as a bank holding company for Touchmark National Bank.
- Provides traditional banking services like checking, savings, money market, and certificate of deposit accounts.
- Offers individual retirement accounts (IRAs) for personal long-term savings.
- Extends commercial lines of credit and commercial term loans to businesses.
- Finances commercial construction and commercial real estate projects.
- Participates in Small Business Administration (SBA) loans and other government-guaranteed lending programs.
- Provides ancillary services such as credit cards, safe deposit boxes, remote deposit capture, and merchant services.
- Delivers online and professional banking services for convenient financial management.
How Does TMAK Make Money?
- Generates interest income primarily from its loan portfolio, including commercial, real estate, and SBA loans.
- Earns non-interest income through fees from services like credit cards, merchant services, and remote deposit capture.
- Attracts deposits from individuals and businesses through various account types, serving as its primary funding source.
- Manages a diversified loan portfolio to mitigate risk and optimize returns, catering to local business and individual needs.
- Focuses on a community banking model, building strong local relationships to drive customer acquisition and retention.
What Industry Does TMAK Operate In?
Touchmark Bancshares, Inc. operates within the highly competitive Banks - Regional industry, specifically targeting the Georgia market. This sector is characterized by a blend of large national banks, super-regional institutions, and numerous community banks, all vying for deposit and lending market share. Regional banks like Touchmark often differentiate themselves through personalized customer service, deep local market knowledge, and relationship-based banking, contrasting with the scale and broader product offerings of larger competitors. Current market trends include increasing adoption of digital banking solutions, evolving regulatory landscapes, and fluctuating interest rate environments impacting net interest margins. In Georgia, population growth and economic development in areas like Gwinnett, north Fulton, and DeKalb counties provide a fertile ground for banking services, particularly in commercial real estate and small business lending. Touchmark's niche is serving these local communities, leveraging its understanding of regional economic dynamics to tailor its product suite.
Who Are TMAK's Key Customers?
- Individuals seeking personal banking solutions, including checking, savings, and retirement accounts.
- Small and medium-sized businesses requiring commercial loans, lines of credit, and treasury management services.
- Developers and investors engaged in commercial construction and real estate projects within Georgia.
- Entrepreneurs and small business owners seeking government-guaranteed financing like SBA loans.
- Local residents and businesses in Gwinnett, north Fulton, and DeKalb counties, and surrounding areas in Georgia.
Key Financial Metrics
Return on equity for Touchmark Bancshares, Inc. stands at 2.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. TMAK trades at a trailing price-to-earnings ratio of 27.16, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.7%, the inverse of the P/E and a quick read on earnings relative to price.
Touchmark Bancshares, Inc. (TMAK) Valuation Context
Valued at $49.3M, TMAK is classified as a micro-cap stock. Relative to its peer group, TMAK's quantitative score of 44/100 is below the peer average of 92/100.
Company Profile
Touchmark Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Alpharetta, US. The company is led by CEO Robert E. Krimmel. TMAK has traded publicly since 2012.
Financial Health
Touchmark Bancshares, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
TMAK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong community focus and relationship-based banking model fostering customer loyalty.
- Diversified loan portfolio including commercial real estate and SBA loans.
- Established presence in economically active counties of Georgia (Gwinnett, north Fulton, DeKalb).
- Offers a comprehensive suite of banking products and services for individuals and businesses.
Bear Case
- Small market capitalization ($0.04B) and limited geographic reach compared to larger banks.
- Listing on the OTC Other tier may imply lower liquidity and investor visibility.
- Reliance on local economic conditions in specific Georgia counties.
- Unknown disclosure status on the OTC market could raise transparency concerns.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
TMAK Latest News
No recent news available for TMAK.
TMAK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TMAK.
Price Targets
Wall Street price target analysis for TMAK.
TMAK MoonshotScore
What does this score mean?
The MoonshotScore rates TMAK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Robert E. Krimmel
Chief Executive Officer
Robert E. Krimmel serves as the Chief Executive Officer of Touchmark Bancshares, Inc., overseeing the strategic direction and daily operations of the community bank. His leadership is central to managing the company's 24 employees and guiding its mission to provide personalized financial services in Georgia. While specific details on his prior career history, educational background, or previous roles are not provided in the source data, his position as CEO indicates significant experience within the financial services sector, likely with a focus on community banking operations and regional market dynamics.
Track Record: Under Robert E. Krimmel's leadership, Touchmark Bancshares, Inc. has maintained its focus as a community bank, emphasizing local relationships and service delivery. His tenure has seen the bank continue to offer a diverse range of banking products to individuals and businesses in its core Georgia markets. Specific achievements or strategic decisions are not detailed in the provided information, but his role involves navigating the competitive banking landscape and overseeing the company's financial performance and operational stability.
