image
Texas Community Bancshares, Inc. TCBS
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 15.95
-0.251 %
$ 48.5 M
Market Cap
23.73
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one TCBS stock under the worst case scenario is HIDDEN Compared to the current market price of 15.9 USD, Texas Community Bancshares, Inc. is HIDDEN

TCBS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one TCBS stock under the base case scenario is HIDDEN Compared to the current market price of 15.9 USD, Texas Community Bancshares, Inc. is HIDDEN

TCBS Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one TCBS stock under the best case scenario is HIDDEN Compared to the current market price of 15.9 USD, Texas Community Bancshares, Inc. is HIDDEN

TCBS Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart TCBS

image
1M 2%
6M 7.0%
1Y 10%
3Y 4%
5Y --%
All
$17.0$17.0$16.8$16.8$16.6$16.6$16.4$16.4$16.2$16.2$16.0$16.0$15.8$15.8$15.6$15.6$15.4$15.4$15.2$15.2$15.0$15.0$14.8$14.815 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
10.9 M REVENUE
-1.14%
Growth Rates
1Year -1.14%
3Years 2.56%
5Years 3.95%
7Years 0.00%
10Years 0.00%
-1.49 M OPERATING INCOME
-59.45%
Growth Rates
1Year -59.45%
3Years -51.03%
5Years -16.66%
7Years 0.00%
10Years 0.00%
-1.3 M NET INCOME
-78.04%
Growth Rates
1Year -78.04%
3Years -52.11%
5Years -17.45%
7Years 0.00%
10Years 0.00%
1.94 M OPERATING CASH FLOW
-15.17%
Growth Rates
1Year -15.17%
3Years 3.38%
5Years -1.54%
7Years 0.00%
10Years 0.00%
8.8 M INVESTING CASH FLOW
128.25%
Growth Rates
1Year 128.25%
3Years 29.40%
5Years 19.25%
7Years 0.00%
10Years 0.00%
-10.5 M FINANCING CASH FLOW
-31.86%
Growth Rates
1Year -31.86%
3Years -5.13%
5Years -11.74%
7Years 0.00%
10Years 0.00%
6.1 M REVENUE
-4.56%
Growth Rates
1Year -1.14%
3Years 2.56%
5Years 3.95%
7Years 0.00%
10Years 0.00%
749 K OPERATING INCOME
22.59%
Growth Rates
1Year -59.45%
3Years -51.03%
5Years -16.66%
7Years 0.00%
10Years 0.00%
643 K NET INCOME
24.37%
Growth Rates
1Year -78.04%
3Years -52.11%
5Years -17.45%
7Years 0.00%
10Years 0.00%
-1.53 M OPERATING CASH FLOW
-1865.38%
Growth Rates
1Year -15.17%
3Years 3.38%
5Years -1.54%
7Years 0.00%
10Years 0.00%
-701 K INVESTING CASH FLOW
-637.27%
Growth Rates
1Year 128.25%
3Years 29.40%
5Years 19.25%
7Years 0.00%
10Years 0.00%
766 K FINANCING CASH FLOW
117.03%
Growth Rates
1Year -31.86%
3Years -5.13%
5Years -11.74%
7Years 0.00%
10Years 0.00%
Balance Sheet Texas Community Bancshares, Inc.
image
Current Assets 82.4 M
Cash & Short-Term Investments 79.2 M
Receivables 3.21 M
Other Current Assets 0
Non-Current Assets 342 M
Long-Term Investments 318 M
PP&E 11.5 M
Other Non-Current Assets 12.4 M
18.66 %74.95 %2.91 %Total Assets$424.5m
Current Liabilities 260 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 260 M
Non-Current Liabilities 49.9 M
Long-Term Debt 49.9 M
Other Non-Current Liabilities 0
83.88 %16.12 %Total Liabilities$309.4m
EFFICIENCY
Earnings Waterfall Texas Community Bancshares, Inc.
image
Revenue 10.9 M
Cost Of Revenue 0
Gross Profit 10.8 M
Operating Expenses 10.9 M
Operating Income -1.49 M
Other Expenses -189 K
Net Income -1.3 M
12m12m10m10m8m8m6m6m4m4m2m2m00(2m)(2m)11m011m(11m)(1m)189k(1m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
98.55% GROSS MARGIN
98.55%
Averages
1Year 98.55%
3Years 99.52%
5Years 95.55%
7Years 0.00%
10Years 0.00%
-13.66% OPERATING MARGIN
-13.66%
Averages
1Year -13.66%
3Years 2.93%
5Years 4.49%
7Years 0.00%
10Years 0.00%
-11.94% NET MARGIN
-11.94%
Averages
1Year -11.94%
3Years -1.37%
5Years 1.41%
7Years 0.00%
10Years 0.00%
-2.50% ROE
-2.50%
Averages
1Year -2.50%
3Years -0.24%
5Years 0.50%
7Years 0.00%
10Years 0.00%
-0.29% ROA
-0.29%
Averages
1Year -0.29%
3Years -0.01%
5Years 0.07%
7Years 0.00%
10Years 0.00%
-0.66% ROIC
-0.66%
Averages
1Year -0.66%
3Years 0.20%
5Years 0.08%
7Years 0.00%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Texas Community Bancshares, Inc.
image
3m3m2m2m1m1m00(1m)(1m)(2m)(2m)(3m)(3m)(4m)(4m)202020202021202120222022202320232024202420252025
Net Income -1.3 M
Depreciation & Amortization 572 K
Capital Expenditures -1.2 M
Stock-Based Compensation 980 K
Change in Working Capital -1.7 M
Others 3.87 M
Free Cash Flow 740 K
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Texas Community Bancshares, Inc.
image
TCBS has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.26% DIVIDEND YIELD
