TCNB (Town Center Bank IL) Margin of Safety % (DCF FCF Based): 73.05% (As of Jul. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
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
View Full Analysis

What is Town Center Bank IL Margin of Safety % (DCF FCF Based)?

Town Center Bank IL TCNB -3.14% 67 Margin of Safety % (DCF FCF Based) is 73.05% as of Jul. 21, 2026. GuruFocus rates TCNB with a GF Score™ of 67/100 and a GF Value™ of $6.48 (Modestly Overvalued). The stock has 5 warning signs investors should review.

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

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and 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 FCF model is $17.88 and current share price is $7.41. Consequently,

Town Center Bank IL's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 73.05%.

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

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

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

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


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

Town Center Bank IL Margin of Safety % (DCF FCF Based) Calculation

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

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(27.50-7.41)/27.50
=73.05 %

* 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 FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 73.05% mean?
Town Center Bank IL (TCNB) has a Margin of Safety % (DCF FCF Based) of 73.05% as of Jul. 21, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Town Center Bank IL.
Is Town Center Bank IL's Margin of Safety % (DCF FCF Based) too high?
Town Center Bank IL's current Margin of Safety % (DCF FCF Based) is 73.05%. Overall, Town Center Bank IL has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Town Center Bank IL's Margin of Safety % (DCF FCF Based) compare to CCYY and FIDS?
Town Center Bank IL's Margin of Safety % (DCF FCF Based) of 73.05% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Town Center Bank IL. Town Center Bank IL's current Margin of Safety % (DCF FCF Based) is 73.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Town Center Bank IL stock overvalued right now?
Based on GuruFocus' analysis, Town Center Bank IL (TCNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $6.48, compared to a current price of $7.41 — trading 14.4% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 73.05%. Town Center Bank IL's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Town Center Bank IL (TCNB), the current Margin of Safety % (DCF FCF Based) is 73.05% as of Jul. 21, 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 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 FCF Based): 73.05%
  • 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 FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.41
Price
$6.48
GF Value