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Terme Bancorp Inc (TMEB) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Terme Bancorp Inc $0.00, price $0.00, upside +0.0%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · US · ISIN US88079L1044

TB Terme Bancorp Inc logo Thin data Sep 27, 2026

Terme Bancorp Inc

TMEB · US

Low PriorityFair Value upside is limited and quality is weak.

Highly profitable · 35.3% net margin (FY2021)
Generates free cash flow
Fair value $0.0001 · Fairly valued (+0.0%)
Quality 48/100
Mixed vs. peers (4/10)
Weak Growth
High debt
Narrow moat 6/100
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

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Price vs Fair Value

$0.1359 $0.0001 Fair Value $0.0001 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range $0.0001 – $0.1359 · the $0.0001 price screens below the $0.0001 fair value. 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

Terme Bancorp, Inc. is a holding company, which through its subsidiaries, provides financial services which includes mortgage brokerage, and global electronic money services to consumers by offering general-purpose reloadable (GPR) cards.

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Terme Bancorp, Inc. is a holding company, which through its subsidiaries, provides financial services which includes mortgage brokerage, and global electronic money services to consumers by offering general-purpose reloadable (GPR) cards. It also invests in various consumer-oriented medical initiatives, including medical devices, health maintenance, and health enhancement products. The company was formerly known as Umbrella Bancorp, Inc. and changed its name to Terme Bancorp, Inc. in January 2007. Terme Bancorp, Inc. was incorporated in 1987 and is based in Chicago, Illinois.

Stock analysis

Terme Bancorp Inc (TMEB) currently trades at $0.0001, while our model-based Fair Value estimate is $0.0001, so the stock looks roughly fairly valued today (gap 0.0%).

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Valuation

How firm this estimate is: it rests on 21 models at a data quality of 88/100, which puts the evidence level at low.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak, negative or inconsistent.

Terme Bancorp Inc reported revenue of $140K in FY2021 versus $27.3M in FY2002, a compound −24.2%/yr. Reported net income was $49.4K in FY2021.

Key figures

Market cap $37.1K · Net margin 35.3% · Return on assets (EBIT) 1,278% · Operating margin −35.6% · Revenue (TTM) −$4.1M · Revenue growth (YoY) −33.4% · Free cash flow $49.4K · Net debt $93.0K.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and at 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 0%, TMEB screens cheaper than that median.

Quality Score breakdown

Overall quality 48/100

Of which business quality 54 · Market factors (momentum, volatility) 56

Profitability 89
Margins and returns on capital today
Quality Growth 20
Are margins and returns improving?
Cashflow 83
Earnings quality: real cash, not paper profit
Fin. Strength 21
Balance sheet, leverage, solvency risk
Investment 50
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 33
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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. 40/100
Revenue growth is weak, negative or inconsistent.
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.
86.1% (2014) → 35.3% (2021)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed

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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 · 1059 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +0.0% · Above median
Profitability
Return on assets −7.8% · Bottom 25%
Net margin (TTM) 35.3% · Above median
Operating margin (TTM) −35.6% · Bottom 25%
Growth and dividend
Revenue growth −33.4% · Bottom 25%
Balance sheet
Debt / equity 289.26× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 0.35× · Cheapest 25%
P/FCF 0.8× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · sector 12
FUTURE (revenue growth)0 · sector 50
PAST (return on equity)0 · sector 41
HEALTH (low debt)0 · sector 84
DIVIDEND (yield)0 · sector 52

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 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.03 $6.80 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €95.09 €105.99 +11%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Terme Bancorp Inc · Fair Value
$0.0001 +0%Fair Value
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Cite: Fair Value Calculator (2026). "Terme Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/TMEB

Frequently asked questions

Is Terme Bancorp Inc (TMEB) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.0001 versus a price of $0.0001, about +0% upside (fairly valued).
What is the fair value of TMEB?
Our model-based fair value for Terme Bancorp Inc is $0.0001 (as of Sep 27, 2026), built from audited fundamentals. The current price: $0.0001.
What is the quality score of TMEB?
Terme Bancorp Inc has a Quality Score of 48/100. 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 Terme Bancorp Inc (TMEB)?
Our model-based price target is the fair value of $0.0001 (as of Sep 27, 2026) from 21 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Terme Bancorp Inc stock forecast for 2026?
Our models put fair value at $0.0001, about +0% upside versus a price of $0.0001 (fairly valued). The calculation is refreshed regularly with new filings.
What is the intrinsic value of Terme Bancorp Inc (TMEB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Terme Bancorp Inc it is $0.0001 per share (as of Sep 27, 2026), against a price of $0.0001. It is the blended result of 21 valuation models (cash flow, earnings, asset, dividend).
Is Terme Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 27, 2026, TMEB trades below its calculated fair value: price $0.0001, fair value $0.0001, a gap of about +0% (fairly valued). 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 TMEB?
No. The price is what the market pays today ($0.0001); the fair value is what the company's own numbers justify ($0.0001). For Terme Bancorp Inc the two are $0.0000 per share apart. That gap is exactly why we show both numbers side by side.
How much is Terme Bancorp Inc worth?
The market values Terme Bancorp Inc at about $37.1K (market capitalisation, as of Sep 27, 2026). Per share that is $0.0001; our models calculate a fair value of $0.0001 per share.
How far is TMEB from its 52-week high?
Terme Bancorp Inc trades at $0.0001, at its 52-week high of $0.0001 and at the low of $0.0001 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0001 is for.
Which stocks are comparable to Terme Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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 Terme Bancorp Inc stock attractive at the current price?
The data as of Sep 27, 2026: price $0.0001, calculated fair value $0.0001 (+0%), Quality Score 48/100, from 21 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 TMEB calculated?
We run Terme Bancorp Inc through 21 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 $0.0001, 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 15.4 % above its aggregate fair value. Terme Bancorp Inc 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 Terme Bancorp Inc (TMEB)?
The closing price on Oct 2, 2026 was $0.0001. Our model-based fair value is $0.0001, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Terme Bancorp Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Terme Bancorp Inc

How large is the market capitalisation of Terme Bancorp Inc (TMEB)?
The market capitalisation of Terme Bancorp Inc is $37.1K. 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 net margin of Terme Bancorp Inc (TMEB)?
The net margin of Terme Bancorp Inc is 35.3% (fiscal year 2021). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Terme Bancorp Inc (TMEB)?
On an EBIT basis the return on assets of Terme Bancorp Inc is 1,278% (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 Terme Bancorp Inc (TMEB)?
The operating margin of Terme Bancorp Inc is −35.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Terme Bancorp Inc (TMEB) generate?
Terme Bancorp Inc generates revenue of −$4.1M (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast is revenue growing at Terme Bancorp Inc (TMEB)?
Revenue at Terme Bancorp Inc is growing −33.4% versus a year earlier (3y avg −62.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Terme Bancorp Inc (TMEB) generate?
The free cash flow of Terme Bancorp Inc is $49.4K (fiscal year 2021). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Terme Bancorp Inc (TMEB) carry?
The net debt of Terme Bancorp Inc is $93.0K (fiscal year 2021, ≈ 1.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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