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Town Center Bank ILTCNB -3.14%67 PB Ratio is 0.84 as of Jul. 21, 2026, which is 25% above its 10-year median of 0.67. 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. Among 1,514 Banks companies, Town Center Bank IL ranks better than 69.88% on this metric.
Town Center Bank IL stock PB Ratio (=0.86) is close to 5-year high of 0.9.
The historical rank and industry rank for Town Center Bank IL's PB Ratio or its related term are showing as below:
TCNB'
s PB Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.67 Max: 1.01
Current: 0.84
During the past 13 years, Town Center Bank IL's highest PB Ratio was 1.01. The lowest was 0.41. And the median was 0.67.
TCNB's PB Ratio is ranked better than 69.88% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs TCNB: 0.84
During the past 12 months, Town Center Bank IL's average Book Value Per Share Growth Rate was 8.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Town Center Bank IL was 15.90% per year. The lowest was 0.90% per year. And the median was 5.50% per year.
Back to Basics: PB Ratio
Town Center Bank IL (OTCPK:TCNB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Town Center Bank IL PB Ratio Related Terms
Town Center Bank IL PB Ratio Historical Data
* Premium members only.
The historical data trend for Town Center Bank IL's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Town Center Bank IL's PB Ratio distribution charts can be found below:
* The bar in red indicates where Town Center Bank IL's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Town Center Bank IL (TCNB) has a PB Ratio of 0.84 as of Jul. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Town Center Bank IL and its competitors. This is 25% above median its historical median of 0.67. Over the past decade, Town Center Bank IL's PB Ratio has ranged from 0.41 to 1.01. According to the industry distribution chart, Town Center Bank IL ranks #456 out of 1514 companies in the Banks industry, placing it in the top 30.1%.
Is Town Center Bank IL's PB Ratio too high?
Town Center Bank IL's current PB Ratio of 0.84 is 25% above median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.01. The Banks industry median PB Ratio is 1.11. Town Center Bank IL's value of 0.84 is 24.3% below this industry median. Based on the distribution chart, Town Center Bank IL ranks #456 out of 1514 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 PB Ratio compare to CCYY and FIDS?
According to the Banks industry distribution chart, Town Center Bank IL ranks #456 out of 1514 companies for PB Ratio. This puts Town Center Bank IL in the upper half of its industry. The industry median PB Ratio is 1.11. Town Center Bank IL's value of 0.84 is 24.3% below this benchmark. Historically, Town Center Bank IL's own PB Ratio has ranged from 0.41 to 1.01 over the past decade. While the company's 10-year median is 0.67 vs. the industry median of 1.11, Town Center Bank IL 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Town Center Bank IL's current PB Ratio of 0.84 is 24.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Town Center Bank IL and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Town Center Bank IL's current PB Ratio is 0.84, which is 25% above median its own 10-year median of 0.67. 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 PB Ratio is 0.84, which is 25% above median its 10-year median of 0.67 and 24.3% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Town Center Bank IL (TCNB), the current PB Ratio is 0.84 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:
PB Ratio: 0.84 (25% above median its 10-year median of 0.67)
GF Value™: $6.48 vs. price of $7.41 (14.4% above fair value)
Industry Position: 24.3% below the Banks median (#456 of 1514)
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
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