Third Century Bancorp (TDCB)
Franklin, IN, US
Third Century Bancorp serves as the parent entity for Mutual Savings Bank, which delivers a comprehensive suite of financial products and services to individual consumers and corporate clients across Johnson County and its neighboring areas. Its deposit offerings span checking, savings, NOW, and individual retirement accounts, in addition to certificates of deposit, demand, and money market accounts. On the lending side, the bank provides consumer financing for home renovations, property and land acquisition, new and used vehicles, and unsecured personal needs, alongside home equity solutions. For businesses, it extends commercial real estate loans covering owner-occupied and investment properties, construction projects, land development, and multi-family units. Additionally, commercial and industrial financing encompasses working capital facilities, equipment and vehicle loans, and revolving lines of credit. Mortgage loans are also part of its portfolio. Beyond core banking, the institution furnishes treasury management solutions including remote deposit capture, wire transfers, ACH origination, and merchant services. Further offerings consist of trust services, safe deposit boxes, debit and credit cards, and convenient access through online, mobile, and ATM banking. Established in 1890, Third Century Bancorp maintains its headquarters in Franklin, Indiana.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -0.40% | -10.66% | +0.60% | +60.53% | +61.39% | +68.23% | +81.81% | -2.65% | +63.14% | +33.30% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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Revenue growth+7.6% Q1'26: +9.1% (vs Q1'25)
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EPS growth+42.5% Q1'26: +23.8% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +14.4% (vs Q1'25)
-
ROIC— Q1'26: +7.8% (vs Q1'25)
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Share dilution-0.1% Q1'26: +8.8% (vs Q1'25)
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Debt / EBITDA— Q1'26: 19.08× (vs Q1'25)
* 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.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B- | 2/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-21 | B- | 2/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-20 | B- | 2/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-18 | B- | 2/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-13 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-05-01 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-28 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-27 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | B | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Employee Stock Ownership Plan Trust | 132.3K | 8.00% | 116.8K | 15.5K | 132.3K | — | EP | Indiana | 2006-02-14 | ↗ |
| 2 | 13-3341573 | 110.5K | 7.80% | — | 110.5K | — | — | IV | Citizenship or Place of Organization Maryland | 2013-02-15 | ↗ |
| 3 | 26-3301611 | 110.5K | 7.80% | — | 110.5K | — | — | IA | Citizenship or Place of Organization Alaska | 2013-02-15 | ↗ |
| 4 | 98-0343699 | 110.5K | 7.80% | — | 110.5K | — | — | IA | Citizenship or Place of Organization Barbados | 2013-02-15 | ↗ |
| 5 | Advisory Research, Inc. / 36-2831881 | 79.3K | 5.01% | 79.3K | — | 79.3K | — | IA | Delaware | 2010-02-12 | ↗ |
| 6 | Piper Jaffray Companies / 30-0168701 | — | 0.00% | — | — | — | — | HC | Delaware | 2014-02-14 | ↗ |
Institutional Activity (13F)
Institutional history not available.
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | THURSTON, SPRINGER, MILLER, HERD & TITAK, INC. | — -1.1K (-100.0%) | — -9.4K (-100.0%) | 0.00% -0.103 pp | 0.00% -0.001 pp | USD— | 5 qtrs SOLD |
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2006 | Robert D. Heuchan, President and Chief Executive Officer | 134.0K | 30.0K | 43.4K | — | — | 71.8K | 279.2K | 15.55% | ↗ |
| 2 | 2006 | David A. Coffey, Executive Vice President and Chief Operating Officer | 111.0K | 20.0K | 43.4K | — | — | 66.0K | 240.4K | 18.06% | ↗ |
| 3 | 2005 | Robert D. Heuchan, President and Chief Executive Officer | 126.0K | 23.0K | — | — | — | 43.4K | 192.4K | 0.00% | ↗ |
| 4 | 2005 | David A. Coffey, Executive Vice President and Chief OperatingOfficer | 105.0K | 15.0K | — | — | — | 37.9K | 157.9K | 0.00% | ↗ |
| 5 | 2004 | Robert D. Heuchan, President and Chief Executive Officer | 120.0K | 33.0K | — | — | — | 35.6K | 188.6K | 0.00% | ↗ |
| 6 | 2004 | David A. Coffey, Chief Operating Officer | 100.0K | 22.0K | — | — | — | 30.7K | 152.7K | 0.00% | ↗ |
| 7 | 2004 | David A. Coffey, Executive Vice President and Chief OperatingOfficer | 100.0K | 22.0K | — | — | — | 30.7K | 152.7K | 0.00% | ↗ |
| 8 | 2003 | Robert D. Heuchan, President and Chief Executive Officer | 100.0K | 30.0K | — | — | — | 21.0K | 151.0K | 0.00% | ↗ |
| 9 | 2003 | David A. Coffey, Executive Vice President and Chief OperatingOfficer | 83.5K | 20.0K | — | — | — | 17.4K | 120.9K | 0.00% | ↗ |
| 10 | 2003 | David A. Coffey, Chief Operating Officer | 83.5K | 20.0K | — | — | — | 17.4K | 120.9K | 0.00% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| David A. Coffey | President, Chief Executive Officer & Director | 164.6K | male |
| Annette Morris | Internal Auditor, Compliance Officer, BSA, CRA & Security Officer | — | — |
| Chad Riddle | Senior Vice President & Chief Operating Officer | — | male |
| Connie Basco | Vice President & Credit Manager | — | — |
| Kellie L. Gordon | Senior VP, Chief Information Officer and AML & Security Officer | — | — |
| Robert D. Henderson | Executive VP, Chief Lending Officer & Director | — | male |
| Sally J. Wells | Internal Auditor, Compliance Officer & CRA Officer | — | — |
| Seyed Paul Arab | Senior Vice President & Chief Financial Officer | — | male |
| Anne McGuinness | Vice President, Human Resource Officer, Trust Department Manager & Board Secretary | — | — |
| Tricia Bechman | Director of Marketing & Advertising | — | — |
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for TDCB
Short-term intention
Target Price Distribution
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