TCNB Stock Overview

Provides various financial services to individuals and businesses in Illinois. More details

TCNB fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	0/6
Financial Health	0/6
Dividends	0/6

Risk Analysis

Latest financial reports are more than a year old

Shares are highly illiquid

Does not have a meaningful market cap ($14M)

My Notes

Capture your thoughts, links and company narrative

Town Center Bank Competitors

Greenville Federal Financial

OTCPK:GVFF

US$14.0m

Mercer Bancorp

OTCPK:MSBB

US$14.1m

Gouverneur Bancorp

OTCPK:GOVB

US$14.2m

Seneca Financial

OTCPK:SNNF

US$13.5m

Price History & Performance

Summary of share price highs, lows and changes for Town Center Bank
Historical stock prices
Current Share Price	US$5.96
52 Week High	US$6.35
52 Week Low	US$4.75
Beta	0
1 Month Change	-0.50%
3 Month Change	1.53%
1 Year Change	18.73%
3 Year Change	56.84%
5 Year Change	75.29%
Change since IPO	-40.40%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	TCNB	US Banks	US Market
7D	0%	-5.5%	-3.5%
1Y	18.7%	27.2%	22.1%

Return vs Industry: TCNB underperformed the US Banks industry which returned 27.2% over the past year.

Return vs Market: TCNB underperformed the US Market which returned 22.1% over the past year.

Price Volatility

Is TCNB's price volatile compared to industry and market?
TCNB volatility
TCNB Average Weekly Movement	n/a
Banks Industry Average Movement	5.3%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: TCNB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine TCNB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Mike Perry	www.towncenterbank.com

Town Center Bank provides various financial services to individuals and businesses in Illinois. The company offers a range of deposit products, such as checking accounts, sweep accounts, savings accounts, term certificate accounts, and certificates of deposit; and various lending products comprising commercial loans, consumer loans, home mortgage loans, home equity lines of credit, home equity loans, installment loans, working capital loans, secured or unsecured lines of credit, equipment loans, and asset and AR based loans, as well as commercial real estate loans for office buildings, industrial/warehouses, retail/apartments, mixed use, improved land, construction, and development. It also provides cash management, bill payment, remote deposit capture, Xpress deposit, and online and mobile banking services, as well as night depository, merchant card processing, and ACH and wire originations services.

Town Center Bank Fundamentals Summary

How do Town Center Bank's earnings and revenue compare to its market cap?
TCNB fundamental statistics
Market cap	US$13.91m
Earnings (TTM)	US$1.61m
Revenue (TTM)	US$6.52m

0.0x

P/E Ratio

0.0x

P/B Ratio

Is TCNB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TCNB income statement (TTM)
Revenue	US$6.52m
Cost of Revenue	US$0
Gross Profit	US$6.52m
Other Expenses	US$4.91m
Earnings	US$1.61m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)	0
Gross Margin	0.00%
Net Profit Margin	0.00%
Debt/Equity Ratio	0.0%

How did TCNB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/19 12:40
End of Day Share Price	2024/12/10 00:00
Earnings	2021/12/31
Annual Earnings	2021/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Town Center Bank is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution