Texas Community (TCBS)
NASDAQ:TCBS
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Texas Community
(NASDAQ:TCBS)
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Rating:55Neutral
Price Target:
$17.50
▲(3.86% Upside)
Action:ReiteratedDate:11/18/25
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
Free cash flow strength
Exceptionally 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.
Negative Factors
Low return on equity
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Free cash flow strength
Exceptionally 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.
Read all positive factors
Texas Community (TCBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$51.45M
Dividend Yield1.1%
Average Volume (3M)2.91K
Price to Earnings (P/E)16.5
Beta (1Y)0.09
Revenue Growth12.12%
EPS GrowthN/A
CountryUS
Employees60
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.82
Enterprise Value/Revenue3.72
Enterprise Value/Gross Profit6.15
Enterprise Value/Ebitda26.57
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
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...
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 onl...
Texas Community Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
60
Neutral
Cash Flow
70
Positive
| 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
Positive
16.85
Price Trends
16.78
Positive
16.55
Positive
16.26
Positive
Market Momentum
0.18
Negative
66.38
Neutral
59.66
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 above the 20-day moving average (MA) of 16.76, above the 50-day MA of 16.78, and above the 200-day MA of 16.26, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 66.38 is Neutral, neither overbought nor oversold. The STOCH value of 59.66 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $65.33M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $68.25M | 28.58 | 2.53% | ― | 76.66% | ― | |
55 Neutral | $51.45M | 16.46 | 4.77% | 1.10% | 12.12% | ― | |
48 Neutral | $24.70M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% |
* Financial Sector Average
TCBS
Texas Community
17.65
1.71
10.73%
OPHC
Optimumbank Holdings
5.37
1.20
28.78%
FSEA
First Seacoast Bancorp
12.74
1.46
12.94%
BAFN
BayFirst Financial Corp
6.01
-12.55
-67.62%
CLST
Catalyst Bancorp
16.56
4.91
42.15%
Texas Community Corporate Events
Business Operations and StrategyExecutive/Board Changes
Texas Community Appoints Jason McCrary as New CFO
Neutral
Dec 2, 2025
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 significan...
Business Operations and StrategyExecutive/Board Changes
Texas Community Announces New CFO Appointment
Neutral
Nov 13, 2025
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 stra...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.