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Third Century Bancorp
(OTC:TDCB)
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Rating:62Neutral
Price Target:
$19.00
▲(10.72% Upside)
Action:Reiterated
Date:06/19/26
The score is driven by elevated balance-sheet leverage (a key risk for a regional bank) despite solid revenue growth and positive profitability/cash generation. Offsetting this, the stock shows a clear technical uptrend and an attractive valuation (low P/E with a modest dividend yield).
Positive Factors
Revenue Growth and Profitability
Continued revenue expansion alongside positive net margins indicates an established, profitable operating model. Although growth has moderated, the company retains the earnings base needed to support future lending activity and absorb normal regional-bank volatility.
Negative Factors
Elevated Balance-Sheet Leverage
Leverage remains high for a regional bank despite the recent improvement. A thinner capital cushion increases sensitivity to credit losses, funding costs, and earnings declines, potentially limiting strategic flexibility and making future results more volatile.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profitability
Continued revenue expansion alongside positive net margins indicates an established, profitable operating model. Although growth has moderated, the company retains the earnings base needed to support future lending activity and absorb normal regional-bank volatility.
Read all positive factors
Third Century Bancorp (TDCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$20.26M
Dividend Yield1.14%
Average Volume (3M)194.00
Price to Earnings (P/E)8.8
Beta (1Y)0.08
Revenue Growth9.99%
EPS Growth50.61%
CountryUS
Employees47
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.04
Shares Outstanding1,180,321
10 Day Avg. Volume128
30 Day Avg. Volume194
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
Third Century Bancorp Business Overview & Revenue Model
Company Description
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 d...
Third Century Bancorp Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
38
Negative
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.22M | 18.30M | 17.01M | 14.74M | 11.27M | 10.54M |
| Gross Profit | 11.29M | 10.42M | 9.17M | 9.11M | 9.72M | 9.80M |
| EBITDA | 2.64M | 2.44M | 1.74M | 1.24M | 2.69M | 3.10M |
| Net Income | 2.37M | 1.87M | 1.31M | 1.02M | 2.12M | 2.34M |
Balance Sheet | ||||||
| Total Assets | 353.21M | 349.19M | 312.38M | 312.91M | 280.50M | 241.56M |
| Cash, Cash Equivalents and Short-Term Investments | 33.06M | 33.87M | 9.20M | 13.47M | 3.75M | 4.86M |
| Total Debt | 51.83M | 54.81M | 60.78M | 56.26M | 31.58M | 5.00M |
| Total Liabilities | 337.60M | 336.02M | 302.92M | 303.40M | 272.47M | 220.03M |
| Stockholders Equity | 15.62M | 13.17M | 9.46M | 9.51M | 8.02M | 21.53M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 2.20M | 2.45M | -417.92K | 249.01K | 642.58K |
| Operating Cash Flow | 0.00 | 2.40M | 2.66M | 1.42M | 2.73M | 706.80K |
| Investing Cash Flow | 0.00 | -10.53M | -6.13M | -21.75M | -55.24M | -31.07M |
| Financing Cash Flow | 0.00 | 32.80M | -804.75K | 30.06M | 51.39M | 30.34M |
Third Century Bancorp Technical Analysis
Neutral
17.16
Price Trends
17.44
Negative
16.49
Positive
13.97
Positive
Market Momentum
-0.13
Positive
47.22
Neutral
49.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TDCB, the sentiment is Neutral. The current price of 17.16 is below the 20-day moving average (MA) of 17.30, below the 50-day MA of 17.44, and above the 200-day MA of 13.97, indicating a neutral trend. The MACD of -0.13 indicates Positive momentum. The RSI at 47.22 is Neutral, neither overbought nor oversold. The STOCH value of 49.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TDCB.
Third Century Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $20.26M | 8.82 | 17.33% | 1.14% | 9.99% | 50.61% | |
57 Neutral | $49.41M | 25.90 | 3.86% | 0.82% | 8.66% | 958.30% | |
52 Neutral | $12.99M | -83.40 | -0.75% | 8.71% | 13.37% | -600.93% | |
42 Neutral | $1.96M | -0.16 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
TDCB
Third Century Bancorp
17.17
8.18
91.02%
CARV
Carver Bancorp
1.80
-0.94
-34.31%
GLBZ
Glen Burnie Bancorp
4.45
0.02
0.45%
KFFB
Kentucky First Federal Bancorp
6.11
2.82
85.83%
SHFS
SHF Holdings
0.16
-4.08
-96.25%
MBBC
Marathon Bancorp
15.12
4.81
46.65%
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.