TDCB (Third Century Bancorp) Cyclically Adjusted Revenue per Share: $7.91 (As of Dec. 2025)


TDCB Third Century Bancorp TDCB
47 GF Score
Price $17.19
GF Value $9.79
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Third Century Bancorp Cyclically Adjusted Revenue per Share?

Third Century Bancorp TDCB +10.76% 47 Cyclically Adjusted Revenue per Share is $7.91 as of Dec. 2025. GuruFocus rates TDCB with a GF Score™ of 47/100 and a GF Value™ of $9.79 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Third Century Bancorp's adjusted revenue per share data for the fiscal year that ended in Dec. 2025 was $9.149. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $7.91 for the trailing ten years ended in Dec. 2025.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-13), Third Century Bancorp's current stock price is $ 17.19. Third Century Bancorp's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec. 2025 was $7.91. Third Century Bancorp's Cyclically Adjusted PS Ratio of today is 2.17.

During the past 10 years, the highest Cyclically Adjusted PS Ratio of Third Century Bancorp was 2.21. The lowest was 1.15. And the median was 1.89.


Third Century Bancorp  (OTCPK:TDCB) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Third Century Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=17.19/7.91
=2.17

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 10 years, the highest Cyclically Adjusted PS Ratio of Third Century Bancorp was 2.21. The lowest was 1.15. And the median was 1.89.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Third Century Bancorp Cyclically Adjusted Revenue per Share Related Terms


Third Century Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Third Century Bancorp's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Third Century Bancorp Cyclically Adjusted Revenue per Share Chart

Third Century Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 7.91

Third Century Bancorp Semi-Annual Data
Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 7.91

TDCB vs UNTN, CIBN, GOVB: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Third Century Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Third Century Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Third Century Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Third Century Bancorp's Cyclically Adjusted PS Ratio falls into.


TDCB
47GF Score
Third Century Bancorp TDCB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Third Century Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Third Century Bancorp's adjusted Revenue per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_RevenuePerShare=Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=9.149/324.0540*324.0540
=9.149

Current CPI (Dec. 2025) = 324.0540.

Third Century Bancorp Annual Data

Revenue per Share CPI Adj_RevenuePerShare
200412 3.064 190.300 5.218
200512 3.648 196.800 6.007
200612 3.800 201.800 6.102
201912 5.995 256.974 7.560
202012 7.951 260.474 9.892
202112 8.315 278.802 9.665
202212 8.342 296.797 9.108
202312 7.836 306.746 8.278
202412 7.886 315.605 8.097
202512 9.149 324.054 9.149

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $7.91 mean?
Third Century Bancorp (TDCB) has a Cyclically Adjusted Revenue per Share of $7.91 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Third Century Bancorp and its competitors.
Is Third Century Bancorp's Cyclically Adjusted Revenue per Share too high?
Third Century Bancorp's current Cyclically Adjusted Revenue per Share is $7.91. Overall, Third Century Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Third Century Bancorp's Cyclically Adjusted Revenue per Share compare to UNTN and CIBN?
Third Century Bancorp's Cyclically Adjusted Revenue per Share of $7.91 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Third Century Bancorp and its competitors. Third Century Bancorp's current Cyclically Adjusted Revenue per Share is $7.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Third Century Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Third Century Bancorp (TDCB) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.79, compared to a current price of $17.19 — trading 75.6% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $7.91. Third Century Bancorp's overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current Cyclically Adjusted Revenue per Share is $7.91 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Third Century Bancorp (TDCB) Overvalued in 2026?

Based on GuruFocus' analysis, Third Century Bancorp stock appears to be overvalued. The current stock price of $17.19 is trading 75.6% above its estimated GF Value™ of $9.79. GuruFocus considers Third Century Bancorp to be Significantly Overvalued.

Key valuation signals for TDCB:

  • Cyclically Adjusted Revenue per Share: $7.91
  • GF Value™: $9.79 vs. price of $17.19 (75.6% above fair value)
  • GF Score™: 47/100 with 7 warning signs

No single metric tells the full story. See the TDCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Third Century Bancorp Business Description

Address 80 East Jefferson Street, Franklin, IN, USA, 46131
Third Century Bancorp operates as a holding company. It provides banking and financial services to individual and corporate customers. The bank offers a variety of deposit products, loans, mortgages, residential, commercial and consumer lending products. It also offers a full suite of deposit products, including savings, checking, money market accounts, as well as term deposits in the form of CDs and IRAs. The Bank also offers and supports a full line of digital banking products.
47GF Score

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Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.19
Price
$9.79
GF Value