Texas Community (TCBS)
NASDAQ:TCBS
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Texas Community
(NASDAQ:TCBS)
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Rating:64Neutral
Price Target:
$18.50
▲(9.79% Upside)
Action:ReiteratedDate:03/26/26
The score is driven primarily by improved 2025 financial health (return to profitability and sharply lower leverage), offset by multi-year earnings/cash-flow volatility and a 2025 revenue decline. Technicals are mildly constructive with the stock above major moving averages and positive MACD, while valuation is fair with a modest dividend yield.
Positive Factors
Balance Sheet Strength
The elimination of reported debt and a sizable equity base materially improve financial flexibility and reduce interest burdens, enabling the bank to support lending and absorb losses. A positive ROE in 2025 signals restored profitability capacity versus prior loss years, strengthening long-run solvency.
Negative Factors
Revenue Decline & Volatility
A material revenue decline in the latest year and multi-year swings in profitability create uncertainty about sustainable growth. Persistent top-line volatility constrains planning, caps scale benefits, and raises the risk that margins and earnings may revert under stress or slower loan origination environments.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
The elimination of reported debt and a sizable equity base materially improve financial flexibility and reduce interest burdens, enabling the bank to support lending and absorb losses. A positive ROE in 2025 signals restored profitability capacity versus prior loss years, strengthening long-run solvency.
Read all positive factors
Texas Community (TCBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$49.34M
Dividend Yield1.1%
Average Volume (3M)2.91K
Price to Earnings (P/E)17.2
Beta (1Y)0.08
Revenue Growth12.12%
EPS GrowthN/A
CountryUS
Employees60
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.67
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 Cap1.86
Enterprise Value/Revenue3.59
Enterprise Value/Gross Profit5.89
Enterprise Value/Ebitda24.10
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 primarily makes money through its banking subsidiary by earning net interest income and generating fee-based (noninterest) income. Net interest income is driven by interest earned on loans (e.g., commercial, real estate, and consumer lending)...
Texas Community Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
74
Positive
Cash Flow
62
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 25.57M | 20.84M | 19.33M | 14.43M | 12.25M |
| Gross Profit | 15.56M | 10.78M | 11.06M | 11.94M | 10.09M |
| EBITDA | 3.36M | -1.21M | -515.00K | 2.61M | 1.05M |
| Net Income | 2.84M | -1.30M | -733.00K | 1.75M | 518.00K |
Balance Sheet | |||||
| Total Assets | 430.42M | 443.46M | 452.04M | 417.35M | 364.83M |
| Cash, Cash Equivalents and Short-Term Investments | 63.77M | 88.92M | 111.04M | 116.11M | 77.41M |
| Total Debt | 46.25M | 49.88M | 76.90M | 62.49M | 27.57M |
| Total Liabilities | 376.08M | 391.35M | 398.36M | 361.48M | 304.69M |
| Stockholders Equity | 53.76M | 52.11M | 53.69M | 55.87M | 60.13M |
Cash Flow | |||||
| Free Cash Flow | 973.00K | 740.00K | -3.31M | 2.74M | 1.62M |
| Operating Cash Flow | 1.37M | 1.94M | 2.29M | 3.13M | 1.76M |
| Investing Cash Flow | 7.68M | 8.80M | -31.15M | -72.18M | -52.80M |
| Financing Cash Flow | -15.89M | -10.51M | 33.00M | 56.07M | 64.88M |
Texas Community Technical Analysis
Neutral
16.85
Price Trends
16.99
Positive
16.77
Positive
16.37
Positive
Market Momentum
0.15
Positive
48.03
Neutral
24.69
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBS, the sentiment is Neutral. The current price of 16.85 is below the 20-day moving average (MA) of 17.36, below the 50-day MA of 16.99, and above the 200-day MA of 16.37, indicating a neutral trend. The MACD of 0.15 indicates Positive momentum. The RSI at 48.03 is Neutral, neither overbought nor oversold. The STOCH value of 24.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 | $64.97M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
68 Neutral | $64.73M | 32.15 | 2.53% | ― | 76.66% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $49.34M | 17.24 | 5.34% | 1.10% | 12.12% | ― | |
46 Neutral | $28.02M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% |
* Financial Sector Average
TCBS
Texas Community
17.10
1.60
10.32%
OPHC
Optimumbank Holdings
5.34
1.53
40.16%
FSEA
First Seacoast Bancorp
12.12
1.11
10.04%
BAFN
BayFirst Financial Corp
6.86
-6.33
-47.99%
CLST
Catalyst Bancorp
15.95
4.90
44.34%
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.