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Third Century BancorpTDCB 41 EV-to-FCF is 19.90 as of Aug. 01, 2026, which is 38% below its 10-year median of 32.31. GuruFocus rates TDCB with a GF Score™ of 41/100 and a GF Value™ of $9.80 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,191 Banks companies, Third Century Bancorp ranks worse than 81.28% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Third Century Bancorp's Enterprise Value is $43.71 Mil.
Third Century Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.20 Mil. Therefore, Third Century Bancorp's EV-to-FCF for today is 19.90.
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: 32.31 Max: 160.89
Current: 19.9
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 32.31.
TDCB's EV-to-FCF is ranked worse than 81.28% of 1191
companies
in the Banks industry
Industry Median: 7.15
vs TDCB: 19.90
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 (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:
Third Century Bancorp's share price for today is $19.48.
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 $1.610.
* 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.
* 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.
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.
Third Century Bancorp's current Enterprise Value is $43.71 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Third Century Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2.20 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.
Third Century Bancorp (TDCB) has a EV-to-FCF of 19.90 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Third Century Bancorp and its competitors. This is 38% below median its historical median of 32.31. According to the industry distribution chart, Third Century Bancorp ranks #968 out of 1191 companies in the Banks industry, placing it in the top 81.3%.
Is Third Century Bancorp's EV-to-FCF too high?
Third Century Bancorp's current EV-to-FCF of 19.90 is 38% below median its 10-year median of 32.31. The Banks industry median EV-to-FCF is 7.15. Third Century Bancorp's value of 19.90 is 178.3% above this industry median. Based on the distribution chart, Third Century Bancorp ranks #968 out of 1191 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 EV-to-FCF compare to TVLF and UNTN?
According to the Banks industry distribution chart, Third Century Bancorp ranks #968 out of 1191 companies for EV-to-FCF. This places Third Century Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.15. Third Century Bancorp's value of 19.90 is 178.3% above this benchmark. While the company's 10-year median is 32.31 vs. the industry median of 7.15, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.15, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Century Bancorp's current EV-to-FCF of 19.90 is 178.3% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Third Century Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current EV-to-FCF is 19.90, which is 38% below median its own 10-year median of 32.31. 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 $9.80, compared to a current price of $19.48 — trading 98.8% above its estimated fair value. The current EV-to-FCF is 19.90, which is 38% below median its 10-year median of 32.31 and 178.3% above the Banks industry median of 7.15. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current EV-to-FCF is 19.90 as of Aug. 01, 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 Third Century Bancorp (TDCB) Overvalued in 2026?
Based on GuruFocus' analysis, Third Century Bancorp stock appears to be overvalued.
The current stock price of $19.48 is trading 98.8% above its estimated GF Value™ of $9.80.
GuruFocus considers Third Century Bancorp to be Significantly Overvalued.
Key valuation signals for TDCB:
EV-to-FCF: 19.90 (38% below median its 10-year median of 32.31)
GF Value™: $9.80 vs. price of $19.48 (98.8% above fair value)
Industry Position: 178.3% above the Banks median (#968 of 1191)
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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