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Triad Business Bank (TBBC) Stock Price & Analysis
TBBC Stock Chart & Stats
- Day’s Range
- $6.51 - $6.51
- 52-Week Range
- $5.35 - $7.50
- Previous Close
- $6.56
- Volume
- 2,500
- Average Volume (3M)
- 2,812
- Market Cap
- $52.66M
- Enterprise Value
- $36.54M
- Total Cash (Recent Filing)
- $20.92M
- Total Debt (Recent Filing)
- $4.00M
- Price to Earnings (P/E)
- 35.9
- Beta
- 0.12
- Next Earnings
- Nov 05, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
2025 Profitability Rebound
The sharp revenue increase and return to profitability in 2025 show the business can generate positive operating results after multi-year losses. If sustained, this provides a foundation for reinvesting, rebuilding capital, and supporting gradual margin improvement over coming quarters.
Improving Balance Sheet
Material decline in debt-to-equity and a relatively large equity base enhance financial flexibility. Stronger leverage metrics reduce default risk and increase capacity to fund organic growth or absorb shocks without pressuring liquidity, a durable credit-positive change.
Positive Cash Flow In 2025
Return to positive operating and free cash flow that aligns with reported earnings supports sustainable internal funding for operations and debt reduction. Consistent cash conversion would improve capital allocation and reduce reliance on external financing over time.
Bears Say
Thin Profitability
Although profitable in 2025, margins remain low, limiting retained earnings and buffer against downturns. Thin net margins constrain the business's ability to self-fund growth or absorb credit losses, making long-term durability contingent on sustained margin expansion.
Historically Weak Returns
A history of negative return on equity and only modest improvement reduces confidence in management's ability to reliably generate shareholder returns. Rebuilding ROE will take sustained profitably and growth, so past weakness is a structural headwind.
Variable Cash Generation
Inconsistent operating cash flow across years undermines predictability of free cash flow and capital planning. Variable cash conversion increases funding risk for loans, reserves, or investments and requires management to prove repeatable cash generation to secure durability.
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Triad Business Bank Stock Smart Score
Company Description
Triad Business Bank
Triad Business Bank, headquartered in Greensboro, North Carolina, and established in 2020, delivers a comprehensive suite of financial products and services across the United States, operating through three banking offices in North Carolina's Triad region. The institution provides a variety of deposit options, including checking, savings, money market, and retirement accounts, as well as certificates of deposit. Its lending portfolio caters to both personal and business needs, featuring home equity loans, financing for real estate investment purchases and refinances, existing loan refinancing, acquisition financing, and working capital loans. For modern banking convenience, Triad Business Bank offers robust digital services such as online banking, personal online bill pay, e-statements, personal debit cards, and mobile deposit and banking solutions. The bank also supports businesses with specialized treasury solutions and merchant services. Its credit offerings are extensive, encompassing diverse letters of credit—including export and import letters of credit and documentary collections, alongside foreign and domestic options—as well as various lines of credit for purposes like revolving funds, equipment purchases, guidance, seasonal cash flow, supplementary working capital, and inventory financing. Furthermore, Triad Business Bank provides advanced cash management and business support services. These include lockbox services, remote and mobile deposit capture, ACH and wire origination, purchase card services, and comprehensive fraud protection. The bank also offers sophisticated sweep services, such as zero balance, line of credit, and checking sweeps, to help manage liquidity efficiently.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Ramsey K. Hamadi
- Employees
- 56
- Website
- www.triadbusinessbank.com
- Address
- 1501 Highwoods Boulevard, Greensboro, NC, 27410, US
Triad Business Bank (TBBC) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 6 | 12 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 2 | 0 | 10 |