Third Century BancorpTDCB +6.06%47 ROA % is 0.57% as of Dec. 2025, which is 6% above its 10-year median of 0.54. 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 1,528 Banks companies, Third Century Bancorp ranks worse than 73.63% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Third Century Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $1.87 Mil.
Third Century Bancorp's average Total Assets over the quarter that ended in Dec. 2025 was $330.78 Mil. Therefore, Third Century Bancorp's annualized ROA % for the quarter that ended in Dec. 2025 was 0.57%.
The historical rank and industry rank for Third Century Bancorp's ROA % or its related term are showing as below:
TDCB'
s ROA % Range Over the Past 10 Years
Min: 0.34 Med: 0.54 Max: 1.04
Current: 0.57
During the past 10 years, Third Century Bancorp's highest ROA % was 1.04%. The lowest was 0.34%. And the median was 0.54%.
TDCB's ROA % is ranked worse than 73.63% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs TDCB: 0.57
Third Century Bancorp (OTCPK:TDCB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Third Century Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Third Century Bancorp's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Third Century Bancorp (TDCB) has a ROA % of 0.57% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Third Century Bancorp and its competitors. This is near median its historical median of 0.54. Over the past decade, Third Century Bancorp's ROA % has ranged from 0.34 to 1.04. According to the industry distribution chart, Third Century Bancorp ranks #1125 out of 1528 companies in the Banks industry, placing it in the top 73.6%.
Is Third Century Bancorp's ROA % too high?
Third Century Bancorp's current ROA % of 0.57% is near median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 1.04. The Banks industry median ROA % is 0.98. Third Century Bancorp's value of 0.57% is 41.8% below this industry median. Based on the distribution chart, Third Century Bancorp ranks #1125 out of 1528 companies in the Banks industry, which is below the industry midpoint. 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 ROA % compare to FIDS and CRZY?
According to the Banks industry distribution chart, Third Century Bancorp ranks #1125 out of 1528 companies for ROA %. This places Third Century Bancorp in the lower half of its industry. The industry median ROA % is 0.98. Third Century Bancorp's value of 0.57% is 41.8% below this benchmark. Historically, Third Century Bancorp's own ROA % has ranged from 0.34 to 1.04 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Third Century Bancorp's current ROA % of 0.57% is 41.8% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Third Century Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Third Century Bancorp's current ROA % is 0.57%, which is near median its own 10-year median of 0.54. 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 ROA % is 0.57%, which is near median its 10-year median of 0.54 and 41.8% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current ROA % is 0.57% 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:
ROA %: 0.57% (near median its 10-year median of 0.54)
GF Value™: $9.77 vs. price of $17.50 (79.1% above fair value)
Industry Position: 41.8% below the Banks median (#1125 of 1528)
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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