Third Century Bancorp (TDCB)

Third Century Bancorp is a bank holding company based in Franklin, Indiana, with shares quoted on OTC Markets under the symbol TDCB. Through its banking business, the company serves individual and corporate customers in Johnson County and nearby counties. Its product set includes deposit accounts such as checking, savings, health savings accounts, certificates of deposit, and IRAs, along with business checking and treasury management tools including remote deposit capture, wire transfers, ACH origination, and merchant services. The company also provides a range of lending activities, covering consumer, commercial, and mortgage loans, plus home equity products. Additional services include online and mobile banking, bill pay, e-statements, debit and credit cards, overdraft protection, ATM access, safe deposit boxes, trust services, and 1031 like-kind exchange support. Founded in 1890, Third Century Bancorp operates as a financial services provider with a local banking focus.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-TDCB
$19.19
12.9% Upside
Fair
Good
0.24
1.3%
July 23, 2026
8.3x
1.3x
1.8x
20.677 M
71.5%
-1.2
Valuation • Fair Value

Third Century Bancorp (OTC-TDCB) Fair Value by Valuation Model

Compare the primary fair value estimate for Third Century Bancorp (OTC-TDCB) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$19.19

Estimated upside of 12.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$22.68

Classic Ben Graham valuation formula reference.

DDM Fair Value

$32.59

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$14.72

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Third Century Bancorp (OTC-TDCB) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Third Century Bancorp (OTC-TDCB)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

11.297 M

Current operating scale indicator.

Revenue Forecast

11.199 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Third Century Bancorp (OTC-TDCB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Third Century Bancorp (OTC-TDCB)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.2

Lower score that deserves closer risk review.

FCF / Net Income

Not available

Data is currently unavailable.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Third Century Bancorp (OTC-TDCB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Third Century Bancorp (OTC-TDCB)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 23, 2026

Days to Earnings

2

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

1.3%

Income yield reference.

Upcoming Dividend

0.24

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Third Century Bancorp (OTC-TDCB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Third Century Bancorp (OTC-TDCB) Stock Forecast & Technical Outlook

Review Third Century Bancorp (OTC-TDCB) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Third Century Bancorp (OTC-TDCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Buy

The 1-hour technical read for Third Century Bancorp (OTC-TDCB) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Third Century Bancorp (OTC-TDCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Third Century Bancorp (OTC-TDCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Third Century Bancorp (OTC-TDCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Third Century Bancorp (OTC-TDCB)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Third Century Bancorp (OTC-TDCB) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ Fast Investor Answers

Third Century Bancorp (OTC-TDCB) Stock FAQ

Quick answers about Third Century Bancorp (OTC-TDCB) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$19.19
Estimated upside 12.9%
Valuation Rating
Undervalued
Estimated upside of 12.9%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for Third Century Bancorp (OTC-TDCB) is $19.19. This implies an estimated upside of 12.9% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 12.9% versus the current market price.

An analyst price target for Third Century Bancorp (OTC-TDCB) is not currently available in the latest data file.

The current financial health read for Third Century Bancorp (OTC-TDCB) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Third Century Bancorp (OTC-TDCB) is July 23, 2026.

Based on the current data, dividend yield is 1.3%, upcoming dividend amount is 0.24.

The current P/E ratio listed for Third Century Bancorp (OTC-TDCB) is 8.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Third Century Bancorp is 20.677 M.

The ticker symbol for Third Century Bancorp is OTC-TDCB, and the stock is listed on OTC Markets.

Third Century Bancorp (OTC-TDCB) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Third Century Bancorp is 71.5%, which helps investors evaluate the company’s financing structure and leverage profile.