Texas Community (TCBS)
NASDAQ:TCBS
TCBS Stock Chart & Stats
$16.85
-$0.13(-0.86%)
At close: 4:00 PM EST
$16.85
-$0.13(-0.86%)
Day’s Range― - ―
52-Week Range$15.01 - $20.00
Previous CloseN/A
Volume2.16K
Average Volume (3M)2.91K
Market Cap
$50.28M
Enterprise Value$93.47M
Total Cash (Recent Filing)$69.16M
Total Debt (Recent Filing)$48.77M
Price to Earnings (P/E)17.2
Beta0.09
Next EarningsN/A
EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.1%
Share Statistics
EPS (TTM)0.67
Shares Outstanding2,914,743
10 Day Avg. Volume3,126
30 Day Avg. Volume2,906
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.91
Price to Sales (P/S)2.18
P/FCF Ratio35.85
Enterprise Value/Market Cap1.86
Enterprise Value/Revenue3.70
Enterprise Value/Gross Profit6.12
Enterprise Value/Ebitda26.45
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthThe elimination of reported debt and a sizable equity base materially improve financial flexibility and reduce interest burdens, enabling the bank to support lending and absorb losses. A positive ROE in 2025 signals restored profitability capacity versus prior loss years, strengthening long-run solvency.
Cash Generation RecoveryPositive operating and free cash flow that covered net income in 2025 indicates improved earnings quality and internal funding for operations or capital needs. Consistent cash generation supports dividend capacity, loan growth funding, and reduces reliance on external financing over the medium term.
Community Banking ModelA community bank business model focused on core deposits, commercial and consumer lending, and fee income provides stable, relationship-driven revenues. Low-cost deposit funding and diversified fee streams support durable net interest margins and resilience across economic cycles for regional franchises.
Bears Say
Revenue Decline & VolatilityA material revenue decline in the latest year and multi-year swings in profitability create uncertainty about sustainable growth. Persistent top-line volatility constrains planning, caps scale benefits, and raises the risk that margins and earnings may revert under stress or slower loan origination environments.
Inconsistent Cash Flow HistoryIntermittent free cash flow undermines predictability of internal funding for credit growth, reserves, and shareholder returns. Episodic negative FCF years suggest sensitivity to loan mix, deposit behavior, or one-time items, increasing the chance of funding strain during economic downturns or higher credit losses.
Small Scale And Limited LiquidityModest staffing and low trading volume reflect a small franchise with limited scale advantages. Smaller banks face higher per-unit costs, narrower product breadth, and greater vulnerability to single-region economic shocks, reducing diversification and making long-term growth and efficiency harder to sustain.
Texas Community News
TCBS FAQ
What was Texas Community’s price range in the past 12 months?
Texas Community lowest stock price was $15.01 and its highest was $20.00 in the past 12 months.
What is Texas Community’s market cap?
Texas Community’s market cap is $50.28M.
When is Texas Community’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Texas Community’s earnings last quarter?
Texas Community released its earnings results on May 01, 2025. The company reported $0.217 earnings per share for the quarter, beating the consensus estimate of N/A by $0.217.
Is Texas Community overvalued?
According to Wall Street analysts Texas Community’s price is currently Overvalued.
Does Texas Community pay dividends?
Texas Community pays a Quarterly dividend of $0.08 which represents an annual dividend yield of 1.1%. See more information on Texas Community dividends here
What is Texas Community’s EPS estimate?
Texas Community’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Texas Community have?
Texas Community has 2,914,743 shares outstanding.
What happened to Texas Community’s price movement after its last earnings report?
Texas Community reported an EPS of $0.217 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.997%.
Which hedge fund is a major shareholder of Texas Community?
Currently, no hedge funds are holding shares in TCBS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Texas Community Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
7.58%
12-Months-Change
Fundamentals
Return on Equity
4.77%
Trailing 12-Months
Asset Growth
-1.47%
Trailing 12-Months
Company Description
Texas Community
Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.
Technical Analysis
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Ownership Overview
7.02% Insiders
1.97% Mutual Funds
2.72% Other Institutional Investors
86.42% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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