Financial Services
Third Century Bancorp(TDCB)
Live Price
Offline$16.14
+7.60% today
1Y Change
+79.65%
Window
Jun 20, 2025 โ Jun 9, 2026
- Market Cap
- $20.00M
- Revenue Growth
- +7.6%
- EPS Growth
- +42.5%
- Dividend Yield
- 1.3%
Coverage: 243 bars ยท Jun 20, 2025 โ Jun 9, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Third Century Bancorp (TDCB) is a Financial Services stock with a market cap of $20.00M and listed on OTC. The stock last traded around $16.14 and up 79.7% across the available one-year price window (Jun 20, 2025 โ Jun 9, 2026). Baseline metrics include revenue growth of +7.6%, EPS growth of +42.5%, a dividend yield of 1.3%. What stands out right now is revenue +7.6%, EPS +42.5%, free cash flow -10.2% with operating margin 23.1% and ROIC 1.1%. The dividend is present but secondary, with a yield around 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 8.7 and price/sales 1.0. Stock Foundry combines TDCB 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
+7.6% vs +3.4% peer median
Operating Margin
Above sector median
+23.1% 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
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +7.6% and EPS at +42.5%, with operating margin around 23.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +12.6% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | +0.0% | +4.4% | -6.4% |
2026 Apr 16, 2026 | โ | +7.7% | +12.4% | +11.9% |
2026 Feb 5, 2026 | โ | +14.3% | +21.0% | +44.7% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TDCB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
TDCB Max Drawdown
-17.94%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for TDCB and SPY.
Company Overview
Third Century Bancorp
Other OTC
Third Century Bancorp operates as the holding company for Mutual Savings Bank that provides various banking products and services to individual and corporate customers in Johnson County and surrounding counties. It offers checking and savings, NOW, and individual retirement accounts; and certificates of deposits, and demand and money market deposits. The company also provides consumer lending products, including home remodeling, lot and land, new and used vehicle, and unsecured loans, as well as home equity products; commercial real estate loans, including owner and non-owner occupied, construction, land/development, and multi-family properties; commercial and industrial loans comprising working capital loan, equipment and vehicle loan, and revolving lines of credit; and mortgage loans. In addition, it offers treasury management services, such as remote deposit capture, wire transfers, ACH origination, and merchant services; and trust services, safe deposit boxes, and debit and credit cards, as well as online and mobile banking, and ATM services. Third Century Bancorp was founded in 1890 and is based in Franklin, Indiana.
- Leadership
- David A. Coffey
- IPO Date
- Jul 2, 2004
- Employees
- 47
- Street Address
- 80 East Jefferson Street
- Mailing
- Franklin, IN, 46131
- Region
- Franklin, IN, US
- Reporting Currency
- USD
- Investor Line
- 317 736 7151
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.7
- EV/EBITDA
- 15.5
- Price/Sales
- 1.0
- Price/Book
- 1.2
Growth
- Revenue
- +7.6%
- EPS
- +42.5%
- Free Cash Flow
- -10.2%
Profitability
- Gross Margin
- 57.4%
- Operating Margin
- 23.1%
- Net Margin
- 10.8%
- ROE
- 16.8%
- ROIC
- 1.1%
Balance Sheet
- Debt/Equity
- 3.64
- Current Ratio
- โ
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.