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Third Century BancorpTDCB -1.80%41 FCF Margin % is 20.67% as of Dec. 2025, which is 238% above its 10-year median of 6.11. GuruFocus rates TDCB with a GF Score™ of 41/100 and a GF Value™ of $9.79 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,502 Banks companies, Third Century Bancorp ranks worse than 58.19% on this metric.
The historical rank and industry rank for Third Century Bancorp's FCF Margin % or its related term are showing as below:
TDCB'
s FCF Margin % Range Over the Past 10 Years
Min: -7.63 Med: 6.11 Max: 26.66
Current: 20.67
During the past 10 years, the highest FCF Margin % of Third Century Bancorp was 26.66%. The lowest was -7.63%. And the median was 6.11%.
TDCB's FCF Margin % is ranked worse than 58.19% of 1502
companies
in the Banks industry
Industry Median: 26.605
vs TDCB: 20.67
Third Century Bancorp FCF Margin % Related Terms
Third Century Bancorp FCF Margin % Historical Data
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The historical data trend for Third Century Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Third Century Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp's FCF Margin % 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 FCF Margin % of 20.67% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Third Century Bancorp and its competitors. This is 238% above median its historical median of 6.11. According to the industry distribution chart, Third Century Bancorp ranks #874 out of 1502 companies in the Banks industry, placing it in the top 58.2%.
Is Third Century Bancorp's FCF Margin % too high?
Third Century Bancorp's current FCF Margin % of 20.67% is 238% above median its 10-year median of 6.11. The Banks industry median FCF Margin % is 26.61. Third Century Bancorp's value of 20.67% is 22.3% below this industry median. Based on the distribution chart, Third Century Bancorp ranks #874 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to UNTN and CIBN?
According to the Banks industry distribution chart, Third Century Bancorp ranks #874 out of 1502 companies for FCF Margin %. This places Third Century Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.61. Third Century Bancorp's value of 20.67% is 22.3% below this benchmark. While the company's 10-year median is 6.11 vs. the industry median of 26.61, Third Century Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.61, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Century Bancorp's current FCF Margin % of 20.67% is 22.3% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Third Century Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current FCF Margin % is 20.67%, which is 238% above median its own 10-year median of 6.11. 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 $9.79, compared to a current price of $17.49 — trading 78.7% above its estimated fair value. The current FCF Margin % is 20.67%, which is 238% above median its 10-year median of 6.11 and 22.3% below the Banks industry median of 26.61. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current FCF Margin % is 20.67% 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 $17.49 is trading 78.7% above its estimated GF Value™ of $9.79.
GuruFocus considers Third Century Bancorp to be Significantly Overvalued.
Key valuation signals for TDCB:
FCF Margin %: 20.67% (238% above median its 10-year median of 6.11)
GF Value™: $9.79 vs. price of $17.49 (78.7% above fair value)
Industry Position: 22.3% below the Banks median (#874 of 1502)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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