Texas Community (TCBS) AI Stock Analysis

• Market Cap: $48.50M
• Dividend Yield: 1.1%
• Average Volume (3M): 2.91K
• Price to Earnings (P/E): 19.9
• Beta (1Y): 0.12
• Revenue Growth: 12.12%
• EPS Growth: N/A
• Country: US
• Employees: 60
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.67
• Shares Outstanding: 2,914,743
• 10 Day Avg. Volume: 3,126
• 30 Day Avg. Volume: 2,906
• PEG Ratio: -0.39
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 2.13
• P/FCF Ratio: 60.08
• Enterprise Value/Market Cap: 1.87
• Enterprise Value/Revenue: 3.60
• Enterprise Value/Gross Profit: 5.96
• Enterprise Value/Ebitda: 25.74
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: $16.00 ▼(-5.04% Downside)

Texas Community's stock score is primarily influenced by its solid financial performance, particularly in cash flow generation. However, the technical analysis indicates a bearish trend, and the valuation suggests potential overvaluation. These factors collectively result in a moderate overall stock score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market reach and successful engagement in community initiatives, supporting long-term sustainability.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing for reinvestment in community projects and strategic initiatives.

CFO Transition

The new CFO brings extensive experience, potentially strengthening financial leadership and strategic execution for future growth.

Negative Factors

Profitability Challenges

Low profitability may limit the ability to fund new projects and initiatives, impacting long-term growth and community impact.

Operational Cash Flow

Challenges in operational cash flow generation could constrain day-to-day operations and limit the ability to respond to new opportunities.

Return on Equity

Low return on equity indicates inefficiencies in using shareholder funds, potentially affecting investor confidence and future capital raising.

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 through multiple streams, primarily relying on donations, grants, and sponsorships from local businesses and philanthropic organizations. Additionally, the company hosts fundraising events and community programs that not only engage the public but also serve as revenue-generating opportunities. Membership fees from individuals and local businesses who wish to be part of the community network further contribute to TCBS's financial sustainability. Strategic partnerships with government agencies and other nonprofits also provide access to funding and resources that support TCBS's initiatives.

Texas Community Financial Statement Overview

Summary

Texas Community demonstrates solid revenue growth and effective cost management, as evidenced by its strong gross profit margin. While leverage is balanced, profitability metrics such as net profit margin and return on equity indicate room for improvement. The company shows robust cash flow generation, particularly in free cash flow, which supports its financial stability. Overall, Texas Community is on a positive trajectory but needs to enhance profitability and operational cash flow efficiency.

Income Statement

Texas Community shows a positive revenue growth trend with a TTM growth rate of 1.84%. The gross profit margin is strong at 45.63%, indicating efficient cost management. However, the net profit margin is relatively low at 9.73%, suggesting room for improvement in profitability. The EBIT and EBITDA margins are modest, reflecting moderate operational efficiency.

Balance Sheet

The debt-to-equity ratio of 0.93 indicates a balanced leverage position, which is a positive sign for stability. However, the return on equity is low at 4.47%, suggesting limited profitability from shareholders' investments. The equity ratio is not provided, but the overall leverage appears manageable.

Cash Flow

The company exhibits a significant free cash flow growth rate of 2168.75% in the TTM, indicating strong cash generation capabilities. The free cash flow to net income ratio is high at 92.45%, reflecting effective cash conversion. However, the operating cash flow to net income ratio is low, suggesting potential challenges in operational cash flow generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	25.23M	20.84M	19.33M	14.43M	12.25M	12.36M
Gross Profit	15.27M	10.78M	11.06M	11.94M	10.09M	9.37M
EBITDA	3.53M	-1.21M	-515.00K	2.61M	1.05M	1.37M
Net Income	2.52M	-1.30M	-733.00K	1.75M	518.00K	749.00K
Balance Sheet
Total Assets	439.49M	443.46M	452.04M	417.35M	364.83M	299.64M
Cash, Cash Equivalents and Short-Term Investments	69.16M	88.92M	111.04M	116.11M	77.41M	32.95M
Total Debt	48.77M	49.88M	76.90M	62.49M	27.57M	30.77M
Total Liabilities	385.95M	391.35M	398.36M	361.48M	304.69M	267.70M
Stockholders Equity	53.53M	52.11M	53.69M	55.87M	60.13M	31.94M
Cash Flow
Free Cash Flow	726.00K	740.00K	-3.31M	2.74M	1.62M	1.10M
Operating Cash Flow	987.00K	1.94M	2.29M	3.13M	1.76M	1.91M
Investing Cash Flow	3.42M	8.80M	-31.15M	-72.18M	-52.80M	-29.91M
Financing Cash Flow	-9.98M	-10.51M	33.00M	56.07M	64.88M	30.54M

Texas Community Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.85
• 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 16.85 is below the 20-day moving average (MA) of 17.02, above the 50-day MA of 16.61, and above the 200-day MA of 16.06, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 50.15 is Neutral, neither overbought nor oversold. The STOCH value of 71.10 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	73 Outperform	$54.32M	4.10	15.03%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLST	65 Neutral	$63.97M	27.62	2.72%	―	76.66%	―
BAFN	58 Neutral	$27.99M	-1.15	-11.14%	4.10%	1.63%	-508.72%
TCBS	55 Neutral	$48.50M	19.88	4.74%	1.10%	12.12%	―

Texas Community Corporate Events

Texas Community Appoints Jason McCrary as New CFO

On December 1, 2025, Jason McCrary, CPA, was appointed as the Chief Financial Officer of Texas Community Bancshares, Inc. and its bank subsidiary, Broadstreet Bank, SSB. This appointment, initially reported on November 13, 2025, marks a significant leadership change for the company, potentially impacting its financial strategy and operations.

The most recent analyst rating on (TCBS) stock is a Hold with a $16.00 price target. To see the full list of analyst forecasts on Texas Community stock, see the TCBS Stock Forecast page.

Texas Community Announces New CFO Appointment

On November 10, 2025, Texas Community Bancshares, Inc. announced the retirement of Julie Sharff as Chief Financial Officer, effective December 1, 2025, with Jason McCrary set to succeed her. Sharff, who has been pivotal in the company’s strategic growth over her 28-year tenure, will continue as a consultant until May 2026 to ensure a smooth transition. McCrary, who joined the company in 2024, brings extensive experience in accounting and finance, having previously served as CFO at a major community bank. His appointment is part of the company’s strategy to enhance financial performance and sustain long-term growth.

The most recent analyst rating on (TCBS) stock is a Hold with a $16.50 price target. To see the full list of analyst forecasts on Texas Community stock, see the TCBS Stock Forecast page.