Third Century BancorpTDCB +6.06%47 PB Ratio is 1.55 as of Jun. 26, 2026, which is 61% above its 10-year median of 0.96. 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 1,515 Banks companies, Third Century Bancorp ranks worse than 76.5% on this metric.
Third Century Bancorp stock PB Ratio (=1.43) is close to 10-year high of 1.52.
The historical rank and industry rank for Third Century Bancorp's PB Ratio or its related term are showing as below:
TDCB'
s PB Ratio Range Over the Past 10 Years
Min: 0.47 Med: 0.96 Max: 1.55
Current: 1.55
During the past 10 years, Third Century Bancorp's highest PB Ratio was 1.55. The lowest was 0.47. And the median was 0.96.
TDCB's PB Ratio is ranked worse than 76.5% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs TDCB: 1.55
During the past 12 months, Third Century Bancorp's average Book Value Per Share Growth Rate was 40.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -11.90% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Third Century Bancorp was 17.90% per year. The lowest was -23.90% per year. And the median was 2.50% per year.
Back to Basics: PB Ratio
Third Century Bancorp (OTCPK:TDCB) 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.
* 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 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.
Third Century Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp'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.
Third Century Bancorp (TDCB) has a PB Ratio of 1.55 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Third Century Bancorp and its competitors. This is 61% above median its historical median of 0.96. Over the past decade, Third Century Bancorp's PB Ratio has ranged from 0.47 to 1.55. According to the industry distribution chart, Third Century Bancorp ranks #1159 out of 1515 companies in the Banks industry, placing it in the top 76.5%.
Is Third Century Bancorp's PB Ratio too high?
Third Century Bancorp's current PB Ratio of 1.55 is 61% above median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.55. The Banks industry median PB Ratio is 1.08. Third Century Bancorp's value of 1.55 is 43.5% above this industry median. Based on the distribution chart, Third Century Bancorp ranks #1159 out of 1515 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 PB Ratio compare to FIDS and CRZY?
According to the Banks industry distribution chart, Third Century Bancorp ranks #1159 out of 1515 companies for PB Ratio. This places Third Century Bancorp in the lower half of its industry. The industry median PB Ratio is 1.08. Third Century Bancorp's value of 1.55 is 43.5% above this benchmark. Historically, Third Century Bancorp's own PB Ratio has ranged from 0.47 to 1.55 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 1.08, Third Century Bancorp has consistently been above 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 1.08, based on 1,515 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. Third Century Bancorp's current PB Ratio of 1.55 is 43.5% above 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 Third Century Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current PB Ratio is 1.55, which is 61% above median its own 10-year median of 0.96. 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 PB Ratio is 1.55, which is 61% above median its 10-year median of 0.96 and 43.5% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current PB Ratio is 1.55 as of Jun. 26, 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 $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:
PB Ratio: 1.55 (61% above median its 10-year median of 0.96)
GF Value™: $9.77 vs. price of $17.50 (79.1% above fair value)
Industry Position: 43.5% above the Banks median (#1159 of 1515)
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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