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TCBS Stock Chart & Stats
$17.75
-$0.27(-1.52%)
At close: 4:00 PM EDT
$17.75
-$0.27(-1.52%)
Day’s Range― - ―
52-Week Range$15.70 - $20.00
Previous CloseN/A
Volume4.00
Average Volume (3M)2.91K
Market Cap
$50.78M
Enterprise Value$86.27
Total Cash (Recent Filing)$55.11M
Total Debt (Recent Filing)$41.57M
Price to Earnings (P/E)16.4
Beta0.06
Next Earnings
May 17, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.31%
Share Statistics
EPS (TTM)1.07
Shares Outstanding2,885,392
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)1.92
P/FCF Ratio50.37
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Revenue RecoveryA ~67% TTM revenue increase and roughly 12% net margin reflect a meaningful operational turnaround. Sustained top-line growth from lending and fee income broadens the revenue base, improving earnings power and providing durable capacity to fund reserves, reinvestment, and growth over the next several quarters.
Improved Cash GenerationSignificantly stronger operating and free cash flow, with FCF covering ~92% of net income, improves financial flexibility. Better cash conversion reduces reliance on external funding, supports dividends and loan originations, and gives management more options for capital allocation assuming the recent conversion trend persists.
Lower LeverageA materially lower debt-to-equity ratio increases the bank's resilience to interest-rate and credit shocks. Reduced leverage lowers funding costs and creates larger loss-absorbing capacity, which supports prudent lending and regulatory headroom—an enduring improvement to solvency and risk capacity.
Bears Say
Modest ReturnsA mid-single-digit ROE constrains the bank's ability to generate competitive shareholder returns from its equity base. Persistently low returns reduce retained-earnings growth, limit capital available for reinvestment or larger dividends, and make the franchise more dependent on margin expansion or efficiency gains to improve profitability.
Earnings And Margin VolatilityHistoric swings in margins and prior losses indicate earnings are sensitive to funding, credit costs and rate dynamics. That volatility complicates provisioning and capital planning; until multi-period stability is demonstrated, predictability of future earnings and free-cash-flow remains limited, raising execution risk.
Small Franchise ScaleA relatively small equity base and compact operating scale constrain diversification and raise per-unit operating costs. Limited scale reduces room to absorb large credit losses, increases sensitivity to idiosyncratic shocks, and restricts investment capacity for technology or branch expansion versus larger regional peers.
Texas Community News
TCBS FAQ
What was Texas Community’s price range in the past 12 months?
Texas Community lowest stock price was $15.70 and its highest was $20.00 in the past 12 months.
What is Texas Community’s market cap?
Texas Community’s market cap is $50.78M.
When is Texas Community’s upcoming earnings report date?
Texas Community’s upcoming earnings report date is May 17, 2027 which is in 287 days.
How were Texas Community’s earnings last quarter?
Currently, no data Available
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 $0.06 which represents an annual dividend yield of 1.31%. 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 2,885,392 shares outstanding.
What happened to Texas Community’s price movement after its last earnings report?
Currently, no data Available
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
1.31%
Trailing 12-Months
Asset Growth
-2.66%
Trailing 12-Months
Company Description
Texas Community
Texas Community Bancshares, Inc. operates as the parent company for Mineola Community Bank, S.S.B., delivering a comprehensive suite of financial products and services. These offerings serve both individual consumers and businesses throughout Mineola, Texas, its surrounding communities, and the broader Dallas-Fort Worth metropolitan area. The bank offers various deposit accounts, such as traditional checking and savings, certificates of deposit, and individual retirement accounts. Its lending portfolio predominantly includes mortgages for one-to-four family residences, as well as commercial real estate, construction, and land development loans. Further credit options are available for agricultural endeavors, general commercial needs, and a range of consumer purposes, including vehicle, boat, and unsecured personal loans. Beyond core banking activities, the company also engages in securities investments. Customers can additionally access services like sweep accounts, secure safe deposit boxes, various card solutions, and convenient online and mobile banking platforms. Established in 1934, Texas Community Bancshares, Inc. maintains its corporate headquarters in Mineola, Texas.
Technical Analysis
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Ownership Overview
5.11% Insiders
2.45% Mutual Funds
4.44% Other Institutional Investors
85.74% Public Companies and
Individual Investors