Triad Business Bank (TBBC) AI Stock Analysis

Triad Business Bank

(Other OTC:TBBC)

Select Model

Rating:60Neutral

Price Target:$7.00▲(7.53% 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 ReboundThe 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 ProfitabilityAlthough 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.

Triad Business Bank (TBBC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $52.66M
Dividend Yield: ―
Average Volume (3M): 5,569
Price to Earnings (P/E): 35.9
Beta (1Y): 0.12
Revenue Growth: -0.16%
EPS Growth: ―
Country: US
Employees: 56
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 Triad r...

How the Company Makes Money

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Triad Business Bank Financial Statement Overview

Summary

Financials show a notable 2025 rebound with sharp revenue growth and a return to profitability, alongside improved leverage. However, profitability remains thin, returns on equity have been weak historically (only modestly positive in 2025), and cash generation has been inconsistent across years, limiting confidence in the durability of the turnaround.

Income Statement

58Neutral

Balance Sheet

67Positive

Cash Flow

55Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	28.75M	28.49M	11.76M	8.57M	14.94M	9.40M
Gross Profit	14.53M	13.79M	11.76M	24.14M	11.64M	8.18M
EBITDA	1.49M	1.39M	0	-4.23M	-210.76K	-1.48M
Net Income	1.46M	1.39M	-4.30M	-4.32M	-363.67K	-1.57M
Balance Sheet
Total Assets	536.05M	530.92M	525.16M	511.15M	445.11M	372.98M
Cash, Cash Equivalents and Short-Term Investments	20.92M	17.70M	23.95M	33.61M	30.18M	38.74M
Total Debt	4.00M	9.00M	25.15M	9.00M	11.15M	8.03M
Total Liabilities	485.21M	480.36M	482.94M	473.55M	406.67M	316.01M
Stockholders Equity	50.84M	50.57M	42.22M	37.60M	38.44M	56.98M
Cash Flow
Free Cash Flow	0	2.73M	558.74K	-1.55M	3.04M	319.26K
Operating Cash Flow	0	2.74M	613.40K	-1.54M	3.05M	334.48K
Investing Cash Flow	0	-6.12M	-26.18M	-61.49M	-101.13M	-157.40M
Financing Cash Flow	0	-2.87M	15.91M	66.46M	89.51M	154.64M

Triad Business Bank Technical Analysis

Technical Analysis SentimentNegative

Last Price6.51

Price Trends

50DMA6.56Negative

100DMA6.57Negative

200DMA6.53Negative

Market Momentum

MACD-0.00Negative

RSI48.62Neutral

STOCH27.50Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TBBC, the sentiment is Negative. The current price of 6.51 is above the 20-day moving average (MA) of 6.48, below the 50-day MA of 6.56, and below the 200-day MA of 6.53, indicating a neutral trend. The MACD of -0.00 indicates Negative momentum. The RSI at 48.62 is Neutral, neither overbought nor oversold. The STOCH value of 27.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TBBC.

Triad Business Bank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

TBBC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	83Outperform	$115.50M	5.29	16.39%	―	24.01%	20.16%
ASRV	70Outperform	$83.42M	9.14	7.48%	2.44%	2.43%	75.47%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.87M	14.34	6.14%	1.44%	5.94%	51.02%
HFBL	64Neutral	$69.25M	10.68	11.12%	2.49%	7.94%	43.98%
TBBC	60Neutral	$52.66M	35.89	2.90%	―	-0.16%	―

* Financial Sector Average

Performance Comparison

TBBC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TBBC	Triad Business Bank	6.51	0.91	16.25%
ASRV	AmeriServ Financial, Inc.	4.91	1.88	62.15%
HFBL	Home Federal Bancorp Inc. Of Louisiana	22.85	6.90	43.23%
OPHC	Optimumbank	9.15	5.05	123.17%
TCBS	Texas Community Bancshares, Inc.	17.36	1.70	10.83%

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.

Date of analysis: Aug 04, 2026

Triad Business Bank AI Stock Analysis