Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 11M | 10M | 7M | 6M | 7M |
| Gross Profit | 7M | 7M | 6M | 6M | 7M |
| Operating Income | 2M | 2M | 2M | 378K | 2M |
| EBITDA | 2M | 2M | 2M | 430K | 2M |
| Net Income | 2M | 1M | 1M | 263K | 2M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$7.23
+11.06% today
1Y Change
+8.86%
Window
Jun 23, 2025 → Jun 16, 2026
Coverage: 247 bars · Jun 23, 2025 → 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 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TCNB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
TCNB Max Drawdown
-18.99%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for TCNB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$7.0M
+17.9% YoY
FY Net Income
$1.6M
+511.4% YoY
Free Cash Flow
$2.5M
+2278.9% YoY
Revenue Growth
+6.1%
EPS Growth
+3.1%
Gross Margin
65.7%
Net Margin
14.8%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 11M | 10M | 7M | 6M | 7M |
| Gross Profit | 7M | 7M | 6M | 6M | 7M |
| Operating Income | 2M | 2M | 2M | 378K | 2M |
| EBITDA | 2M | 2M | 2M | 430K | 2M |
| Net Income | 2M | 1M | 1M | 263K | 2M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 24M | 18M | 19M | 14M | 21M |
| Total Assets | 179M | 165M | 148M | 134M | 149M |
| Total Liabilities | 159M | 147M | 131M | 119M | 133M |
| Shareholder Equity | 20M | 19M | 17M | 16M | 16M |
| Total Debt | 23M | 20M | 20M | 322K | 11M |
| Net Debt | -855K | 2M | 1M | -14M | -10M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
3M
+8748.3% YoY
Capital Expenditures
24K
+71.8% YoY
Free Cash Flow
2M
+2278.9% YoY
Key ratios
Gross Margin
65.7%
Operating Margin
21.1%
Net Margin
14.8%
ROE
8.0%
Debt / Equity
1.13x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.