Financial Services
Town Center Bank(TCNB)
Live Price
Offline$7.23
+11.06% today
1Y Change
+8.86%
Window
Jun 23, 2025 โ Jun 16, 2026
- Market Cap
- $10.00M
- Revenue Growth
- +6.1%
- EPS Growth
- +3.1%
- Dividend Yield
- 0.0%
Coverage: 247 bars ยท Jun 23, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Town Center Bank (TCNB) is a Financial Services stock with a market cap of $10.00M and listed on OTC. The stock last traded around $7.23 and up 8.9% across the available one-year price window (Jun 23, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of +6.1%, EPS growth of +3.1%, a dividend yield of 0.0%. What stands out right now is revenue +6.1%, EPS +3.1%, free cash flow -0.2% with operating margin 21.1% and ROIC 3.4%. Valuation is more restrained than many high-expectation growth names at P/E 9.6 and price/sales 1.4. Stock Foundry combines TCNB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+6.1% vs +3.4% peer median
Operating Margin
Above sector median
+21.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2024 was reported on Sep 30, 2024, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +6.1% and EPS at +3.1%, with operating margin around 21.1%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -6.4% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2024 Sep 30, 2024 | โ | +0.0% | -6.4% | +0.2% |
2024 Aug 5, 2024 | โ | +0.0% | -6.4% | +0.2% |
2024 May 13, 2024 | โ | +0.0% | -6.4% | +0.2% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TCNB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
TCNB Max Drawdown
-18.99%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for TCNB and SPY.
Company Overview
Town Center Bank
Other OTC
Town Center Bank provides various financial services to individuals and businesses in Illinois. The company offers a range of deposit products, such as checking accounts, sweep accounts, savings accounts, term certificate accounts, and certificates of deposit; and various lending products comprising commercial loans, consumer loans, home mortgage loans, home equity lines of credit, home equity loans, installment loans, working capital loans, secured or unsecured lines of credit, equipment loans, and asset and AR based loans, as well as commercial real estate loans for office buildings, industrial/warehouses, retail/apartments, mixed use, improved land, construction, and development. It also provides cash management, bill payment, remote deposit capture, Xpress deposit, and online and mobile banking services, as well as night depository, merchant card processing, and ACH and wire originations services. In addition, the company offers debit and credit cards; and additional services, such as coin counting and property tax payment services. It operates through its offices in Frankfort and New Lenox, Illinois. Town Center Bank was founded in 2006 and is based in New Lenox, Illinois.
- Leadership
- Michael D. Perry
- IPO Date
- Apr 16, 2008
- Employees
- 16
- Street Address
- 1938 East Lincoln Highway
- Mailing
- New Lenox, IL, 60451
- Region
- New Lenox, IL, US
- Reporting Currency
- USD
- Investor Line
- 815 463 7038
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 9.6
- EV/EBITDA
- 6.3
- Price/Sales
- 1.4
- Price/Book
- 0.7
Growth
- Revenue
- +6.1%
- EPS
- +3.1%
- Free Cash Flow
- -0.2%
Profitability
- Gross Margin
- 65.7%
- Operating Margin
- 21.1%
- Net Margin
- 14.8%
- ROE
- 8.0%
- ROIC
- 3.4%
Balance Sheet
- Debt/Equity
- 1.13
- Current Ratio
- 0.22
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.