TCNB (Town Center Bank IL) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 21, 2026)

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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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Charlie Tian
Founder & CEO of GuruFocus
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.

TCNB Town Center Bank IL TCNB
67 GF Score
Price $7.41
GF Value $6.48
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Town Center Bank IL Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-21), Town Center Bank IL's Predictability Rank is 4-Stars. Town Center Bank IL's intrinsic value calculated from the Discounted Dividend model is $17.88 and current share price is $7.41. Consequently,

Town Center Bank IL's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is N/A.

TCNB vs CCYY, FIDS, CRZY: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Town Center Bank IL's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Town Center Bank IL's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Town Center Bank IL's Margin of Safety % (DCF Dividends Based) falls into.


TCNB
67GF Score
Town Center Bank IL TCNB
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Town Center Bank IL Margin of Safety % (DCF Dividends Based) Calculation

Town Center Bank IL's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(0.00-7.41)/0.00
=N/A

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

Is Town Center Bank IL (TCNB) Overvalued in 2026?

Based on GuruFocus' analysis, Town Center Bank IL stock appears to be overvalued. The current stock price of $7.41 is trading 14.4% above its estimated GF Value™ of $6.48. GuruFocus considers Town Center Bank IL to be Modestly Overvalued.

Key valuation signals for TCNB:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: $6.48 vs. price of $7.41 (14.4% above fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the TCNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Town Center Bank IL Business Description

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.
67GF Score

Get the complete analysis for TCNB

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.41
Price
$6.48
GF Value