TDCB (Third Century Bancorp) EV-to-FCF: (As of Sep. 16, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TDCB Third Century Bancorp TDCB
41 GF Score
Price $18.00
GF Value $9.84
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Third Century Bancorp EV-to-FCF?

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

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

TDCB' s EV-to-FCF Range Over the Past 10 Years
Min: -128.8   Med: 29.93   Max: 160.89
Current: 18.12

During the past 10 years, the highest EV-to-FCF of Third Century Bancorp was 160.89. The lowest was -128.80. And the median was 29.93.

TDCB's EV-to-FCF is ranked worse than
80.39% of 1178 companies
in the Banks industry
Industry Median: 7.43 vs TDCB: 18.12

EV-to-FCF 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 (2026-09-16), 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 $2.013. Therefore, Third Century Bancorp's PE Ratio (TTM) for today is 8.94.


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

EV-to-FCF 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)
=18.00/2.013
=8.94

Third Century Bancorp's share price for today is $18.00.
Third Century Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.013.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Third Century Bancorp EV-to-FCF Related Terms


Third Century Bancorp EV-to-FCF Historical Data

* Premium members only.

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

Third Century Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 25.90 -83.49 465.30 35.16 29.23

Third Century Bancorp Quarterly Data
Jun04 Dec04 Jun05 Dec05 Jun06 Dec06 Jun07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
EV-to-FCF 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 0.00 0.00 0.00 0.00 0.00

TDCB vs UNIF, UNTN, GOVB: EV-to-FCF Comparison

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

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

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


TDCB
41GF Score
Third Century Bancorp TDCB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Third Century Bancorp EV-to-FCF Calculation

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

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=39.793/0
=

Third Century Bancorp's current Enterprise Value is $39.79 Mil.
Third Century Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which 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 82.9% above its estimated GF Value™ of $9.84. GuruFocus considers Third Century Bancorp to be Significantly Overvalued.

Key valuation signals for TDCB:

  • EV-to-FCF:
  • GF Value™: $9.84 vs. price of $18.00 (82.9% above fair value)
  • GF Score™: 41/100 with 5 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.
41GF Score

Get the complete analysis for TDCB

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

$18.00
Price
$9.84
GF Value