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The historical rank and industry rank for Town Center Bank IL's OCF Margin % or its related term are showing as below:
TCNB'
s OCF Margin % Range Over the Past 10 Years
Min: 5.49 Med: 22.68 Max: 38.1
Current: 29.63
During the past 13 years, the highest OCF Margin % of Town Center Bank IL was 38.10%. The lowest was 5.49%. And the median was 22.68%.
TCNB's OCF Margin % is ranked better than 50.33% of 1498
companies
in the Banks industry
Industry Median: 29.53
vs TCNB: 29.63
Town Center Bank IL OCF Margin % Related Terms
Town Center Bank IL OCF Margin % Historical Data
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The historical data trend for Town Center Bank IL's OCF 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, Town Center Bank IL's OCF Margin %, along with its competitors' market caps and OCF 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.
Town Center Bank IL OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Town Center Bank IL's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Town Center Bank IL's OCF 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.
Town Center Bank IL (TCNB) has a OCF Margin % of 0.00% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Town Center Bank IL and its competitors. Over the past decade, Town Center Bank IL's OCF Margin % has ranged from 5.49 to 38.10. According to the industry distribution chart, Town Center Bank IL ranks #744 out of 1498 companies in the Banks industry, placing it in the top 49.7%.
Is Town Center Bank IL's OCF Margin % too high?
Town Center Bank IL's current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 5.49 to a high of 38.10. Based on the distribution chart, Town Center Bank IL ranks #744 out of 1498 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to CCYY and FIDS?
According to the Banks industry distribution chart, Town Center Bank IL ranks #744 out of 1498 companies for OCF Margin %. This puts Town Center Bank IL in the upper half of its industry. The industry median OCF Margin % is 29.53. Historically, Town Center Bank IL's own OCF Margin % has ranged from 5.49 to 38.10 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.53, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Town Center Bank IL and its competitors. For the Banks industry, the median OCF Margin % is 29.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Town Center Bank IL's current OCF Margin % is 0.00%. 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 OCF Margin % is 0.00%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Town Center Bank IL (TCNB), the current OCF Margin % is 0.00% as of Mar. 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:
OCF Margin %: 0.00%
GF Value™: $6.48 vs. price of $7.41 (14.4% above fair value)
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 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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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