TDCB (Third Century Bancorp) ROE % Adjusted to Book Value: 19.93% (As of Dec. 2025)


TDCB Third Century Bancorp TDCB
41 GF Score
Price $17.50
GF Value $9.77
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Third Century Bancorp ROE % Adjusted to Book Value?

Third Century Bancorp TDCB 41 ROE % Adjusted to Book Value is 19.93% as of Dec. 2025. 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.

Third Century Bancorp's ROE % for the quarter that ended in Dec. 2025 was 16.54%. Third Century Bancorp's PB Ratio for the quarter that ended in Dec. 2025 was 0.83. Third Century Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 19.93%.


Third Century Bancorp ROE % Adjusted to Book Value Related Terms


Third Century Bancorp ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Third Century Bancorp's ROE % Adjusted to Book Value 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.

Third Century Bancorp ROE % Adjusted to Book Value Chart

Third Century Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.61 10.16 13.22 12.36 19.93

Third Century Bancorp Semi-Annual Data
Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.61 10.16 13.22 12.36 19.93

TDCB vs FIDS, CRZY, TVLF: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Third Century Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Third Century Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Third Century Bancorp's ROE % Adjusted to Book Value falls into.


TDCB
41GF Score
Third Century Bancorp TDCB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Third Century Bancorp ROE % Adjusted to Book Value Calculation

Third Century Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=16.54% / 0.83
=19.93%

Third Century Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=16.54% / 0.83
=19.93%

* 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.

What does a ROE % Adjusted to Book Value of 19.93% mean?
Third Century Bancorp (TDCB) has a ROE % Adjusted to Book Value of 19.93% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Third Century Bancorp and its competitors.
Is Third Century Bancorp's ROE % Adjusted to Book Value too high?
Third Century Bancorp's current ROE % Adjusted to Book Value is 19.93%. 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 ROE % Adjusted to Book Value compare to FIDS and CRZY?
Third Century Bancorp's ROE % Adjusted to Book Value of 19.93% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Third Century Bancorp and its competitors. Third Century Bancorp's current ROE % Adjusted to Book Value is 19.93%. 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 ROE % Adjusted to Book Value is 19.93%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current ROE % Adjusted to Book Value is 19.93% 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:

  • ROE % Adjusted to Book Value: 19.93%
  • GF Value™: $9.77 vs. price of $17.50 (79.1% 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

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.50
Price
$9.77
GF Value