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TCNB (Town Center Bank IL) Intrinsic Value: Projected FCF : $11.87 (As of Jun. 19, 2025)


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What is Town Center Bank IL Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2025-06-19), Town Center Bank IL's Intrinsic Value: Projected FCF is $11.87. The stock price of Town Center Bank IL is $5.98. Therefore, Town Center Bank IL's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.

The historical rank and industry rank for Town Center Bank IL's Intrinsic Value: Projected FCF or its related term are showing as below:

TCNB' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.29   Med: 0.51   Max: 0.81
Current: 0.5

During the past 11 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Town Center Bank IL was 0.81. The lowest was 0.29. And the median was 0.51.

TCNB's Price-to-Projected-FCF is ranked worse than
50.27% of 1313 companies
in the Banks industry
Industry Median: 0.49 vs TCNB: 0.50

Town Center Bank IL Intrinsic Value: Projected FCF Historical Data

The historical data trend for Town Center Bank IL's Intrinsic Value: Projected 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.

* Premium members only.

Town Center Bank IL Intrinsic Value: Projected FCF Chart

Town Center Bank IL Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.57 8.10 10.92 10.53 11.87

Town Center Bank IL Quarterly Data
Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Intrinsic Value: Projected 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 11.87 - - -

Competitive Comparison of Town Center Bank IL's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Town Center Bank IL's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.


Town Center Bank IL's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Town Center Bank IL's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Town Center Bank IL's Price-to-Projected-FCF falls into.


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Town Center Bank IL Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get Town Center Bank IL's Free Cash Flow(6 year avg) = $1.11.

Town Center Bank IL's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Dec23)*0.8)/Shares Outstanding (Diluted Average)
=(12.782718065916*1.1072857142857+16.927*0.8)/2.334
=11.87

* 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  (OTCPK:TCNB) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Town Center Bank IL's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=5.98/11.866204414795
=0.50

* 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 Intrinsic Value: Projected FCF Related Terms

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Town Center Bank IL Business Description

Traded in Other Exchanges
N/A
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.

Town Center Bank IL Headlines

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