Third Century Bancorp (TDCB)
OTHER OTC:TDCB
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Third Century Bancorp
(OTC:TDCB)
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Rating:57Neutral
Price Target:
$9.50
▲(4.40% Upside)
Action:ReiteratedDate:12/30/25
The score is held back primarily by weakened profitability and a significantly more leveraged balance sheet, which raises risk for a regional bank. Technicals are mildly supportive with price above key moving averages and positive MACD, while valuation is a clear positive due to the low P/E and moderate dividend yield.
Positive Factors
Profit Margins
Strong profit margins indicate efficient operations and the ability to generate profits despite revenue challenges, supporting long-term sustainability.
Negative Factors
Revenue Decline
A declining revenue trend can undermine growth prospects and market position, posing a risk to long-term financial performance and competitiveness.
Read all positive and negative factors
Positive Factors
Negative Factors
Profit Margins
Strong profit margins indicate efficient operations and the ability to generate profits despite revenue challenges, supporting long-term sustainability.
Read all positive factors
Third Century Bancorp (TDCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$19.10M
Dividend Yield2.18%
Average Volume (3M)1.42K
Price to Earnings (P/E)6.7
Beta (1Y)-0.02
Revenue Growth6.78%
EPS Growth70.28%
CountryUS
Employees47
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.52
Shares Outstanding1,180,321
10 Day Avg. Volume1,266
30 Day Avg. Volume1,417
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)1.11
Price to Sales (P/S)0.62
P/FCF Ratio4.29
Enterprise Value/Market Cap1.88
Enterprise Value/Revenue2.05
Enterprise Value/Gross Profit3.66
Enterprise Value/Ebitda20.39
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Third Century Bancorp Business Overview & Revenue Model
Company Description
Third Century Bancorp operates as the holding company for Mutual Savings Bank that provides various banking products and services to individual and corporate customers in Johnson County and surrounding counties. It offers checking and savings, NOW...
How the Company Makes Money
Third Century Bancorp makes money through various revenue streams primarily derived from its banking operations. The company earns interest income by providing loans and mortgages to individual and business customers, which constitutes a significa...
Third Century Bancorp Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
39
Negative
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.48M | 17.01M | 14.74M | 11.27M | 10.54M | 10.50M |
| Gross Profit | 9.81M | 9.17M | 9.11M | 9.72M | 9.80M | 9.45M |
| EBITDA | 1.76M | 0.00 | 1.24M | 2.69M | 3.10M | 2.49M |
| Net Income | 1.58M | 1.31M | 1.02M | 2.12M | 2.34M | 1.77M |
Balance Sheet | ||||||
| Total Assets | 322.43M | 312.38M | 312.91M | 280.50M | 241.56M | 209.63M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 9.20M | 13.47M | 3.75M | 4.86M | 4.89M |
| Total Debt | 67.80M | 60.78M | 56.26M | 31.58M | 5.00M | 11.71M |
| Total Liabilities | 313.20M | 302.92M | 303.40M | 272.47M | 220.03M | 189.15M |
| Stockholders Equity | 9.22M | 9.46M | 9.51M | 8.02M | 21.53M | 20.48M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.45M | -417.92K | 249.01K | 642.58K | 718.07K |
| Operating Cash Flow | 0.00 | 2.66M | 1.42M | 2.73M | 706.80K | 840.52K |
| Investing Cash Flow | 0.00 | -6.13M | -21.75M | -55.24M | -31.07M | -30.11M |
| Financing Cash Flow | 0.00 | -804.75K | 30.06M | 51.39M | 30.34M | 30.32M |
Third Century Bancorp Technical Analysis
Positive
9.10
Price Trends
14.11
Positive
11.67
Positive
10.31
Positive
Market Momentum
0.20
Negative
68.14
Neutral
87.91
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TDCB, the sentiment is Positive. The current price of 9.1 is below the 20-day moving average (MA) of 14.20, below the 50-day MA of 14.11, and below the 200-day MA of 10.31, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 68.14 is Neutral, neither overbought nor oversold. The STOCH value of 87.91 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TDCB.
Third Century Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $19.10M | 6.66 | 16.96% | 2.18% | 6.78% | 70.28% | |
54 Neutral | $36.52M | 30.97 | 1.71% | ― | 15.56% | ― | |
51 Neutral | $14.09M | -32.65 | 0.09% | ― | 5.76% | -72.73% | |
42 Neutral | $4.19M | -1.43 | -229.75% | ― | -42.15% | -1001.66% |
* Financial Sector Average
TDCB
Third Century Bancorp
15.30
7.09
86.37%
CARV
Carver Bancorp
1.77
0.41
30.15%
GLBZ
Glen Burnie Bancorp
5.00
-0.20
-3.85%
KFFB
Kentucky First Federal Bancorp
4.57
1.95
74.24%
SHFS
SHF Holdings
0.87
-2.93
-77.11%
MBBC
Marathon Bancorp
13.83
3.48
33.62%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.