TWCF - Town And Country Financial: Inexpensive But Uninspiring

Town and Country Financial (OTCPK:TWCF) is an eleven-branch bank holding company. The company’s banking subsidiary, Town and Country Bank, primarily serves Springfield, Illinois, with additional branches in Decatur, Quincy, and the Illinois suburbs of eastern Saint Louis.

Town and Country Financial initially caught our attention due to the company’s comparatively low valuation on both book value and earnings multiple measures as well as the company’s relatively strong return on equity. The company’s valuation is closer to those of more traditional savings and loans with larger negative exposure to rising benchmark interest rates due