Terme Bancorp, Inc. (TMEB) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 1.00 means the share price is 1.00 times one year of earnings per share.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerTerme Bancorp, Inc. (TMEB) trades at $0.0001. Terme Bancorp, Inc. operates as a holding company providing financial services, including mortgage brokerage and electronic money services through GPR cards. Sector: Financials.
Price as of · Last analyzed: Mar 16, 2026Analyst Coverage for TMEB: TMEB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
Terme Bancorp, Inc. (TMEB) Financial Services Profile
Terme Bancorp, Inc., a Chicago-based holding company, focuses on financial services such as mortgage brokerage and global electronic money services via GPR cards. The company also diversifies into consumer-oriented medical investments, setting it apart from traditional regional banks with a blend of financial and healthcare ventures.
What Is the Investment Thesis for TMEB?
Terme Bancorp, Inc. presents a unique investment case due to its dual focus on financial services and healthcare investments. With a low P/E ratio of 1.00 and a high profit margin of 35.3%, the company demonstrates potential profitability. The absence of dividends may deter some investors, but the retained earnings could fuel future growth initiatives. Key value drivers include the expansion of its GPR card services and the success of its medical investments. Ongoing catalysts include the increasing adoption of electronic money services and advancements in the medical technologies the company invests in. Potential risks involve the volatile nature of the OTC market and the competitive pressures within both the financial and healthcare sectors. Monitoring the company's ability to maintain its profit margin and navigate regulatory changes will be crucial.
Based on FMP financials and quantitative analysis
TMEB Key Highlights
Profit Margin of 35.3% indicates strong profitability compared to the industry average.
- Gross Margin of 100.0% suggests efficient cost management in its service offerings.
- Beta of -1.33 indicates the stock is less volatile than the market, offering a degree of stability.
- P/E Ratio of 1.00 suggests the stock may be undervalued compared to its earnings.
- Focus on both financial services and healthcare investments provides diversification.
Who Are TMEB's Competitors?
TMEB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| CIVX CTR Investments & Consulting, Inc. | $0.19 | +90.00% | $26.6M | — |
| XXI Twenty One Capital Inc | $6.60 | -2.22% | $68.0M | 39 5-pillar |
| CHPG ChampionsGate Acquisition Corporation | $10.48 | +0.10% | $105M | 49 5-pillar |
| HVII Hennessy Capital Investment Corp. VII | $4.46 | -50.88% | $116M | 43 5-pillar |
| ACOG Alpha Cognition Inc. | $9.10 | +4.60% | $141M | — |
| TDWD Tailwind 2.0 Acquisition Corp. | $10.15 | +0.10% | $152M | 52 5-pillar |
| ETHM Dynamix Corp | $10.90 | -0.05% | $181M | 71 5-pillar |
| RILY BRC Group Holdings, Inc. | $4.86 | -3.67% | $195M | 65 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TMEB's Key Strengths?
Diversified business model with exposure to both financial services and healthcare.
- High profit margin of 35.3%.
- Strong gross margin of 100.0%.
- Low P/E ratio of 1.00.
What Are TMEB's Weaknesses?
Trades on the OTC market, which can be less liquid and more volatile.
- No dividend yield.
- Limited information available due to OTC status.
- Small market capitalization.
What Are the Key Risks for TMEB?
Regulatory changes in the financial services and healthcare industries.
- Increased competition from larger financial institutions and fintech companies.
- Economic downturn affecting consumer spending and investment.
- Volatility in the OTC market.
- Limited liquidity and transparency due to OTC status.
What Are TMEB's Competitive Advantages?
- Diversified revenue streams from financial services and healthcare investments.
- Established presence in the mortgage brokerage and electronic money services markets.
- Strategic investments in innovative medical technologies.
- Proprietary technology platform for GPR card services.
What Does TMEB Do?
Incorporated in 1987, Terme Bancorp, Inc., formerly known as Umbrella Bancorp, Inc. until its name change in January 2007, is a holding company headquartered in Chicago, Illinois. The company operates through its subsidiaries, delivering a range of financial services to consumers. These services include mortgage brokerage, facilitating home financing, and global electronic money services through general-purpose reloadable (GPR) cards, catering to the evolving needs of digital transactions. Beyond traditional banking services, Terme Bancorp strategically invests in various consumer-oriented medical initiatives. This includes investments in medical devices, health maintenance programs, and health enhancement products, showcasing a diversified approach to business. This unique combination of financial services and healthcare investments positions Terme Bancorp, Inc. as a multifaceted entity within the financial sector. The company aims to capitalize on the convergence of finance and healthcare, seeking growth opportunities in both domains. Terme Bancorp's evolution reflects its adaptability to market trends and its commitment to exploring diverse avenues for value creation.
