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Third Century Bancorp (TDCB) Stock Price & Analysis

TDCB Stock Chart & Stats

$15.40$0.03(0.20%)
At close: 4:00 PM EDT
$16$17$18$193 Aug18 Aug27 Aug8 Sep28 Sep13 Oct28 Oct
Day’s Range
$15.10 - $15.70
52-Week Range
$8.85 - $19.79
Previous Close
$15.37
Volume
35
Average Volume (3M)
302
Market Cap
$18.18M
Enterprise Value
$16.76M
Total Cash (Recent Filing)
$34.73M
Total Debt (Recent Filing)
$31.83M
Price to Earnings (P/E)
7.0
Beta
-0.00
Next Earnings
Feb 25, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Sep 15, 2026
Dividend Yield
1.36%

Bulls Say, Bears Say

Bulls Say

Revenue Growth And Profitability

The company remains profitable while maintaining positive revenue growth, providing an operating base for continued investment and balance-sheet strengthening. Although growth has moderated from earlier years, the combination of expansion and positive margins supports durable earnings capacity over the next several quarters.

Recent Free Cash Flow

Positive free cash flow in each of the last two years, with conversion close to net income, indicates that reported profitability has recently been supported by cash generation. This provides internally generated resources for capital needs and reduces reliance on external funding when maintained.

Positive Return On Equity

A solid return on equity alongside year-over-year equity growth indicates that the company is still generating meaningful returns from its capital base. This supports the durability of the franchise, provided profitability remains sufficient to continue rebuilding capital and absorbing financial volatility.

Bears Say

Elevated Leverage

The sharp increase in leverage from sub-1x levels in 2020–2021 leaves the company more sensitive to credit quality, funding costs, and earnings swings. Even after improvement in 2025, the reduced capital cushion remains a durable constraint on financial flexibility and resilience.

Margin Compression

Profitability has weakened materially from earlier years, and the reported operating result was notably weak in 2024. Sustained margin pressure would reduce the earnings available to support growth, rebuild capital, and offset the risks created by the company’s elevated leverage.

Uneven Cash Flow Stability

Recent positive cash generation is encouraging, but the prior negative free-cash-flow year and volatile coverage ratios show that conversion has not been consistently reliable across the cycle. This variability can complicate capital planning and weaken flexibility during periods of earnings pressure.

TDCB FAQ

What was Third Century Bancorp’s price range in the past 12 months?
Third Century Bancorp lowest stock price was $8.85 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 $18.18M.
When is Third Century Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Third Century Bancorp’s earnings last quarter?
Third Century Bancorp released its earnings results on Oct 15, 2026. The company reported $0.63 earnings per share for the quarter.
Is Third Century Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Third Century Bancorp pay dividends?
Third Century Bancorp pays a Quarterly dividend of $0.06 which represents an annual dividend yield of 1.36%. 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 $0.63 in its last earnings report. Following the earnings report the stock price went down -0.157%.
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