Third Century BancorpTDCB +6.06%47 Net Margin % is 17.61% as of Dec. 2025, which is 24% above its 10-year median of 14.16. GuruFocus rates TDCB with a GF Score™ of 47/100 and a GF Value™ of $9.77 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Third Century Bancorp ranks worse than 75.95% on this metric.
The historical rank and industry rank for Third Century Bancorp's Net Margin % or its related term are showing as below:
TDCB'
s Net Margin % Range Over the Past 10 Years
Min: 8.11 Med: 14.16 Max: 23.89
Current: 17.61
TDCB's Net Margin % is ranked worse than 75.95% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs TDCB: 17.61
Third Century Bancorp (OTCPK:TDCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Third Century Bancorp Net Margin % Related Terms
Third Century Bancorp Net Margin % Historical Data
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The historical data trend for Third Century Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp's Net 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 Net Margin % of 17.61% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Third Century Bancorp and its competitors. This is 24% above median its historical median of 14.16. Over the past decade, Third Century Bancorp's Net Margin % has ranged from 8.11 to 23.89. According to the industry distribution chart, Third Century Bancorp ranks #1159 out of 1526 companies in the Banks industry, placing it in the top 76%.
Is Third Century Bancorp's Net Margin % too high?
Third Century Bancorp's current Net Margin % of 17.61% is 24% above median its 10-year median of 14.16. Over the past 10 years, this metric has ranged from a low of 8.11 to a high of 23.89. The Banks industry median Net Margin % is 26.97. Third Century Bancorp's value of 17.61% is 34.7% below this industry median. Based on the distribution chart, Third Century Bancorp ranks #1159 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to FIDS and CRZY?
According to the Banks industry distribution chart, Third Century Bancorp ranks #1159 out of 1526 companies for Net Margin %. This places Third Century Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. Third Century Bancorp's value of 17.61% is 34.7% below this benchmark. Historically, Third Century Bancorp's own Net Margin % has ranged from 8.11 to 23.89 over the past decade. While the company's 10-year median is 14.16 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Century Bancorp's current Net Margin % of 17.61% is 34.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Third Century Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current Net Margin % is 17.61%, which is 24% above median its own 10-year median of 14.16. 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 $9.77, compared to a current price of $17.50 — trading 79.1% above its estimated fair value. The current Net Margin % is 17.61%, which is 24% above median its 10-year median of 14.16 and 34.7% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current Net Margin % is 17.61% 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 $17.50 is trading 79.1% above its estimated GF Value™ of $9.77.
GuruFocus considers Third Century Bancorp to be Significantly Overvalued.
Key valuation signals for TDCB:
Net Margin %: 17.61% (24% above median its 10-year median of 14.16)
GF Value™: $9.77 vs. price of $17.50 (79.1% above fair value)
Industry Position: 34.7% below the Banks median (#1159 of 1526)
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.
47GF Score
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