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Third Century Bancorp (TDCB) Price & Analysis

Q: What was Third Century Bancorp’s price range in the past 12 months?

Third Century Bancorp lowest stock price was $8.80 and its highest was $19.79 in the past 12 months.

Q: What is Third Century Bancorp’s market cap?

Third Century Bancorp’s market cap is $20.11M.

Q: When is Third Century Bancorp’s upcoming earnings report date?

Third Century Bancorp’s upcoming earnings report date is Oct 21, 2026 which is in 37 days.

Q: How were Third Century Bancorp’s earnings last quarter?

Third Century Bancorp released its earnings results on Jul 17, 2026. The company reported $0.609 earnings per share for the quarter.

Q: Is Third Century Bancorp overvalued?

According to Wall Street analysts Third Century Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Q: Does Third Century Bancorp pay dividends?

Third Century Bancorp pays a Quarterly dividend of $0.06 which represents an annual dividend yield of 1.14%. See more information on Third Century Bancorp dividends here

Q: What is Third Century Bancorp’s EPS estimate?

Third Century Bancorp’s EPS estimate for its next earnings report is not yet available.

Q: How many shares outstanding does Third Century Bancorp have?

Third Century Bancorp has 1,180,321 shares outstanding.

Q: What happened to Third Century Bancorp’s price movement after its last earnings report?

Third Century Bancorp reported an EPS of $0.609 in its last earnings report. Following the earnings report the stock price went same 0%.

Q: Which hedge fund is a major shareholder of Third Century Bancorp?

Currently, no hedge funds are holding shares in TDCB

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TDCB Stock Chart & Stats

$17.16

$0.00(0.00%)

At close: Jul 27 4:00 PM EDT

$17.16

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$8.80 - $19.79

Previous CloseN/A

Volume35.00

Average Volume (3M)162.00

Market Cap

$20.11M

Enterprise Value$37.08

Total Cash (Recent Filing)$33.06M

Total Debt (Recent Filing)$51.83M

Price to Earnings (P/E)8.8

Beta0.06

Next Earnings

Oct 21, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.14%

Share Statistics

EPS (TTM)2.04

Shares Outstanding1,180,321

10 Day Avg. Volume55

30 Day Avg. Volume162

Financial Highlights & Ratios

PEG Ratio0.14

Price to Book (P/B)0.82

Price to Sales (P/S)0.59

P/FCF Ratio4.95

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

Bulls Say, Bears Say

Bulls Say

Revenue Growth And ProfitabilityThe company continues to grow revenue while remaining profitable, indicating an established operating business with ongoing earning capacity. Although growth has moderated, positive margins and multi-year expansion provide a foundation for reinvestment and resilience over the next several quarters.

Recent Free Cash FlowPositive free cash flow in the latest two years and conversion near net income show that reported profits are translating into usable cash. This supports capital needs, shareholder returns, and operational flexibility, even though the consistency of cash generation remains moderate.

Solid Return On EquityA double-digit return on equity demonstrates that the company is generating meaningful earnings from its shareholder capital. Sustained capital productivity can support internal capital formation and competitiveness, although its durability depends on controlling leverage and preserving earnings quality.

Bears Say

Elevated Balance-Sheet LeverageLeverage remains materially elevated despite the recent improvement, leaving the bank more sensitive to credit quality, funding costs, and earnings swings. A thinner capital cushion relative to debt can restrict flexibility and amplify the impact of adverse operating conditions.

Margin CompressionProfitability has compressed substantially from earlier years, reducing the earnings buffer available to absorb higher costs or weaker operating conditions. The decline, together with a weak 2024 operating result, suggests that margin recovery and earnings quality remain important medium-term challenges.

Uneven Cash-Flow StabilityRecent cash generation is positive, but the negative 2023 result and volatile coverage history show that conversion has not been consistently reliable across the cycle. This variability may complicate capital planning and reduce confidence in cash available for growth or distributions.

TDCB FAQ

What was Third Century Bancorp’s price range in the past 12 months?

Third Century Bancorp lowest stock price was $8.80 and its highest was $19.79 in the past 12 months.

What is Third Century Bancorp’s market cap?

Third Century Bancorp’s market cap is $20.11M.

When is Third Century Bancorp’s upcoming earnings report date?

Third Century Bancorp’s upcoming earnings report date is Oct 21, 2026 which is in 37 days.

How were Third Century Bancorp’s earnings last quarter?

Third Century Bancorp released its earnings results on Jul 17, 2026. The company reported $0.609 earnings per share for the quarter.

Is Third Century Bancorp overvalued?

According to Wall Street analysts Third Century Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Third Century Bancorp pay dividends?

Third Century Bancorp pays a Quarterly dividend of $0.06 which represents an annual dividend yield of 1.14%. See more information on Third Century Bancorp dividends here

What is Third Century Bancorp’s EPS estimate?

Third Century Bancorp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Third Century Bancorp have?

Third Century Bancorp has 1,180,321 shares outstanding.

What happened to Third Century Bancorp’s price movement after its last earnings report?

Third Century Bancorp reported an EPS of $0.609 in its last earnings report. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of Third Century Bancorp?

Currently, no hedge funds are holding shares in TDCB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Third Century Bancorp

Third Century Bancorp serves as the parent entity for Mutual Savings Bank, which delivers a comprehensive suite of financial products and services to individual consumers and corporate clients across Johnson County and its neighboring areas. Its deposit offerings span checking, savings, NOW, and individual retirement accounts, in addition to certificates of deposit, demand, and money market accounts. On the lending side, the bank provides consumer financing for home renovations, property and land acquisition, new and used vehicles, and unsecured personal needs, alongside home equity solutions. For businesses, it extends commercial real estate loans covering owner-occupied and investment properties, construction projects, land development, and multi-family units. Additionally, commercial and industrial financing encompasses working capital facilities, equipment and vehicle loans, and revolving lines of credit. Mortgage loans are also part of its portfolio. Beyond core banking, the institution furnishes treasury management solutions including remote deposit capture, wire transfers, ACH origination, and merchant services. Further offerings consist of trust services, safe deposit boxes, debit and credit cards, and convenient access through online, mobile, and ATM banking. Established in 1890, Third Century Bancorp maintains its headquarters in Franklin, Indiana.