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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
$48.81M
Enterprise Value$91.57M
Total Cash (Recent Filing)$69.16M
Total Debt (Recent Filing)$48.77M
Price to Earnings (P/E)16.5
Beta0.15
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-0.39
Price to Book (P/B)0.85
Price to Sales (P/S)2.13
P/FCF Ratio60.08
Enterprise Value/Market Cap1.88
Enterprise Value/Revenue3.63
Enterprise Value/Gross Profit6.00
Enterprise Value/Ebitda25.92
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
Free Cash Flow StrengthExceptionally strong free cash flow growth and high free cash flow-to-net-income indicate durable cash generation capacity. This supports capital returns, balance sheet repair, and organic reinvestment, giving the bank flexibility to fund lending or dividends without relying on external financing.
Balanced LeverageA debt-to-equity near 0.93 suggests conservative leverage for a regional bank, reducing solvency risk and supporting regulatory resilience. Manageable leverage preserves capital flexibility for loan growth and buffers during credit cycles, aiding long-term stability of operations.
Active Capital ReturnsAuthorized buybacks and recent repurchases demonstrate a consistent capital-return discipline and confidence from management in surplus capital. Durable capital-return policy can enhance per-share economics and signal prudent capital allocation as core earnings and reserves allow.
Bears Say
Low Return On EquityA ROE of ~4.5% is weak for a regional bank and indicates limited effectiveness turning equity into shareholder returns. Persistently low ROE constrains long-term total shareholder return potential and signals the need for higher margins, better asset mix, or operational efficiency gains.
Weak Operating Cash ConversionLow operating cash flow relative to net income suggests earnings may not fully convert into core cash, raising questions about earnings quality and sustainability. Over time this can limit internally available funding for lending growth, dividends, or buybacks without relying on noncore cash sources.
Modest Profitability MarginsSub‑10% net margins and only modest operating margins constrain the bank's ability to absorb credit losses, invest in growth, or materially lift ROE. Structural margin pressure from competition or funding costs would require improved fee income or cost efficiency to drive durable earnings improvement.
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 $48.81M.
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 -1.007%.
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
4.74%
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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Catalyst Bancorp
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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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