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Third Century Bancorp, a holding company, (TDCB) Fair Value & Analysis

Financial Services · US · Market cap $19.0M

Price$17.50
Fair Value$20.82
Upside+19.0%
Quality95/100
Evidence: High Range $15.61 – $26.02

Fair value as of: Jun 26, 2026

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Analysis

Third Century Bancorp, a holding company, (TDCB) currently trades at $17.50, while our model-based Fair Value estimate is $20.82 — implying the stock looks roughly 19.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Third Century Bancorp, a holding company, engages in the provision of banking and financial services to individual and corporate customers in Johnson County and surrounding counties in Indiana. The company offers checking, savings, health savings accounts, and CDs and IRAs; business checking; treasury management, such as online banking, remote deposit capture, wire transfers, ACH origination, and merchant services; consumer lending, including home remodeling, lot and land, new and used vehicle, and unsecured loans, as well as home equity products; commercial, and mortgage loans; as well as bill pay, online and mobile banking, and e-statements. It also provides 1031 Like-Kind Exchange, overdraft protection, ATM, debit and credit cards, check reorder, safe deposit boxes, trust services, switch kits, and financial calculator. Third Century Bancorp was founded in 1890 and is based in Franklin, Indiana.

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Frequently asked questions

Is Third Century Bancorp, a holding company, (TDCB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $20.82 versus a price of $17.50 — about +19% (undervalued). Model-based estimate, not financial advice.
What is the fair value of TDCB?
Our 21-model fair value for Third Century Bancorp, a holding company, is $20.82 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.50.
What is the quality score of TDCB?
Third Century Bancorp, a holding company, has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.