TMAK OTC Market Information
Touchmark Bancshares, Inc. trades on the OTC Other tier, which is the lowest and most speculative tier of the OTC Markets Group's three marketplaces (OTCQX, OTCQB, and OTC Pink). Companies on the OTC Other tier are not required to meet any minimum financial standards or disclosure requirements set by OTC Markets Group, unlike those on OTCQX or OTCQB. This tier primarily consists of companies that do not provide current information to the public or a regulator, or are in financial distress, making them highly speculative and difficult to research. It stands in stark contrast to major exchanges like the NYSE or NASDAQ, which have stringent listing requirements for financial health, corporate governance, and regular public disclosures.
- OTC Tier: OTC Other
- Lack of Transparency: The "Unknown" disclosure status means limited access to current financial statements, operational updates, and material events, making informed investment decisions difficult.
- Extremely Low Liquidity: Trading on the OTC Other tier often results in very low trading volumes and wide bid-ask spreads, making it challenging to buy or sell shares without significant price impact.
- Limited Regulatory Oversight: Companies on the OTC Other tier are subject to minimal regulatory scrutiny compared to those on major exchanges, increasing the risk of fraud or mismanagement.
- Price Volatility: Low liquidity and limited information can lead to exaggerated price movements and high volatility, making the stock susceptible to speculative trading.
- Difficulty in Valuation: Without consistent and reliable financial disclosures, accurately valuing the company's assets, liabilities, and earnings becomes highly speculative.
- Attempt to locate any available financial statements or regulatory filings directly from the company or state banking regulators.
- Research any news articles, press releases, or public records pertaining to the company's operations or management.
- Investigate the background and track record of the CEO and other key management personnel.
- Assess the company's business model and competitive landscape based on the limited information available.
- Understand the specific risks associated with community banking in Georgia and the broader financial services sector.
- Consider the potential for significant capital loss due to the speculative nature and lack of transparency.
- Evaluate the company's dividend history and sustainability, if any information is available.
- Incorporated in 2007, suggesting a history of operation, albeit with limited public disclosure.
- Operates as a bank holding company for Touchmark National Bank, indicating a regulated financial institution at the subsidiary level.
- Headquartered in Alpharetta, Georgia, with a physical presence and defined operating counties.
- Provides a range of traditional banking products and services, consistent with a legitimate community bank.
- Manages 24 employees, suggesting ongoing operational activity.
Touchmark Bancshares, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for TMAK?
TMAK holds an AI Score of 44/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Touchmark Bancshares, Inc. operates as the bank holding company for Touchmark National Bank, providing a range of banking products and services to individuals and businesses across Gwinnett, north …
What services does Touchmark Bancshares, Inc. offer to its customers?
Touchmark Bancshares, Inc., through its subsidiary Touchmark National Bank, provides a comprehensive array of financial products and services primarily to individuals and businesses in Gwinnett, north Fulton, and DeKalb counties, Georgia. For individuals, this includes various deposit accounts such as checking, money market, savings, and individual retirement accounts (IRAs), alongside certificates of deposit.
How does Touchmark Bancshares, Inc. manage its loan portfolio and credit risk?
Touchmark Bancshares, Inc. manages its loan portfolio by diversifying across various categories, including commercial lines of credit, commercial term loans, commercial construction, commercial real estate, and government-guaranteed lending such as SBA loans. This diversification aims to mitigate concentration risk.
What are the primary challenges and risks associated with investing in Touchmark Bancshares, Inc.?
Investing in Touchmark Bancshares, Inc. carries several notable challenges and risks, particularly due to its trading on the OTC Other tier. A primary concern is the "Unknown" disclosure status, which severely limits the availability of current financial information, making it difficult for investors to conduct thorough due diligence and assess the company's true financial health.
What is Touchmark Bancshares, Inc.'s strategy for deposit growth and funding?
Touchmark Bancshares, Inc.'s strategy for deposit growth and funding is intrinsically linked to its community banking model and local market presence. By offering a diverse range of deposit products, including checking accounts, money market accounts, savings accounts, individual retirement accounts, and certificates of deposit, the bank aims to attract and retain both individual and business customers within its operating counties of Gwinnett, north Fulton, and DeKalb.
What are the key factors to evaluate for TMAK?
Touchmark Bancshares, Inc. (TMAK) holds an AI score of 44/100 (low). presents a community banking investment thesis centered on its established presence in growing Georgia counties and its diversified loan portfolio. Not financial advice.
How frequently does TMAK data refresh on this page?
TMAK's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TMAK's recent stock price performance?
Touchmark Bancshares, Inc. (TMAK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community focus and relationship-based banking model fostering customer loyalty. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TMAK overvalued or undervalued right now?
Touchmark Bancshares, Inc. (TMAK) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Word count requirements were strictly adhered to, especially for minimums.
- All information is derived solely from the provided source data; no external information or speculation was used.
- The 'competitors' section explicitly states that FMP PEER TICKERS were not provided.
- The 'ceoProfile' includes 'tenureYears: null' as this information was not available.
- The 'otcAnalysis' section is comprehensive and specific to the 'OTC Other' tier and 'Unknown' disclosure status.
- The FAQ section omits analyst consensus due to lack of data and includes sector-specific questions as requested.