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OTCM
TCNB
Market cap13mUSD
Jul 21, Last price  
5.99USD
1D
-0.17%
Jan 2017
93.23%
IPO
-40.40%
Name

Town Center Bank

Chart & Performance

D1W1MN
P/E
13.30
P/S
1.89
EPS
0.45
Div Yield, %
Shrs. gr., 5y
Rev. gr., 5y
12.47%
Revenues
7m
+31.12%
3,9873,346,0003,734,0003,530,0003,543,0003,848,0004,102,0004,112,0005,137,0006,583,0005,630,0007,382,000
Net income
1m
+299.62%
-303-217,000376,00076,000697,000151,0001,726,0002,241,000728,0001,608,000263,0001,051,000
CFO
2m
P
903-13,000465,000374,000605,000594,000660,000576,0001,453,0002,508,000-29,0002,085,000

Profile

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.
IPO date
Dec 07, 2006
Employees
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
7,382
31.12%
5,630
-14.48%
Cost of revenue
2,489
1,898
Unusual Expense (Income)
NOPBT
4,893
3,732
NOPBT Margin
66.28%
66.29%
Operating Taxes
456
115
Tax Rate
9.32%
3.08%
NOPAT
4,437
3,617
Net income
1,051
299.62%
263
-83.64%
Dividends
Dividend yield
Proceeds from repurchase of equity
BB yield
Debt
Debt current
Long-term debt
20,000
644
Deferred revenue
Other long-term liabilities
(20,000)
304
Net debt
(30,667)
(69,179)
Cash flow
Cash from operating activities
2,085
(29)
CAPEX
(74)
(85)
Cash from investing activities
(9,191)
4,494
Cash from financing activities
12,030
(13,889)
FCF
(17,410)
4,692
Balance
Cash
32,331
41,993
Long term investments
18,336
27,830
Excess cash
50,298
69,542
Stockholders' equity
262
(7,423)
Invested Capital
147,320
141,746
ROIC
3.07%
2.44%
ROCE
3.32%
2.78%
EV
Common stock shares outstanding
2,334
2,334
Price
Market cap
EV
EBITDA
4,956
3,784
EV/EBITDA
Interest
1,353
298
Interest/NOPBT
27.65%
7.98%