Texas Community (TCBS) AI Stock Analysis

• Market Cap: $50.20M
• Dividend Yield: 0.97%
• Average Volume (3M): 3.91K
• Price to Earnings (P/E): 24.6
• Beta (1Y): 0.14
• Revenue Growth: 19.16%
• EPS Growth: N/A
• Country: US
• Employees: 60
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.67
• Shares Outstanding: 3,042,652
• 10 Day Avg. Volume: 3,107
• 30 Day Avg. Volume: 3,908
• PEG Ratio: 0.09
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -103.87
• Enterprise Value/Market Cap: 1.62
• Enterprise Value/Revenue: 0.95
• Enterprise Value/Gross Profit: 5.60
• Enterprise Value/Ebitda: -28.25
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: $17.00 ▲(4.62%Upside)

Texas Community exhibits strong technical momentum and moderate financial performance, with potential risks in cash flow and leverage. While the valuation is fair, the dividend yield is relatively low. The stock's positive momentum is a significant strength, but the financial performance indicates a need for improved cash flow management to sustain growth.

Texas Community Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

TCBS generates revenue primarily through the interest earned on loans and mortgages it provides to individuals and businesses. Additionally, the company earns money from fees associated with account maintenance, overdraft protection, and transaction services. A significant portion of TCBS's income also comes from investment services and wealth management, where they offer personalized financial planning. Strategic partnerships with local businesses and community organizations further enhance their service offerings and client base, contributing to their overall earnings.

Texas Community Financial Statement Overview

Summary

Texas Community demonstrates strong revenue growth and a robust equity position, yet faces challenges with profitability and cash flow sustainability. The balance sheet stability offers some reassurance, but improving operational efficiency and profitability are crucial for future financial health.

Income Statement

Texas Community's revenue has grown significantly over recent years, particularly with a 103% increase from 2023 to 2024. However, the company has reported negative net income in the past two years, indicating challenges in profitability. Gross profit margins have been consistent, but the absence of EBIT and EBITDA margins suggests operational efficiency issues.

Balance Sheet

The company's balance sheet shows a strong equity position with a debt-free 2024, improving from prior years. The equity ratio is solid, suggesting stability, but the decrease in stockholders' equity over time and fluctuating total assets indicate some volatility in financial stability.

Cash Flow

Texas Community's cash flow statement reveals a mixed picture with positive operating cash flows, yet limited free cash flow growth due to significant capital expenditures in some years. The operating cash flow to net income ratio is high due to negative net income, highlighting cash flow generation despite profitability issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	24.79M	20.84M	19.33M	14.43M	12.25M	12.36M
Gross Profit	14.49M	10.78M	11.06M	11.94M	10.09M	9.37M
EBITDA	2.94M	-1.21M	-515.00K	2.61M	1.05M	1.37M
Net Income	2.02M	-1.30M	-733.00K	1.75M	518.00K	749.00K
Balance Sheet
Total Assets	442.21M	443.46M	452.04M	417.35M	364.83M	299.64M
Cash, Cash Equivalents and Short-Term Investments	92.69M	88.92M	111.04M	116.11M	77.41M	32.95M
Total Debt	49.56M	49.88M	76.90M	62.49M	27.57M	30.77M
Total Liabilities	389.45M	391.35M	398.36M	361.48M	304.69M	268.04M
Stockholders Equity	52.76M	52.11M	53.69M	55.87M	60.13M	31.94M
Cash Flow
Free Cash Flow	-476.00K	740.00K	-3.31M	2.74M	1.62M	1.10M
Operating Cash Flow	-233.00K	1.94M	2.29M	3.13M	1.76M	1.91M
Investing Cash Flow	14.79M	8.80M	-31.15M	-72.18M	-52.80M	-29.91M
Financing Cash Flow	-23.67M	-10.51M	33.00M	56.07M	64.88M	30.54M

Texas Community Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBS, the sentiment is Positive. The current price of 16.25 is above the 20-day moving average (MA) of 16.09, above the 50-day MA of 15.79, and above the 200-day MA of 15.44, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 66.77 is Neutral, neither overbought nor oversold. The STOCH value of 39.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TCBS.

Texas Community Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	81 Outperform	$53.00M	3.40	15.30%	―	43.98%	37.57%
BAFN	71 Outperform	$63.22M	6.85	10.87%	2.09%	8.22%	111.97%
Sector *	64 Neutral	$6.49B	11.28	7.19%	5.02%	23.75%	4.96%
TCBS	60 Neutral	$50.20M	24.63	3.88%	0.97%	19.16%	―
CLST	57 Neutral	$51.92M	22.55	2.70%	―	152.27%	―
CFSB	54 Neutral	$90.26M	―	>-0.01%	―	13.69%	77.14%

Texas Community Corporate Events

Texas Community Elects New Director at Annual Meeting

On May 20, 2025, Texas Community Bancshares, Inc. held its Annual Meeting of Stockholders, where Mark A. Pickens was elected as a director for a three-year term. Additionally, the appointment of Forvis Mazars, LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, was ratified.