TDCB (Third Century Bancorp) EV-to-OCF: (As of Aug. 18, 2026)

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Director of Data and Quant Analytics at GuruFocus
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TDCB Third Century Bancorp TDCB
47 GF Score
Price $18.00
GF Value $9.82
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Third Century Bancorp EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Third Century Bancorp's Enterprise Value is $39.79 Mil. Third Century Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil. Therefore, Third Century Bancorp's EV-to-OCF for today is .

The historical rank and industry rank for Third Century Bancorp's EV-to-OCF or its related term are showing as below:

TDCB' s EV-to-OCF Range Over the Past 10 Years
Min: 12.86   Med: 23.97   Max: 38.02
Current: 16.62

During the past 10 years, the highest EV-to-OCF of Third Century Bancorp was 38.02. The lowest was 12.86. And the median was 23.97.

TDCB's EV-to-OCF is ranked worse than
84.39% of 1499 companies
in the Banks industry
Industry Median: 3.92 vs TDCB: 16.62

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-18), Third Century Bancorp's stock price is $18.00. Third Century Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.140. Therefore, Third Century Bancorp's PE Ratio (TTM) for today is 15.79.


Third Century Bancorp  (OTCPK:TDCB) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Third Century Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=18.00/1.140
=15.79

Third Century Bancorp's share price for today is $18.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Third Century Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.140.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Third Century Bancorp EV-to-OCF Related Terms


Third Century Bancorp EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Third Century Bancorp's EV-to-OCF 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 EV-to-OCF Chart

Third Century Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 29.39 14.32 36.11 23.35 13.31

Third Century Bancorp Semi-Annual Data
Jun04 Dec04 Jun05 Dec05 Jun06 Dec06 Jun07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
EV-to-OCF 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 14.32 36.11 23.35 13.31 0.00

TDCB vs TVLF, UNTN, CIBN: EV-to-OCF Comparison

For the Banks - Regional subindustry, Third Century Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Third Century Bancorp's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Third Century Bancorp's EV-to-OCF falls into.


TDCB
47GF Score
Third Century Bancorp TDCB
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Third Century Bancorp EV-to-OCF Calculation

Third Century Bancorp's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=39.793/0
=

Third Century Bancorp's current Enterprise Value is $39.79 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Third Century Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.

* 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.

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 $18.00 is trading 83.3% above its estimated GF Value™ of $9.82. GuruFocus considers Third Century Bancorp to be Significantly Overvalued.

Key valuation signals for TDCB:

  • EV-to-OCF:
  • GF Value™: $9.82 vs. price of $18.00 (83.3% above fair value)
  • GF Score™: 47/100 with 2 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

Get the complete analysis for TDCB

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

$18.00
Price
$9.82
GF Value