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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 $8.60 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 $22.13M.

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 85 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 $0.62 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

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%. 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 $0.62 in its last earnings report, missing expectations of N/A. 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

$9.10

$0.00(0.00%)

At close: Jan 03 4:00 PM EST

$9.10

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$8.60 - $19.79

Previous CloseN/A

Volume1.00

Average Volume (3M)1.42K

Market Cap

$22.13M

Enterprise Value$33.20

Total Cash (Recent Filing)$34.96M

Total Debt (Recent Filing)$51.82M

Price to Earnings (P/E)9.2

Beta0.01

Next Earnings

Oct 21, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1%

Share Statistics

EPS (TTM)1.74

Shares Outstanding1,180,321

10 Day Avg. Volume1,266

30 Day Avg. Volume1,417

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

Multi-year Revenue GrowthSustained multi-year top-line growth shows the franchise can expand core lending and/or fee businesses over time, supporting scale and resilience. Persistent revenue momentum helps fund operations, absorb shocks, and underpins long-term strategic initiatives and reinvestment capacity.

Positive Free Cash Flow GenerationConsecutive positive free cash flow indicates the company converts earnings into cash, enabling debt service, dividends, and selective reinvestment. Reliable cash generation over recent years improves financial flexibility and reduces reliance on external financing for normal operations.

Solid Return On Equity & ProfitabilityA mid-teens ROE and positive net margins show the bank generates attractive returns on capital versus many peers. This level of profitability supports internal capital formation and provides a cushion to absorb credit losses or cost inflation over the medium term.

Bears Say

Elevated Balance-sheet LeverageVery high leverage materially increases sensitivity to funding costs, interest-rate shifts and asset quality deterioration. A stretched capital structure reduces strategic flexibility, heightens regulatory and market scrutiny, and raises the risk of earnings volatility during stress periods.

Margin Compression And VolatilitySustained margin compression limits internal capital generation and the ability to finance growth or build buffers. Volatile operating margins complicate planning and increase earnings uncertainty, making long-term forecasts and dividend sustainment more challenging.

Uneven Cash-flow HistoryIntermittent negative FCF and year-to-year volatility weaken predictability of funding needs and constrain steady capital returns. This variability can force reliance on debt or equity raises in downturns, exacerbating dilution or interest expense when the business most needs stability.

TDCB FAQ

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

Third Century Bancorp lowest stock price was $8.60 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 $22.13M.

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 85 days.

How were Third Century Bancorp’s earnings last quarter?

Third Century Bancorp released its earnings results on Jul 17, 2026. The company reported $0.62 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.

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%. 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 $0.62 in its last earnings report, missing expectations of N/A. 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.