What Products and Services Does TMEB Offer?
- Provides mortgage brokerage services to consumers.
- Offers global electronic money services through GPR cards.
- Invests in consumer-oriented medical initiatives.
- Invests in medical devices.
- Invests in health maintenance programs.
- Invests in health enhancement products.
How Does TMEB Make Money?
- Generates revenue from mortgage brokerage fees.
- Earns revenue from GPR card transaction fees.
- Receives returns on investments in medical companies.
- Profits from the sale of health maintenance and enhancement products.
What Industry Does TMEB Operate In?
Terme Bancorp, Inc. operates within the regional banking sector, which is undergoing significant transformation due to fintech disruption and evolving consumer preferences. The market for electronic money services is expanding, driven by the increasing adoption of digital payment solutions. Simultaneously, the healthcare industry is experiencing rapid innovation, creating opportunities for companies investing in medical devices and health-related products. Terme Bancorp's competitors include regional banks and financial service providers, such as APWL, CIVX, EXBX, PBAJ, and PMBY, as well as companies in the healthcare investment space.
Who Are TMEB's Key Customers?
- Consumers seeking mortgage financing.
- Individuals using GPR cards for electronic transactions.
- Patients and healthcare providers utilizing medical devices.
- Consumers interested in health maintenance and enhancement products.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
Terme Bancorp, Inc. operates in the Financial Services sector. It is headquartered in Chicago, US. The company is led by CEO John G. Yedinak. TMEB has traded publicly since 1998.
Key Financial Metrics
Return on equity for Terme Bancorp, Inc. stands at 61.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 24.0%, showing how much profit it generates from its asset base. TMEB trades at a trailing price-to-earnings ratio of 1.00, below the Financial Services sector average of ~17.20x. Its earnings yield is 133.3%, the inverse of the P/E and a quick read on earnings relative to price.
TMEB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
TMEB Latest News
No recent news available for TMEB.
TMEB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for TMEB.
Price Targets
Wall Street price target analysis for TMEB.
TMEB MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for TMEB; grades run from A+ (80-100) to F (below 30).
Leadership: John G. Yedinak
CEO
John G. Yedinak serves as the Chief Executive Officer of Terme Bancorp, Inc. His professional background includes extensive experience in the financial services sector, with a focus on strategic investments and business development. Yedinak has a proven track record in identifying and capitalizing on emerging market trends, particularly in the intersection of finance and healthcare. His expertise encompasses corporate finance, investment management, and regulatory compliance. Yedinak's leadership is characterized by a commitment to innovation and a focus on creating long-term value for shareholders.
Track Record: Under John G. Yedinak's leadership, Terme Bancorp, Inc. has diversified its business model to include investments in consumer-oriented medical initiatives. He spearheaded the company's expansion into the GPR card market, driving revenue growth and increasing market share. Yedinak has also overseen the company's efforts to navigate the evolving regulatory landscape and maintain compliance with industry standards.
TMEB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Terme Bancorp, Inc. may not meet the minimum financial standards or reporting requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited regulatory oversight and may not be required to file regular financial reports with the SEC. Investing in companies on the OTC Other tier carries significant risks due to the lack of transparency and potential for fraud. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, OTC Other stocks have less stringent listing requirements, resulting in a higher risk profile.
- OTC Tier: OTC Other
- Limited liquidity due to low trading volume.
- Lack of regulatory oversight and financial reporting requirements.
- Potential for fraud and manipulation.
- Wide bid-ask spreads.
- Difficulty in obtaining accurate and timely information about the company.
- Verify the company's registration and legal status.
- Obtain and review any available financial statements.
- Assess the company's management team and their track record.
- Research the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Consult with a financial advisor before investing.
- Understand the risks associated with investing in OTC stocks.
- Company has been in operation since 1987.
- Focus on regulated financial services like mortgage brokerage.
- CEO is identified, suggesting some level of transparency.
- Company has a registered headquarters in Chicago, Illinois.
Common Questions About TMEB (Financials)
What do analysts say about TMEB stock?
Currently, there is no readily available analyst coverage or consensus on Terme Bancorp, Inc. (TMEB) due to its OTC Other market status and limited public information. Key valuation metrics such as price targets and earnings estimates are not widely tracked.
What are the main risks for TMEB?
Terme Bancorp, Inc. faces several key risks, primarily stemming from its OTC Other market listing and diversified business model. The lack of liquidity and transparency associated with OTC stocks poses a significant challenge.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Information is limited due to the company's OTC Other status.
- Financial data is based on available information and may not be comprehensive.