TDCB (Third Century Bancorp) Scaled Net Operating Assets: 0.11 (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 Scaled Net Operating Assets?

Third Century Bancorp TDCB 41 Scaled Net Operating Assets is 0.11 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.

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

Third Century Bancorp's operating assets for the quarter that ended in Dec. 2025 was $315.32 Mil. Third Century Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $281.20 Mil. Third Century Bancorp's Total Assets for the quarter that ended in Dec. 2024 was $312.38 Mil. Therefore, Third Century Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.11.

TDCB
41GF Score
Third Century Bancorp TDCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Third Century Bancorp 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.

Third Century Bancorp'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 )
=(315.323-281.204)/312.376
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=349.188 - 33.865
=315.323

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=336.016 - 54.812 - 0
=281.204

Third Century Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(315.323-281.204)/312.376
=0.11

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=349.188 - 33.865
=315.323

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=336.016 - 54.812 - 0
=281.204

* 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 0.11 mean?
Third Century Bancorp (TDCB) has a Scaled Net Operating Assets of 0.11 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Third Century Bancorp and its competitors.
Is Third Century Bancorp's Scaled Net Operating Assets too high?
Third Century Bancorp's current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets compare to FIDS and CRZY?
Third Century Bancorp's Scaled Net Operating Assets of 0.11 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 Third Century Bancorp and its competitors. Third Century Bancorp's current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Third Century Bancorp (TDCB), the current Scaled Net Operating Assets is 0.11 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:

  • Scaled Net Operating Assets: 0.11
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.50
Price
$9.77
GF Value