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Triad Business Bank (TBBC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Triad Business Bank stock $3.94, price $6.60, that is 40.3% below the price, quality 43 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

TB Triad Business Bank logo Some data Nov 7, 2026

Triad Business Bank

TBBC · US
Very expensive, weak quality

Our calculation puts a fair price 40% below what the stock costs today.

Healthy Growth (revenue 5y +72.8 %/yr in USD)
Solidly profitable · 10.0% net margin (TTM)
Quality 43/100
Some data
Profit last quarter 64% below a year ago.
Fair value $3.94 · Strongly overvalued
Trails peers (2/12)
Narrow moat 27/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$11.60 $4.90 Fair Value $3.94 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $4.90 – $11.60 · fair‑value band $3.88 – $4.19 · the $6.60 price screens above the $3.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Triad Business Bank provides various banking products and services in the United States.

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The company offers checking, savings, and money market accounts, as well as certificates of deposit; personal lines of credit and secured loans; home equity loan, real estate investment purchases or refinances, and refinance existing loan services, as well as acquisition financing and working capital loans.

It also provides term loans; secured and unsecured lines of credit products, including revolving, equipment purchases, additional working capital, guidance, seasonal cash flow, and inventory financing; and letters of credit products, such as export and import letters of credit, export and import documentary collections, and foreign or domestic letters of credit.

In addition, the company offers online banking, personal online bill pay, eStatements, mobile deposit and banking services, personal and debit cards, as well as treasury solutions and merchant services.

Further, the company provides lockbox, remote deposit capture, and mobile capture services; ACH origination, wire origination, and purchase card services; zero balance, line of credit, and business checking sweep; fraud protection services, such as ACH filters and positive pay; and online and mobile app treasury solutions and EDI reports services.

Triad Business Bank was incorporated in 2020 and is based in Greensboro, North Carolina.

Stock analysis

Triad Business Bank (TBBC) currently trades at $6.60, while our model-based Fair Value estimate is $3.94, 40% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $4.56 per share, and 1 of the 4 models we run sit above the $6.60 price.

Bear case: the Economic Profit group reads lowest at $3.94, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $3.88 (bear) to $4.19 (bull), the price of $6.60 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Triad Business Bank reported revenue of $28.5M in FY2025 versus $9.4M in FY2021, a compound +31.9%/yr. Reported net income was $1.4M in FY2025.

Key figures

Market cap $54.1M Micro · P/E ratio 38.8 · P/S ratio 3.72 · EPS (TTM) $0.1700 · Net margin 10.0% · Return on equity 3.0% · Return on assets (EBIT) −0.2% (5-year average) · Operating margin 2.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −40%, TBBC screens richer than that median.

Fair Value models

Bear $3.88 Fair Value $3.94 Bull $4.19
Price $6.60 · Downside -40.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1458 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $3.88 $3.94 $4.19 68
P/E Multiple $1.68 $2.24 $2.80 63
P/B Multiple $5.15 $6.87 $8.59 55
All 4 models by family
Multiples
P/E Multiple $1.68 $2.24 $2.80 63
P/B Multiple $5.15 $6.87 $8.59 55
Asset-Based
NCAV (Graham) $3.13 $4.19 $6.25 51
Economic Profit
Residual Income $3.88 $3.94 $4.19 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 43/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 16
How much profit the company makes from its sales and capital
Quality Growth 65
Are margins and returns getting better?
Cashflow 72
Do the profits arrive as real cash?
Financial strength 11
Debt, balance sheet and risk of trouble
Investment 74
Does it invest with discipline instead of growing at any price?
Low Volatility 87
How calm the share price moves, does not count
Price momentum 49
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 55
Distance to the 52-week high, does not count
New shares 39
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+142.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+72.8%
Start year 2020 (pandemic)
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−189.2% (2020) → 4.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed

TBBC screens overvalued: fair value 40% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside −40.3% · Bottom 25%
Profitability
Return on equity (12 months) 3.0% · Bottom 25%
Return on assets 0.3% · Bottom 25%
Net margin (12 months) 10.0% · Bottom 25%
Operating margin (12 months) 2.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 12.1% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 38.8× · Priciest 25%
P/B 1.07× · Cheaper than median
P/S (12 months) 3.72× · Pricier than median
Price / free cash flow (fiscal year) 19.9× · Priciest 25%
EV/EBITDA 26.1× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)61 · sector 47
PAST (return on equity)12 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs TBBC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs TBBC
BNP Paribas SA BNP €91.93 €106.01 +15% vs TBBC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs TBBC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs TBBC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs TBBC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs TBBC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs TBBC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs TBBC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs TBBC

