Town Center Bank
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$6.35
FAIR PRICE
$5.32
MARGIN
$1.03
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FPI RATING
Attractive valuation, but below-average fundamental quality and elevated debt levels.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$4.26
Fair price × 0.80
DISTANCE
33.0%
Price to entry level
At the current price of $6.35, TCNB trades 33.0% above the conservative entry level of $4.26. This entry level represents a 20% margin of safety below the calculated fair price of $5.32 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate TCNB's fair price
Town Center Bank's fair price of $5.32 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $6.35, TCNB trades 16.2% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting TCNB's risk profile.
RELATIVE · 30%
Comparing TCNB's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for TCNB, weighted by recency and analyst accuracy.
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Want to test your own assumptions? Use our free calculators to estimate TCNB's fair value with your own inputs.
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What is the fair price of TCNB?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Town Center Bank is $5.32. At the current market price of $6.35, TCNB trades 16.2% above its calculated fair value.
Is TCNB overvalued or undervalued?+
Town Center Bank is currently overvalued based on our valuation model. The stock trades at $6.35, which is 16.2% above the fair price of $5.32. The P/E ratio of 9.5x is a key metric in the valuation.
What is the margin of safety for TCNB?+
With a 20% margin of safety applied to the fair price of $5.32, the conservative entry level for TCNB is $4.26. At the current market price of $6.35, the stock trades 33.0% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is TCNB's fair price updated?+
We update fair price calculations for TCNB daily after market close. The current fair price of $5.32 incorporates the latest market data and sector multiples.
What factors affect TCNB's fair price calculation?+
TCNB's fair price of $5.32 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 9.5x, ROE of 8.0%.
Is TCNB a good buy right now?+
At $6.35, TCNB trades 16.2% above our fair value estimate of $5.32. The stock is currently overvalued. ROE stands at 8.0% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does TCNB pay dividends?+
TCNB does not currently pay a dividend.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.