Third Century BancorpTDCB 41 Pretax Margin % is 19.48% as of Dec. 2025, which is 5% above its 10-year median of 18.61. GuruFocus rates TDCB with a GF Score™ of 41/100 and a GF Value™ of $9.77 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Third Century Bancorp ranks worse than 81.6% on this metric.
The historical rank and industry rank for Third Century Bancorp's Pretax Margin % or its related term are showing as below:
TDCB'
s Pretax Margin % Range Over the Past 10 Years
Min: 9.99 Med: 18.61 Max: 27.64
Current: 19.48
TDCB's Pretax Margin % is ranked worse than 81.6% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs TDCB: 19.48
Third Century Bancorp (OTCPK:TDCB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Third Century Bancorp Pretax Margin % Related Terms
Third Century Bancorp Pretax Margin % Historical Data
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The historical data trend for Third Century Bancorp's Pretax 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.
TDCB vs FIDS, CRZY, TVLF: Pretax Margin % Comparison
For the Banks - Regional subindustry, Third Century Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp's Pretax 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 Pretax Margin % of 19.48% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Third Century Bancorp and its competitors. This is near median its historical median of 18.61. Over the past decade, Third Century Bancorp's Pretax Margin % has ranged from 9.99 to 27.64. According to the industry distribution chart, Third Century Bancorp ranks #1246 out of 1527 companies in the Banks industry, placing it in the top 81.6%.
Is Third Century Bancorp's Pretax Margin % too high?
Third Century Bancorp's current Pretax Margin % of 19.48% is near median its 10-year median of 18.61. Over the past 10 years, this metric has ranged from a low of 9.99 to a high of 27.64. The Banks industry median Pretax Margin % is 34.88. Third Century Bancorp's value of 19.48% is 44.2% below this industry median. Based on the distribution chart, Third Century Bancorp ranks #1246 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Third Century Bancorp has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Third Century Bancorp's Pretax Margin % compare to FIDS and CRZY?
According to the Banks industry distribution chart, Third Century Bancorp ranks #1246 out of 1527 companies for Pretax Margin %. This places Third Century Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. Third Century Bancorp's value of 19.48% is 44.2% below this benchmark. Historically, Third Century Bancorp's own Pretax Margin % has ranged from 9.99 to 27.64 over the past decade. While the company's 10-year median is 18.61 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Century Bancorp's current Pretax Margin % of 19.48% is 44.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Third Century Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current Pretax Margin % is 19.48%, which is near median its own 10-year median of 18.61. 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 Pretax Margin % is 19.48%, which is near median its 10-year median of 18.61 and 44.2% below the Banks industry median of 34.88. Third Century Bancorp's overall GF Score™ is 41/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current Pretax Margin % is 19.48% 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:
Pretax Margin %: 19.48% (near median its 10-year median of 18.61)
GF Value™: $9.77 vs. price of $17.50 (79.1% above fair value)
Industry Position: 44.2% below the Banks median (#1246 of 1527)
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.
41GF Score
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