TCBS - NASDAQ
Texas Community Bancshares, Inc.
$17.34
-0.21%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.
At a Glance
Live SnapshotTexas Community Bancshares, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
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DCF Valuation Summary
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.8M | $2.4M | $3.1M | $4.1M | $5.4M | $7.1M | $9.3M | $12.2M | $16.1M | $21.1M |
| Maintenance CapEx | -$103.6K | -$136.2K | -$179.1K | -$235.5K | -$309.7K | -$407.2K | -$535.4K | -$704.0K | -$925.7K | -$1.2M |
| Owner Earnings | $1.7M | $2.2M | $2.9M | $3.9M | $5.1M | $6.7M | $8.8M | $11.5M | $15.1M | $19.9M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $1.6M | $1.9M | $2.3M | $2.8M | $3.4M | $4.2M | $5.1M | $6.2M | $7.6M | $9.2M |
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