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Town Center Bank (TCNB)

USD8.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 1938 East Lincoln Highway 60451
New Lenox, IL, US
CEO Michael D. Perry
IPO 2008-04-16
ISIN US8921051079

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Description

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. In addition, the company offers debit and credit cards; and additional services, such as coin counting and property tax payment services. It operates through its offices in Frankfort and New Lenox, Illinois. Town Center Bank was founded in 2006 and is based in New Lenox, Illinois.

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
USD8.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
687
Beta
-0.06
Float Shares
2.33M
Free Float %
99.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +6.30% +10.66% +12.50% +12.50% +12.69% +88.55% +88.55% +147.25% -32.84%
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

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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
8.00
DCF (Unlevered) 16.57 +107.2%
DCF (Levered) 23.37 +192.1%

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
-0.49
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +6.1% Q1'26: +2.8% (vs Q4'24)
  • EPS growth
    +3.1% Q1'26: -27.8% (vs Q4'24)
  • FCF margin
    Q1'26: +0.0% (vs Q4'24)
  • EBIT margin
    Q1'26: +15.9% (vs Q4'24)
  • ROIC
    Q1'26: +16.0% (vs Q4'24)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q4'24)
  • Debt / EBITDA
    Q1'26: 11.71× (vs Q4'24)
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 (-0.08) × ERP
WACC = 41% × Ke + 59% × Kd (15.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 16.57 Current price: 8.00
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 A- 4/5 5/5 3/5 3/5 2/5 3/5 4/5
2026-05-20 A- 4/5 5/5 3/5 3/5 2/5 3/5 4/5
2026-05-19 A- 4/5 5/5 3/5 3/5 2/5 3/5 4/5
2026-05-06 B+ 3/5 5/5 2/5 3/5 2/5 3/5 4/5
2026-05-05 B+ 3/5 5/5 2/5 3/5 2/5 3/5 4/5
2026-05-04 B+ 3/5 5/5 2/5 3/5 2/5 3/5 4/5
2026-04-30 B+ 3/5 5/5 3/5 3/5 1/5 3/5 4/5
2026-04-27 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-24 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-22 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-21 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5
2026-04-20 A- 4/5 5/5 3/5 4/5 1/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-20.2K
OE per share TTM
-0.01
Owner's Yield
-0.13%
Maintenance CapEx ratio
2.15%
Maint CapEx / Avg PPE
7.9%

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
14.2K
Shares Outstanding
2.33M

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
Daniel Regan President, Chief Lending Officer & Director male
Karen Morgan Corporate Secretary
Michael D. Perry Chairman & Chief Executive Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

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