TCNB (Town Center Bank IL) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)

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TCNB Town Center Bank IL TCNB
67 GF Score
Price $7.41
GF Value $6.48
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Town Center Bank IL Scaled Net Operating Assets?

Town Center Bank IL TCNB -3.14% 67 Scaled Net Operating Assets is 0.04 as of Mar. 2026. GuruFocus rates TCNB with a GF Score™ of 67/100 and a GF Value™ of $6.48 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Town Center Bank IL's operating assets for the quarter that ended in Mar. 2026 was $141.68 Mil. Town Center Bank IL's operating liabilities for the quarter that ended in Mar. 2026 was $134.05 Mil. Town Center Bank IL's Total Assets for the quarter that ended in Dec. 2025 was $179.35 Mil. Therefore, Town Center Bank IL's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

TCNB
67GF Score
Town Center Bank IL TCNB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Town Center Bank IL Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Town Center Bank IL's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(155.494-135.909)/165.273
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=179.349 - 23.855
=155.494

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=158.909 - 23 - 0
=135.909

Town Center Bank IL's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(141.684-134.046)/179.349
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=174.687 - 33.003
=141.684

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=154.046 - 20 - 0
=134.046

* 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 Scaled Net Operating Assets of 0.04 mean?
Town Center Bank IL (TCNB) has a Scaled Net Operating Assets of 0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Town Center Bank IL and its competitors.
Is Town Center Bank IL's Scaled Net Operating Assets too high?
Town Center Bank IL's current Scaled Net Operating Assets is 0.04. Overall, Town Center Bank IL has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Town Center Bank IL's Scaled Net Operating Assets compare to CCYY and FIDS?
Town Center Bank IL's Scaled Net Operating Assets of 0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Town Center Bank IL and its competitors. Town Center Bank IL's current Scaled Net Operating Assets is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Town Center Bank IL stock overvalued right now?
Based on GuruFocus' analysis, Town Center Bank IL (TCNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $6.48, compared to a current price of $7.41 — trading 14.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.04. Town Center Bank IL's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Town Center Bank IL (TCNB), the current Scaled Net Operating Assets is 0.04 as of Mar. 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 Town Center Bank IL (TCNB) Overvalued in 2026?

Based on GuruFocus' analysis, Town Center Bank IL stock appears to be overvalued. The current stock price of $7.41 is trading 14.4% above its estimated GF Value™ of $6.48. GuruFocus considers Town Center Bank IL to be Modestly Overvalued.

Key valuation signals for TCNB:

  • Scaled Net Operating Assets: 0.04
  • GF Value™: $6.48 vs. price of $7.41 (14.4% above fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the TCNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Town Center Bank IL Business Description

Address 1938 E. Lincoln Highway, Unit 201, New Lenox, IL, USA, 60451
Town Center Bank IL provides banking products and services to families, businesses, and organizations in Illinois. The company's products include checking, savings, and term certificate accounts, and its lending products include residential mortgages, commercial real estate, construction, land development, and consumer loans. Other financial instruments offered by the bank include loan commitments, credit lines, letters of credit, and overdraft protection.
67GF Score

Get the complete analysis for TCNB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.41
Price
$6.48
GF Value