1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Town Center Bank

Town Center Bank

TCNB
Town Center BankUS flagOther OTC
7.41
USD
-0.24
- -
17.29MMarket Cap
Town Center Bank
TCNB
(Other OTC)

Recent

price

7.41

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.44
1.6
1.51
1.52
1.65
1.76
1.76
2.2
2.82
2.41
2.58
2.94
3.02
2.92
Revenue per Share
-0.09
0.16
0.03
0.3
0.06
0.74
0.96
0.31
0.69
0.11
0.45
0.64
0.66
0.63
Basic EPS, GAAP
-0.01
0.18
0.12
0.21
0.22
0.27
0.2
0.62
1.06
0.1
0.86
0.94
0.91
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-5.09
-4.92
-4.89
-4.59
-4.52
-3.78
-2.82
-2.51
-1.82
-2.7
-2.25
-1.61
-0.95
1.43
Book Value per Share
3.73
4.08
3.99
4.17
4.19
4.88
6.09
6.52
7.06
6.72
7.25
7.97
8.76
8.31
Tangible Book Value per Share
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Basic Weighted Avg Shares
3
4
4
4
4
4
4
5
7
6
6
7
7
7
Sales/Revenue/Turnover
-6.49
10.07
2.15
19.67
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
1
- -
2
2
1
2
- -
1
1
2
1
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
31.06
28.44
30.42
30.26
30.15
30.15
30.04
Effective Tax Rate (%)
-6.49
10.07
2.15
19.67
3.92
42.08
54.5
14.17
24.43
4.67
17.43
21.76
21.97
21.71
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
2
2
- -
3
1
1
- -
- -
- -
20
20
23
20
LT Debt
9
10
9
10
10
11
14
15
16
16
17
19
20
19
Total Equity
- -
3.72
0.67
6.62
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
56.8
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
20
20
20
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
14
14
13

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
30
46
32
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.45%
6.23%
9.86%
Free Cash Flow
107.65%
157.17%
-3.27%
Net Income, GAAP
212.69%
76.55%
3.75%
Sales/Revenue/Turnover
7.81%
7.48%
2.74%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2
2
2
2
7
2025
2
2
2
- -
7
2026
2
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.14
- -
- -
- -
0.64
2025
0.14
- -
- -
- -
0.66
2026
0.13
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Town Center Bank engages in providing a comprehensive range of financial services as a locally owned and managed community bank headquartered in New Lenox, Illinois. Founded in 2004 and operating primarily in the Lincoln-Way area including Frankfort, Mokena, New Lenox, Manhattan, Orland Park, and Tinley Park, the bank offers personal banking products such as deposit accounts, ATM/debit rewards cards, personal loans, credit cards, and Xpress deposit services. Its business banking suite includes business deposit products, loans, business credit cards, remote deposit capture, and advanced cash management services tailored to local business needs. Town Center Bank is a partner for residential mortgages including conventional fixed-rate, adjustable-rate, FHA, VA, jumbo loans, and products for first-time homebuyers and investment properties. The bank recently elevated its market presence by renaming a landmark commercial building in New Lenox as the Town Center Bank Building, symbolizing its commitment to the Lincoln-Way region and supporting vibrant commercial spaces. It also gained recognition as the 2025 Business of the Year by the Frankfort Chamber of Commerce for its dedication to service, community involvement, and local business support. This award highlights the bank’s strategic emphasis on community partnerships, financial education, sponsorships, and economic growth initiatives in its operational geography of Illinois. Town Center Bank operates as a wholly owned subsidiary of TC Financial Holdings, Inc., emphasizing personalized customer service paired with a full menu of digital banking solutions alongside its physical branch network in Frankfort and New Lenox. This combination of comprehensive banking products and recent strategic branding and community recognitions position Town Center Bank as a committed local financial institution focused on fostering economic development and personalized financial solutions in its regional market.