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Third Century BancorpTDCB 41 Debt-to-Equity is 4.16 as of Dec. 2025, which is 6% above its 10-year median of 3.94. GuruFocus rates TDCB with a GF Score™ of 41/100 and a GF Value™ of $9.81 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,422 Banks companies, Third Century Bancorp ranks worse than 95.43% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Third Century Bancorp's Debt-to-Equity or its related term are showing as below:
TDCB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.23 Med: 3.94 Max: 6.43
Current: 4.16
During the past 10 years, the highest Debt-to-Equity Ratio of Third Century Bancorp was 6.43. The lowest was 0.23. And the median was 3.94.
TDCB's Debt-to-Equity is ranked worse than 95.43% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs TDCB: 4.16
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Third Century Bancorp Debt-to-Equity Related Terms
Third Century Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Third Century Bancorp's Debt-to-Equity 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.
TDCB vs TVLF, UNTN, CIBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Third Century Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp's Debt-to-Equity falls into.
* 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 (TDCB) has a Debt-to-Equity of 4.16 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Third Century Bancorp and its competitors. This is near median its historical median of 3.94. Over the past decade, Third Century Bancorp's Debt-to-Equity has ranged from 0.23 to 6.43. According to the industry distribution chart, Third Century Bancorp ranks #1357 out of 1422 companies in the Banks industry, placing it in the top 95.4%.
Is Third Century Bancorp's Debt-to-Equity too high?
Third Century Bancorp's current Debt-to-Equity of 4.16 is near median its 10-year median of 3.94. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 6.43. The Banks industry median Debt-to-Equity is 0.58. Third Century Bancorp's value of 4.16 is 617.2% above this industry median. Based on the distribution chart, Third Century Bancorp ranks #1357 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Third Century Bancorp has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Third Century Bancorp's Debt-to-Equity compare to TVLF and UNTN?
According to the Banks industry distribution chart, Third Century Bancorp ranks #1357 out of 1422 companies for Debt-to-Equity. This places Third Century Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Third Century Bancorp's value of 4.16 is 617.2% above this benchmark. Historically, Third Century Bancorp's own Debt-to-Equity has ranged from 0.23 to 6.43 over the past decade. While the company's 10-year median is 3.94 vs. the industry median of 0.58, Third Century Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Century Bancorp's current Debt-to-Equity of 4.16 is 617.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Third Century Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current Debt-to-Equity is 4.16, which is near median its own 10-year median of 3.94. 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 $9.81, compared to a current price of $19.40 — trading 97.8% above its estimated fair value. The current Debt-to-Equity is 4.16, which is near median its 10-year median of 3.94 and 617.2% above the Banks industry median of 0.58. Third Century Bancorp's overall GF Score™ is 41/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current Debt-to-Equity is 4.16 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 $19.40 is trading 97.8% above its estimated GF Value™ of $9.81.
GuruFocus considers Third Century Bancorp to be Significantly Overvalued.
Key valuation signals for TDCB:
Debt-to-Equity: 4.16 (near median its 10-year median of 3.94)
GF Value™: $9.81 vs. price of $19.40 (97.8% above fair value)
Industry Position: 617.2% above the Banks median (#1357 of 1422)
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 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.
41GF Score
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