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

As of Sep 22, 2026: fair value of Triad Business Bank $3.70, price $6.62, upside -44.1%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US89580D1028

TB Triad Business Bank logo Broad data Sep 23, 2026

Triad Business Bank

TBBC · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $3.70 · Strongly overvalued (−44%)
!Quality 45/100
✓Healthy Growth (revenue 5y +72.8 %/yr)
✓Solidly profitable · 10.0% net margin (TTM)
✓generates free cash flow
!Trails peers (2/12)
!Narrow moat 27/100
!Weak on past: 12 out of 100
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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 $3.70 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $4.90 – $11.60 · the $6.62 price screens above the $3.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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

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Triad Business Bank provides various banking products and services in the United States. 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 $6.62, while our model-based Fair Value estimate is $3.70, implying the stock looks roughly 78.9% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $4.19 per share, and 0 of the 4 models we run sit above the $6.62 price.

Bear case: the Multiples group reads lowest at $2.24, and 4 of the 4 models stay below the price. Evidence for this calculation is high.

Quality & growth

The Quality Score stands at 45/100 (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 $54.3M · P/E ratio 38.9 · P/S ratio 1.91 · EPS (TTM) $0.1700 · Net margin 4.9% · Return on equity 3.0% · Return on assets (EBIT) −0.2% · Operating margin 2.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 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 −36% fair-value upside, at −44%, TBBC screens richer than that median.

Fair Value models

Bear $3.70 Fair Value $3.70 Bull $3.70
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.1248 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $4.03 $3.73 $2.68 68
P/E Multiple $1.68 $2.24 $2.80 63
P/B Multiple $2.20 $2.93 $3.66 55
All 4 models by family
Multiples
P/E Multiple $1.68 $2.24 $2.80 63
P/B Multiple $2.20 $2.93 $3.66 55
Asset-Based
NCAV (Graham) $3.13 $4.19 $6.25 51
Economic Profit
Residual Income $4.03 $3.73 $2.68 68

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Quality Score breakdown

Overall quality 45/100

Of which business quality 43 · Market factors (momentum, volatility) 63

Profitability 16
Margins and returns on capital today
Quality Growth 65
Are margins and returns improving?
Cashflow 72
Earnings quality: real cash, not paper profit
Fin. Strength 11
Balance sheet, leverage, solvency risk
Investment 74
Disciplined investing over empire-building
Low Volatility 87
Calm price path (market factor)
Momentum 50
Price trend over the last 3–12 months (market factor)
52W Momentum 57
Distance to the 52-week high (market factor)
Net Issuance 39
Share count: buybacks or dilution?

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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

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+8.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +6.2% a year for the price.

TBBC screens 79% overvalued. Compare with DBS Group →

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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 · 1076 stocks

Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside −44% · Bottom 25%
Profitability
Return on equity (TTM) 3% · Bottom 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 10% · Bottom 25%
Operating margin (TTM) 2% · Bottom 25%
Growth and dividend
Revenue growth 12% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 38.9× · Priciest 25%
P/B 1.07× · Cheaper than median
P/S (TTM) 3.73× · Pricier than median
P/FCF 19.9× · Priciest 25%
EV/EBITDA 26.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 11
FUTURE (revenue growth)61 · sector 45
PAST (return on equity)12 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)0 · sector 53

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

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
DBS Group D05 77.48 SGD 40.39 SGD −48%
China Merchants Bank Co 3968 HK$51.20 HK$62.32 +22%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Intesa Sanpaolo S.p.A ISP €6.72 €4.04 −40%
Mizuho Financial Group MFG $10.56 $6.79 −36%
BNP Paribas SA BNP €98.43 €105.99 +8%
HDFC Bank Limited HDFCBANK ₹728.90 ₹406.44 −44%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Triad Business Bank · Fair Value
$3.70 −79%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $3.70 versus a price of $6.62, about −44% upside (overvalued).
What is the fair value of TBBC?
Our model-based fair value for Triad Business Bank is $3.70 (as of Sep 23, 2026), built from audited fundamentals. The current price: $6.62.
What is the quality score of TBBC?
Triad Business Bank has a Quality Score of 45/100. 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 $3.70 (as of Sep 23, 2026) from 4 valuation models. 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 $3.70, about −44% upside versus a price of $6.62 (overvalued). 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 Sep 23, 2026).
What growth is priced into Triad Business Bank (TBBC)?
For today's price to be fair in a discounted-cash-flow model, Triad Business Bank would have to grow free cash flow by +8.7 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +72.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of TBBC use?
Our models discount Triad Business Bank at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Triad Business Bank that is +8.7 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Triad Business Bank (TBBC) delivered so far?
Over the past 5 years revenue at Triad Business Bank grew +72.8 % a year. The price currently implies +8.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Triad Business Bank (TBBC) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Triad Business Bank (+8.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Triad Business Bank (TBBC)?
The free-cash-flow yield on the price is 5.02 %: that much free cash flow Triad Business Bank produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $3.70 per share (as of Sep 23, 2026), against a price of $6.62. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Triad Business Bank stock overvalued or undervalued in 2026?
As of Sep 23, 2026, TBBC trades above its calculated fair value: price $6.62, fair value $3.70, a gap of about −44% (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 ($6.62); the fair value is what the company's own numbers justify ($3.70). For Triad Business Bank the two are $2.92 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 $54.3M (market capitalisation, as of Sep 23, 2026). Per share that is $6.62; our models calculate a fair value of $3.70 per share.
What is the P/E ratio of TBBC?
Triad Business Bank trades at a price-to-earnings ratio of 38.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.70 is built from several models across several years. Other multiples: P/B 1.1, P/S 3.7, EV/EBITDA 26.2.
How solid is the balance sheet of Triad Business Bank (TBBC)?
Balance-sheet figures for Triad Business Bank (as of Sep 23, 2026): return on equity 3.0%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is TBBC from its 52-week high?
Triad Business Bank trades at $6.62, about 12% below its 52-week high of $7.50 and 22% above the low of $5.42 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of $3.70 is for.
Which stocks are comparable to Triad Business Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Sep 23, 2026: price $6.62, calculated fair value $3.70 (−44%), Quality Score 45/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.70, 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 14.0 % 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 Sep 22, 2026 was $6.62. Our model-based fair value is $3.70, about −44% upside (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 ($3.70). The favourable scenario is already priced in. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. 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 $54.3M. 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 1.91 (P/E × margin). 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 38.9). 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 4.9% (fiscal year 2025). 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 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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