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Equity
Town Center Bank(TCNB)
USD --+0.00%
Reward46Moderate
Risk45Moderate
📊75%Data
Strong 25% profit margin
TCNB
+0.0 · +0.00%
USD · OTCQX
Town Center Bank | Financial Services
Deep Value
Market Cap:14.24M
ℹ️
Reward Rating
46
Moderate
Bottom 25% (model universe)
75% data coverage
ℹ️
Risk Rating
45
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on TCNB to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Town Center Bank?

Town Center Bank provides various financial services to individuals and businesses in Illinois.

TCNB · Verdict

Moderate reward · moderate risk

TCNB stands out on profitability and cash flow, but watch the growth signal.

Based on 88% data coverage

TCNB · Verdict

What’s working & what to watch

Strengths 3

  • Profitability80/100

    22% net margin · 10% ROE

  • Cash flow79/100

    31% free-cash-flow margin

  • Volatility75/100

    Above average

Watchouts 2

  • Growth21/100

    Rev +1.4% CAGR · earnings -2.4%

  • Balance sheet31/100

    Below average

Model-based scoring. For information only — not financial advice.

What is Town Center Bank?

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. The company is listed on the OTCQX in USA, operating in the Financial Services sector, with a market capitalisation of 14.24M, and a P/E ratio of 9.4x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (46)

The scoring profile indicates limited reward potential at this time, with profitability and valuation offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap14.24M
P/E Ratio9.3846
Dividend YieldN/A
52 Week High6.23
52 Week Low5.4
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding2M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQX
Beta-0.016
CurrencyUSD
Websitewww.towncenterbank.com
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