Third Century BancorpTDCB +10.76%47 PS Ratio is 1.88 as of Jul. 04, 2026, which is 53% above its 10-year median of 1.23. GuruFocus rates TDCB with a GF Score™ of 47/100 and a GF Value™ of $9.78 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,517 Banks companies, Third Century Bancorp ranks better than 76.27% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Third Century Bancorp's share price is $17.19.
Third Century Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $9.15. Hence, Third Century Bancorp's PS Ratio for today is 1.88.
Warning Sign:
Third Century Bancorp stock PS Ratio (=1.91) is close to 3-year high of 1.91.
The historical rank and industry rank for Third Century Bancorp's PS Ratio or its related term are showing as below:
TDCB'
s PS Ratio Range Over the Past 10 Years
Min: 0.75 Med: 1.23 Max: 2.5
Current: 1.89
During the past 10 years, Third Century Bancorp's highest PS Ratio was 2.50. The lowest was 0.75. And the median was 1.23.
TDCB's PS Ratio is ranked better than 76.27% of 1517
companies
in the Banks industry
Industry Median: 2.98
vs TDCB: 1.89
During the past 12 months, the average Revenue per Share Growth Rate of Third Century Bancorp was 16.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 3.10% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 1.40% per year.
During the past 10 years, Third Century Bancorp's highest 3-Year average Revenue per Share Growth Rate was 29.80% per year. The lowest was -1.80% per year. And the median was 11.60% per year.
Back to Basics: PS Ratio
Third Century Bancorp (OTCPK:TDCB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Third Century Bancorp's Share Price of today is $17.19.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Third Century Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $9.15.
* 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:
Third Century Bancorp (TDCB) has a PS Ratio of 1.88 as of Jul. 04, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Third Century Bancorp and its competitors. This is 53% above median its historical median of 1.23. Over the past decade, Third Century Bancorp's PS Ratio has ranged from 0.75 to 2.50. According to the industry distribution chart, Third Century Bancorp ranks #360 out of 1517 companies in the Banks industry, placing it in the top 23.7%.
Is Third Century Bancorp's PS Ratio too high?
Third Century Bancorp's current PS Ratio of 1.88 is 53% above median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 2.50. The Banks industry median PS Ratio is 2.98. Third Century Bancorp's value of 1.88 is 36.9% below this industry median. Based on the distribution chart, Third Century Bancorp ranks #360 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position 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 PS Ratio compare to UNTN and CIBN?
According to the Banks industry distribution chart, Third Century Bancorp ranks #360 out of 1517 companies for PS Ratio. This places Third Century Bancorp in the top 24% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.98. Third Century Bancorp's value of 1.88 is 36.9% below this benchmark. Historically, Third Century Bancorp's own PS Ratio has ranged from 0.75 to 2.50 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Century Bancorp's current PS Ratio of 1.88 is 36.9% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Third Century Bancorp and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current PS Ratio is 1.88, which is 53% above median its own 10-year median of 1.23. 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 $9.78, compared to a current price of $17.19 — trading 75.8% above its estimated fair value. The current PS Ratio is 1.88, which is 53% above median its 10-year median of 1.23 and 36.9% below the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current PS Ratio is 1.88 as of Jul. 04, 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 $17.19 is trading 75.8% above its estimated GF Value™ of $9.78.
GuruFocus considers Third Century Bancorp to be Significantly Overvalued.
Key valuation signals for TDCB:
PS Ratio: 1.88 (53% above median its 10-year median of 1.23)
GF Value™: $9.78 vs. price of $17.19 (75.8% above fair value)
Industry Position: 36.9% below the Banks median (#360 of 1517)
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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