Want to see TBBC full AI Analyst Report?
Top Page
Triad Business Bank
(OTC:TBBC)
Select Model
Select Model
Rating:60Neutral
Price Target:
$7.00
▲(6.71% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by improving financial performance (2025 profitability rebound and better leverage) but is held back by still-thin profitability, historically weak returns and variable cash flow. Technicals are mildly supportive with price above key moving averages and neutral-to-slightly positive momentum, while valuation is a headwind due to a relatively high P/E and no provided dividend yield.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Triad Business Bank (TBBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$52.96M
Dividend YieldN/A
Average Volume (3M)1.36K
Price to Earnings (P/E)32.8
Beta (1Y)0.02
Revenue Growth-1.55%
EPS GrowthN/A
CountryUS
Employees54
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.20
Shares Outstanding8,054,528
10 Day Avg. Volume2,553
30 Day Avg. Volume1,358
Financial Highlights & Ratios
PEG Ratio-0.27
Price to Book (P/B)0.95
Price to Sales (P/S)1.68
P/FCF Ratio17.53
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Triad Business Bank Business Overview & Revenue Model
Company Description
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 Tria...
How the Company Makes Money
null...
Triad Business Bank Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
67
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.67M | 28.49M | 11.76M | 8.57M | 14.94M | 9.40M |
| Gross Profit | 14.15M | 13.79M | 11.76M | 24.14M | 11.64M | 8.18M |
| EBITDA | 1.62M | 1.39M | 0.00 | -4.23M | -210.76K | -1.48M |
| Net Income | 1.60M | 1.39M | -4.30M | -4.32M | -363.67K | -1.57M |
Balance Sheet | ||||||
| Total Assets | 536.89M | 530.92M | 525.16M | 511.15M | 445.11M | 372.98M |
| Cash, Cash Equivalents and Short-Term Investments | 15.60M | 17.70M | 23.95M | 33.61M | 30.18M | 38.74M |
| Total Debt | 45.00M | 9.00M | 25.15M | 9.00M | 11.15M | 8.03M |
| Total Liabilities | 486.24M | 480.36M | 482.94M | 473.55M | 406.67M | 316.01M |
| Stockholders Equity | 50.65M | 50.57M | 42.22M | 37.60M | 38.44M | 56.98M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.73M | 558.74K | -1.55M | 3.04M | 319.26K |
| Operating Cash Flow | 0.00 | 2.74M | 613.40K | -1.54M | 3.05M | 334.48K |
| Investing Cash Flow | 0.00 | -6.12M | -26.18M | -61.49M | -101.13M | -157.40M |
| Financing Cash Flow | 0.00 | -2.87M | 15.91M | 66.46M | 89.51M | 154.64M |
Triad Business Bank Technical Analysis
Positive
6.56
Price Trends
6.54
Positive
6.43
Positive
6.29
Positive
Market Momentum
0.01
Negative
55.22
Neutral
57.14
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TBBC, the sentiment is Positive. The current price of 6.56 is above the 20-day moving average (MA) of 6.55, above the 50-day MA of 6.54, and above the 200-day MA of 6.29, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 55.22 is Neutral, neither overbought nor oversold. The STOCH value of 57.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TBBC.
Triad Business Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $93.24M | 4.39 | 16.39% | ― | 24.01% | 17.08% | |
76 Outperform | $71.29M | 11.39 | 10.42% | 2.53% | 7.71% | 60.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
60 Neutral | $52.96M | 32.76 | 3.25% | ― | -1.55% | ― | |
58 Neutral | $50.78M | 16.45 | 5.66% | 1.30% | 3.83% | 59.54% |
* Financial Sector Average
TBBC
Triad Business Bank
6.58
1.30
24.53%
ASRV
Ameriserv Financial
4.92
2.09
73.61%
HFBL
Home Federal Bancorp Of Louisiana
23.50
10.90
86.51%
OPHC
Optimumbank Holdings
9.11
4.95
118.99%
TCBS
Texas Community
17.43
1.95
12.60%
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.