TDCB (Third Century Bancorp) Moat Score: 2/10 (As of Jul. 01, 2026)


TDCB Third Century Bancorp TDCB
47 GF Score
Price $15.52
GF Value $9.78
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Third Century Bancorp Moat Score?

Third Century Bancorp TDCB 47 Moat Score is 2 as of Jul. 01, 2026. GuruFocus rates TDCB with a GF Score™ of 47/100 and a GF Value™ of $9.78 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,611 Banks companies, Third Century Bancorp ranks better than 59.84% on this metric.

Third Century Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Third Century Bancorp has No Moat: Third Century Bancorp operates in a highly competitive banking sector with limited differentiation. It lacks significant market share, brand strength, or cost advantages, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Third Century Bancorp might have No Moat - Very weak/transient advantages.

Third Century Bancorp  (OTCPK:TDCB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Third Century Bancorp Moat Score Related Terms

TDCB vs UNTN, CIBN, GOVB: Moat Score Comparison

For the Banks - Regional subindustry, Third Century Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Third Century Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Third Century Bancorp's Moat Score falls into.


TDCB
47GF Score
Third Century Bancorp TDCB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Third Century Bancorp (TDCB) has a Moat Score of 2 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Third Century Bancorp ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is Third Century Bancorp's Moat Score too high?
Third Century Bancorp's current Moat Score is 2. Based on the distribution chart, Third Century Bancorp ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, Third Century Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Third Century Bancorp's Moat Score compare to UNTN and CIBN?
According to the Banks industry distribution chart, Third Century Bancorp ranks #647 out of 1611 companies for Moat Score. This puts Third Century Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Third Century Bancorp's current Moat Score is 2. 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 $9.78, compared to a current price of $15.52 — trading 58.7% above its estimated fair value. The current Moat Score is 2. Third Century Bancorp's overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current Moat Score is 2 as of Jul. 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 $15.52 is trading 58.7% above its estimated GF Value™ of $9.78. GuruFocus considers Third Century Bancorp to be Significantly Overvalued.

Key valuation signals for TDCB:

  • Moat Score: 2
  • GF Value™: $9.78 vs. price of $15.52 (58.7% above fair value)
  • GF Score™: 47/100 with 7 warning signs

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 Business Description

Address 80 East Jefferson Street, Franklin, IN, USA, 46131
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.
47GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.52
Price
$9.78
GF Value