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Triad Business Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Triad Business Bank Fair Value". https://www.fairvalue-calculator.com/stock/TBBC

Frequently asked questions

Is Triad Business Bank (TBBC) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $3.94 versus a price of $6.60, about 40% lower (overvalued).
What is the fair value of TBBC?
Our model-based fair value for Triad Business Bank is $3.94 (as of Nov 7, 2026), built from audited fundamentals. The current price: $6.60.
What is the quality score of TBBC?
Triad Business Bank has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Triad Business Bank (TBBC)?
Our model-based price target is the fair value of $3.94 (as of Nov 7, 2026) from 4 valuation models. Cautious scenario $3.88, optimistic scenario $4.19. It is a calculation from audited fundamentals, not an analyst target.
What is the Triad Business Bank stock forecast for 2026?
Our models put fair value at $3.94, about 40% lower versus a price of $6.60 (overvalued). Cautious scenario $3.88, optimistic scenario $4.19. The calculation is refreshed regularly with new filings.
What is the revenue of Triad Business Bank (TBBC)?
Triad Business Bank reported trailing-twelve-month revenue of about $14.6M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Triad Business Bank (TBBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Triad Business Bank it is $3.94 per share (as of Nov 7, 2026), against a price of $6.60. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Triad Business Bank stock overvalued or undervalued in 2026?
As of Nov 7, 2026, TBBC trades above its calculated fair value: price $6.60, fair value $3.94, a gap of about −40% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TBBC?
No. The price is what the market pays today ($6.60); the fair value is what the company's own numbers justify ($3.94). For Triad Business Bank the two are $2.66 per share apart. That gap is exactly why we show both numbers side by side.
How much is Triad Business Bank worth?
The market values Triad Business Bank at about $54.1M (market capitalisation, as of Nov 7, 2026). Per share that is $6.60; our models calculate a fair value of $3.94 per share.
What do the bullish and bearish scenarios say about TBBC?
Our models span a range for Triad Business Bank: cautious scenario $3.88, base $3.94, optimistic $4.19 per share (as of Nov 7, 2026, price $6.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TBBC?
Triad Business Bank trades at a price-to-earnings ratio of 38.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.94 is built from several models across several years. Other multiples: P/B 1.1, P/S 3.7, EV/EBITDA 26.1.
How solid is the balance sheet of Triad Business Bank (TBBC)?
Balance-sheet figures for Triad Business Bank (as of Nov 7, 2026): return on equity 3.0%. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is TBBC from its 52-week high?
Triad Business Bank trades at $6.60, about 12% below its 52-week high of $7.50 and 22% above the low of $5.42 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $3.94 is for.
Which stocks are comparable to Triad Business Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Triad Business Bank stock attractive at the current price?
The data as of Nov 7, 2026: price $6.60, calculated fair value $3.94 (−40%), Quality Score 43/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TBBC calculated?
We run Triad Business Bank through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $3.94 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Triad Business Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Triad Business Bank (TBBC)?
The closing price on Nov 6, 2026 was $6.60. Our model-based fair value is $3.94, about 40% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Triad Business Bank right now?
The price sits above even our optimistic bull case ($4.19). The favourable scenario is already priced in. Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band ($3.88 to $4.19), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Triad Business Bank

How large is the market capitalisation of Triad Business Bank (TBBC)?
The market capitalisation of Triad Business Bank is $54.1M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Triad Business Bank (TBBC)?
The price-to-sales ratio of Triad Business Bank is 3.72 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Triad Business Bank (TBBC)?
Earnings per share at Triad Business Bank are $0.1700 (price ÷ EPS = P/E 38.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Triad Business Bank (TBBC)?
The net margin of Triad Business Bank is 10.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Triad Business Bank (TBBC)?
The return on equity (ROE) of Triad Business Bank is 3.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Triad Business Bank (TBBC)?
On an EBIT basis the return on assets of Triad Business Bank is −0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Triad Business Bank (TBBC)?
The operating margin of Triad Business Bank is 2.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Triad Business Bank (TBBC)?
Revenue at Triad Business Bank is growing +12.1% versus a year earlier (3y avg +24.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Triad Business Bank (TBBC)?
Earnings per share at Triad Business Bank are growing −64.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Triad Business Bank (TBBC) generate?
The free cash flow of Triad Business Bank is $2.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Triad Business Bank (TBBC) hold?
Triad Business Bank holds more cash than debt, $8.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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