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Third Century Bancorp (TDCB) AI Stock Analysis
Third Century Bancorp
(Other OTC:TDCB)
The score is held back primarily by balance-sheet risk from elevated leverage, despite decent revenue/profitability trends and acceptable recent cash conversion. Technicals are neutral with slightly negative momentum, while the low P/E and dividend provide a meaningful valuation offset.
Third Century Bancorp (TDCB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $18.21M
- Dividend Yield
- 1.36%
- Average Volume (3M)
- 663
- Price to Earnings (P/E)
- 7.0
- Beta (1Y)
- -0.00
- Revenue Growth
- 11.37%
- EPS Growth
- 44.09%
- Country
- US
- Employees
- 47
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 depo...
Third Century Bancorp Financial Statement Overview
Summary
Income statement is decent (score 63) with strong multi-year revenue growth and positive profitability, and cash flow is acceptable (score 52) with recent positive free cash flow close to net income. The main drag is the weak balance sheet (score 38) due to elevated leverage (debt-to-equity ~4.2x in 2025), increasing sensitivity to funding costs and earnings volatility.
Income Statement
63PositiveBalance Sheet
38NegativeCash Flow
52Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.74M | 18.30M | 17.01M | 14.74M | 11.27M | 10.54M |
| Gross Profit | 11.83M | 10.42M | 9.17M | 9.11M | 9.72M | 9.80M |
| EBITDA | 2.97M | 2.44M | 1.74M | 1.24M | 2.69M | 3.10M |
| Net Income | 2.61M | 1.87M | 1.31M | 1.02M | 2.12M | 2.34M |
Balance Sheet | ||||||
| Total Assets | 366.00M | 349.19M | 312.38M | 312.91M | 280.50M | 241.56M |
| Cash, Cash Equivalents and Short-Term Investments | 34.73M | 33.87M | 9.20M | 13.47M | 3.75M | 4.86M |
| Total Debt | 31.83M | 54.81M | 60.78M | 56.26M | 31.58M | 5.00M |
| Total Liabilities | 354.83M | 336.02M | 302.92M | 303.40M | 272.47M | 220.03M |
| Stockholders Equity | 11.16M | 13.17M | 9.46M | 9.51M | 8.02M | 21.53M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 2.20M | 2.45M | -417.92K | 249.01K | 642.58K |
| Operating Cash Flow | 0 | 2.40M | 2.66M | 1.42M | 2.73M | 706.80K |
| Investing Cash Flow | 0 | -10.53M | -6.13M | -21.75M | -55.24M | -31.07M |
| Financing Cash Flow | 0 | 32.80M | -804.75K | 30.06M | 51.39M | 30.34M |
Third Century Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TDCB, the sentiment is Negative. The current price of 15.40 is below the 20-day moving average (MA) of 15.93, below the 50-day MA of 16.63, and above the 200-day MA of 15.37, indicating a neutral trend. The MACD of -0.35 indicates Positive momentum. The RSI at 22.01 is Positive, neither overbought nor oversold. The STOCH value of 47.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TDCB.
Third Century Bancorp Peers Comparison
Overall Rating
KFFB62Neutral- TDCB57Neutral
GLBZ52Neutral
SHFS39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| TDCB | 57Neutral | $18.18M | 7.01 | 19.26% | 1.36% | 11.37% | 44.09% |
| GLBZ | 52Neutral | $12.19M | -76.49 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 39Underperform | $1.55M | -0.01 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TDCB | Third Century Bancorp | 15.40 | 6.69 | 76.83% | |
| CARV | Carver Bancorp | 1.85 | -1.14 | -38.13% | |
| GLBZ | Glen Burnie | 4.17 | -0.52 | -10.98% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| SHFS | Shf Holdings Inc. | 0.06 | -29.82 | -99.79% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.50 | 31.95% |
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: Sep 19, 2026