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Triad Business Bank (TBBC)

USD6.50 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 1501 Highwoods Boulevard 27410
Greensboro, NC, US
CEO Ramsey K. Hamadi
IPO 2020-10-05
ISIN US89580D1028

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Description

Triad Business Bank, headquartered in Greensboro, North Carolina, and established in 2020, delivers a comprehensive suite of financial products and services across the United States, operating through three banking offices in North Carolina's Triad region. The institution provides a variety of deposit options, including checking, savings, money market, and retirement accounts, as well as certificates of deposit. Its lending portfolio caters to both personal and business needs, featuring home equity loans, financing for real estate investment purchases and refinances, existing loan refinancing, acquisition financing, and working capital loans. For modern banking convenience, Triad Business Bank offers robust digital services such as online banking, personal online bill pay, e-statements, personal debit cards, and mobile deposit and banking solutions. The bank also supports businesses with specialized treasury solutions and merchant services. Its credit offerings are extensive, encompassing diverse letters of credit—including export and import letters of credit and documentary collections, alongside foreign and domestic options—as well as various lines of credit for purposes like revolving funds, equipment purchases, guidance, seasonal cash flow, supplementary working capital, and inventory financing. Furthermore, Triad Business Bank provides advanced cash management and business support services. These include lockbox services, remote and mobile deposit capture, ACH and wire origination, purchase card services, and comprehensive fraud protection. The bank also offers sophisticated sweep services, such as zero balance, line of credit, and checking sweeps, to help manage liquidity efficiently.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD6.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
965
Beta
-0.01
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -0.03% +0.75% -1.10% +14.25% +8.87% +27.02% -15.32% -46.02% -38.31% -38.31%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
6.50
DCF (Levered) 2.73 -58.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.12
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +142.3% Q1'26: -0.4% (vs Q1'25)
  • EPS growth
    +129.3% Q1'26: -94.9% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +6.1% (vs Q1'25)
  • ROIC
    Q1'26: +2.0% (vs Q1'25)
  • Share dilution
    +10.3% Q1'26: +10.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 26.43× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.04) × ERP
WACC = 85% × Ke + 15% × Kd (165.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 6.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-20 C+ 2/5 3/5 2/5 2/5 2/5 1/5 3/5
2026-05-07 A 4/5 3/5 5/5 4/5 3/5 4/5 3/5
2026-05-04 A 4/5 3/5 5/5 4/5 3/5 4/5 3/5
2026-04-28 A 4/5 3/5 5/5 5/5 3/5 4/5 3/5
2026-04-27 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-24 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5
2026-04-23 A 4/5 3/5 5/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
101.8K
OE per share TTM
0.01
Owner's Yield
0.19%
Maintenance CapEx ratio
18.08%
Maint CapEx / Avg PPE
11.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
25.3K
Shares Outstanding
8.05M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ramsey K. Hamadi Chief Executive Officer & Director 508.5K male
Robin Snipes Hager President, Chief Operating Officer & Director 316.1K female
William Wesley Budd Jr. Chief Credit Officer 307.4K male
Richard Cobb Chief Financial Officer 228.4K male
Jeffrey W. Montgomery Chief Banking Officer male
Leah Price Chief Banking Officer female
Barry Holmes Regional Market President
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity
Transaction Date Disclosed Representative District Owner Type Amount Link
2021-06-15 2022-02-11 Kathy Manning NC06 Self Purchase $50,001 - $100,000
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend history

Earnings history

Earnings reports

Stock splits