TDCB (Third Century Bancorp) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TDCB Third Century Bancorp TDCB
41 GF Score
Price $19.40
GF Value $9.81
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Third Century Bancorp Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Third Century Bancorp Quality Rank Related Terms

TDCB
41GF Score
Third Century Bancorp TDCB
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 $19.40 is trading 97.8% above its estimated GF Value™ of $9.81. GuruFocus considers Third Century Bancorp to be Significantly Overvalued.

Key valuation signals for TDCB:

  • Quality Rank:
  • GF Value™: $9.81 vs. price of $19.40 (97.8% above fair value)
  • GF Score™: 41/100 with 7 warning signs

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 Business Description

Address 80 East Jefferson Street, Franklin, IN, USA, 46131
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

Get the complete analysis for TDCB

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.40
Price
$9.81
GF Value