TCNB (Town Center Bank IL) E10: $0.57 (As of Mar. 2026)

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TCNB Town Center Bank IL TCNB
67 GF Score
Price $7.41
GF Value $6.48
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Town Center Bank IL E10?

Town Center Bank IL TCNB -3.14% 67 E10 is $0.57 as of Mar. 2026. GuruFocus rates TCNB with a GF Score™ of 67/100 and a GF Value™ of $6.48 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Town Center Bank IL's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.130. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.57 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Town Center Bank IL's average E10 Growth Rate was 16.30% per year. 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 E10 growth rate using E10 data.

As of today (2026-07-21), Town Center Bank IL's current stock price is $7.41. Town Center Bank IL's E10 for the quarter that ended in Mar. 2026 was $0.57. Town Center Bank IL's Shiller PE Ratio of today is 13.00.

During the past 13 years, the highest Shiller PE Ratio of Town Center Bank IL was 14.60. The lowest was 6.25. And the median was 11.94.


Town Center Bank IL  (OTCPK:TCNB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Town Center Bank IL's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=7.41/0.57
=13.00

* 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 13 years, the highest Shiller P/E Ratio of Town Center Bank IL was 14.60. The lowest was 6.25. And the median was 11.94.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Town Center Bank IL E10 Related Terms


Town Center Bank IL E10 Historical Data

* Premium members only.

The historical data trend for Town Center Bank IL's E10 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.

Town Center Bank IL E10 Chart

Town Center Bank IL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.42 0.47 0.55

Town Center Bank IL Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.49 0.51 0.53 0.55 0.57

TCNB vs CCYY, FIDS, CRZY: E10 Comparison

For the Banks - Regional subindustry, Town Center Bank IL's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


Town Center Bank IL Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Town Center Bank IL's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Town Center Bank IL's Shiller PE Ratio falls into.


TCNB
67GF Score
Town Center Bank IL TCNB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Town Center Bank IL E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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, Town Center Bank IL's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.13/330.2130*330.2130
=0.130

Current CPI (Mar. 2026) = 330.2130.

Town Center Bank IL Quarterly Data

per share eps CPI Adj_EPS
201603 0.030 238.132 0.042
201606 0.010 241.018 0.014
201609 0.230 241.428 0.315
201612 0.030 241.432 0.041
201703 0.010 243.801 0.014
201706 0.040 244.955 0.054
201709 0.030 246.819 0.040
201712 -0.020 246.524 -0.027
201803 0.080 249.554 0.106
201806 0.030 251.989 0.039
201809 0.050 252.439 0.065
201812 0.580 251.233 0.762
201903 0.030 254.202 0.039
201906 0.050 256.143 0.064
201909 0.020 256.759 0.026
201912 0.860 256.974 1.105
202003 0.030 258.115 0.038
202006 0.140 257.797 0.179
202009 0.100 260.280 0.127
202012 0.040 260.474 0.051
202103 0.160 264.877 0.199
202106 -0.040 271.696 -0.049
202109 0.400 274.310 0.482
202112 0.170 278.802 0.201
202203 0.070 287.504 0.080
202206 -0.390 296.311 -0.435
202212 0.000 296.797 0.000
202303 0.120 301.836 0.131
202306 0.100 305.109 0.108
202309 0.090 307.789 0.097
202312 0.140 306.746 0.151
202403 0.140 312.332 0.148
202406 0.150 314.175 0.158
202409 0.170 315.301 0.178
202412 0.180 315.605 0.188
202503 0.140 319.799 0.145
202506 0.150 322.561 0.154
202509 0.180 324.800 0.183
202512 0.190 324.054 0.194
202603 0.130 330.213 0.130

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.57 mean?
Town Center Bank IL (TCNB) has a E10 of $0.57 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Town Center Bank IL and its competitors.
Is Town Center Bank IL's E10 too high?
Town Center Bank IL's current E10 is $0.57. Overall, Town Center Bank IL has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Town Center Bank IL's E10 compare to CCYY and FIDS?
Town Center Bank IL's E10 of $0.57 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Town Center Bank IL and its competitors. Town Center Bank IL's current E10 is $0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Town Center Bank IL stock overvalued right now?
Based on GuruFocus' analysis, Town Center Bank IL (TCNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $6.48, compared to a current price of $7.41 — trading 14.4% above its estimated fair value. The current E10 is $0.57. Town Center Bank IL's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Town Center Bank IL (TCNB), the current E10 is $0.57 as of Mar. 2026. 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 Town Center Bank IL (TCNB) Overvalued in 2026?

Based on GuruFocus' analysis, Town Center Bank IL stock appears to be overvalued. The current stock price of $7.41 is trading 14.4% above its estimated GF Value™ of $6.48. GuruFocus considers Town Center Bank IL to be Modestly Overvalued.

Key valuation signals for TCNB:

  • E10: $0.57
  • GF Value™: $6.48 vs. price of $7.41 (14.4% above fair value)
  • GF Score™: 67/100 with 5 warning signs

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


Town Center Bank IL Business Description

Address 1938 E. Lincoln Highway, Unit 201, New Lenox, IL, USA, 60451
Town Center Bank IL provides banking products and services to families, businesses, and organizations in Illinois. The company's products include checking, savings, and term certificate accounts, and its lending products include residential mortgages, commercial real estate, construction, land development, and consumer loans. Other financial instruments offered by the bank include loan commitments, credit lines, letters of credit, and overdraft protection.
67GF Score

Get the complete analysis for TCNB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.41
Price
$6.48
GF Value