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Town Center Bank TCNB

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Price alert · TCNB

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7.55 USD 0.00 0.00%

At close · Oct 30

7.55 Day range 7.55
5.60 52-week range 8.17
YTD
+25.83%
1 year
+25.83%
Open
7.55
Prev close
7.55
Mkt cap
17.62M
Vol
1.43K
Avg vol
812
EPS
0.47
P/E
16.06
More statistics
Low
7.55
High
7.55

5D chart

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Financial health

Altman Z-Score

-0.54 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 2
  • P/E 1
  • P/B 4

Valuation

P/E 9.1×
FY 2016: 10.3×FY 2017: 58.3×FY 2018: 4.5×FY 2019: 3.5×FY 2020: 9.7×FY 2021: 5.6×FY 2022: 28.2×FY 2023: 10.6×FY 2024: 9.3×FY 2025: 9.1×
FY 2016 5y median 9.3× FY 2025
P/S 1.3×
FY 2016: 1.8×FY 2017: 1.9×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.5×FY 2024: 1.4×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/B 0.7×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/FCF 6.6×
FY 2016: 14.6×FY 2017: 16.0×FY 2018: 12.3×FY 2019: 17.2×FY 2020: 4.9×FY 2021: 3.6×FY 2022: -63.5×FY 2023: 5.5×FY 2024: 6.6×FY 2025: 6.6×
FY 2016 5y median 5.5× FY 2025
EV/EBITDA 5.8×
FY 2016: 3.0×FY 2017: 25.1×FY 2018: 12.7×FY 2019: 21.7×FY 2020: -2.4×FY 2021: -0.4×FY 2022: -15.4×FY 2023: 7.8×FY 2024: 7.0×FY 2025: 5.8×
FY 2016 5y median 5.8× FY 2025
EV/Sales 1.2×
FY 2016: 0.6×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 2.0×FY 2020: -0.5×FY 2021: -0.1×FY 2022: -1.1×FY 2023: 1.7×FY 2024: 1.6×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
FCF Yield 15.1%
FY 2016: 6.9%FY 2017: 6.2%FY 2018: 8.2%FY 2019: 5.8%FY 2020: 20.4%FY 2021: 27.6%FY 2022: -1.6%FY 2023: 18.1%FY 2024: 15.2%FY 2025: 15.1%
FY 2016 5y median 15.2% FY 2025

Profitability

Gross Margin 66.3%
FY 2016: 100.3%FY 2017: 88.0%FY 2018: 84.3%FY 2019: 78.8%FY 2020: 81.5%FY 2021: 93.3%FY 2022: 94.5%FY 2023: 77.3%FY 2024: 68.3%FY 2025: 66.3%
FY 2016 5y median 77.3% FY 2025
Operating Margin 21.1%
FY 2016: 17.1%FY 2017: 3.5%FY 2018: 9.3%FY 2019: 6.9%FY 2020: 17.5%FY 2021: 32.2%FY 2022: 6.4%FY 2023: 20.4%FY 2024: 21.5%FY 2025: 21.1%
FY 2016 5y median 21.1% FY 2025
Net Margin 14.7%
FY 2016: 17.1%FY 2017: 3.5%FY 2018: 35.5%FY 2019: 43.1%FY 2020: 12.1%FY 2021: 23.0%FY 2022: 4.4%FY 2023: 14.2%FY 2024: 15.0%FY 2025: 14.7%
FY 2016 5y median 14.7% FY 2025
ROE 7.6%
FY 2016: 7.2%FY 2017: 1.5%FY 2018: 15.2%FY 2019: 15.8%FY 2020: 4.8%FY 2021: 9.8%FY 2022: 1.7%FY 2023: 6.2%FY 2024: 8.0%FY 2025: 7.6%
FY 2016 5y median 7.6% FY 2025
ROIC 3.4%
FY 2016: 7.3%FY 2017: 1.2%FY 2018: 3.2%FY 2019: 1.8%FY 2020: 1.5%FY 2021: 7.0%FY 2022: 1.6%FY 2023: 1.5%FY 2024: 3.7%FY 2025: 3.4%
FY 2016 5y median 3.4% FY 2025
ROA 0.9%
FY 2016: 0.7%FY 2017: 0.2%FY 2018: 1.7%FY 2019: 2.1%FY 2020: 0.5%FY 2021: 1.1%FY 2022: 0.2%FY 2023: 0.7%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 6.1%
FY 2016: -1.3%FY 2017: 6.4%FY 2018: 12.0%FY 2019: 7.0%FY 2020: 15.9%FY 2021: 15.9%FY 2022: -15.2%FY 2023: 24.5%FY 2024: 34.5%FY 2025: 6.1%
FY 2016 FY 2025
Operating Income 3.7%
FY 2016: 817.1%FY 2017: -78.3%FY 2018: 200.7%FY 2019: -20.9%FY 2020: 194.2%FY 2021: 112.8%FY 2022: -83.2%FY 2023: 298.7%FY 2024: 41.9%FY 2025: 3.7%
FY 2016 FY 2025
EPS (diluted) 3.1%
FY 2016: 900.0%FY 2017: -80.0%FY 2018: 1133.3%FY 2019: 29.7%FY 2020: -67.7%FY 2021: 122.6%FY 2022: -84.1%FY 2023: 309.1%FY 2024: 42.2%FY 2025: 3.1%
FY 2016 FY 2025
Free Cash Flow -0.2%
FY 2016: 78.1%FY 2017: 2.4%FY 2018: 23.4%FY 2019: -27.1%FY 2020: 213.8%FY 2021: 72.9%FY 2022: -104.6%FY 2023: 1864.0%FY 2024: 5.1%FY 2025: -0.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.1×
FY 2016: 0.0×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.7×FY 2022: 0.0×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Net Debt / EBITDA -0.4×
FY 2016: -5.6×FY 2017: -4.3×FY 2018: -0.5×FY 2019: 5.6×FY 2020: -8.5×FY 2021: -4.2×FY 2022: -32.2×FY 2023: 0.7×FY 2024: 0.7×FY 2025: -0.4×
FY 2016 5y median -0.4× FY 2025
Interest Coverage 0.6×
FY 2016: 1.3×FY 2017: 0.3×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 1.2×FY 2021: 5.5×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31