0.04 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.180.180.160.160.140.140.120.120.100.100.080.080.060.060.040.040.020.020.000.000.020.040.040.030.040.040.030.040.030.110.040.160.08202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Texas Community Bancshares, Inc.
image
Sold
0-3 MONTHS
99.5 K USD 4
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
69.7 K USD 1
Bought
9.38 K USD 1
0-3 MONTHS
42.1 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
210 K USD 3
9-12 MONTHS
7. News
Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend MINEOLA, Texas , May 20, 2025 /PRNewswire/ -- Texas Community Bancshares, Inc. (the "Company") (NASDAQ: "TCBS"), the holding company of Broadstreet Bank, SSB, announced today that its Board of Directors has declared the payment of a quarterly cash dividend in the amount of $0.04 per share of common stock. The dividend will be payable on or about June 20, 2025 to stockholders of record as of the close of business on June 5, 2025. prnewswire.com - 3 weeks ago
TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED MARCH 31, 2025 MINEOLA, Texas , May 1, 2025 /PRNewswire/ -- Texas Community Bancshares, Inc. ("Texas Community Bancshares" or the "Company") (NASDAQ: TCBS), the holding company for Broadstreet Bank, SSB, today reported net income of $643,000 for the three months ended March 31, 2025 compared to a net loss of $2.7 million for the three months ended March 31, 2024. Income per basic and diluted shares for the three months ended March 31, 2025 was $0.22 per share. prnewswire.com - 1 month ago
Texas Community Bancshares, Inc. Authorizes New Stock Repurchase Program MINEOLA, Texas , Feb. 27, 2025 /PRNewswire/ -- Texas Community Bancshares, Inc. (the "Company") (NASDAQ: TCBS), the holding company of Broadstreet Bank, SSB, announced that its Board of Directors has approved a new stock repurchase program that authorizes the Company to repurchase up to 153,083 shares, which equals approximately 5% of its outstanding common stock as of February 25, 2025. The Company also announced that as of February 25, 2025, it had repurchased over 85% of the 161,316 shares of its common stock authorized under the prior share repurchase program previously disclosed. prnewswire.com - 3 months ago
Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend MINEOLA, Texas , Nov. 19, 2024 /PRNewswire/ -- Texas Community Bancshares, Inc. (the "Company") (NASDAQ: "TCBS"), the holding company of Broadstreet Bank, SSB, announced today that its Board of Directors has declared the payment of a quarterly cash dividend in the amount of $0.04 per share of common stock. The dividend will be payable on or about December 26, 2024 to stockholders of record as of the close of business on December 12, 2024. prnewswire.com - 6 months ago
Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend MINEOLA, Texas , Aug. 27, 2024 /PRNewswire/ -- Texas Community Bancshares, Inc. (the "Company") (NASDAQ: "TCBS"), the holding company of Broadstreet Bank, SSB, announced today that its Board of Directors has declared the payment of a quarterly cash dividend in the amount of $0.04 per share of common stock. The dividend will be payable on or about September 26, 2024 to stockholders of record as of the close of business on September 12, 2024. prnewswire.com - 9 months ago
Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend MINEOLA, Texas , May 21, 2024 /PRNewswire/ -- Texas Community Bancshares, Inc. (the "Company") (NASDAQ: "TCBS"), the holding company of Broadstreet Bank, SSB, announced today that its Board of Directors has declared the payment of a quarterly cash dividend in the amount of $0.04 per share of common stock. The dividend will be payable on or about June 28, 2024 to stockholders of record as of the close of business on June 14, 2024. prnewswire.com - 1 year ago
TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THREE MONTHS ENDED MARCH 31, 2024 AND 2023 MINEOLA, Texas , May 13, 2024 /PRNewswire/ -- Texas Community Bancshares, Inc. ("Texas Community Bancshares" or the "Company") (NASDAQ: TCBS), the holding company for Broadstreet Bank, SSB, today reported a net loss of $2.7 million for the three months ended March 31, 2024 compared to net loss of $1.0 million for the three months ended March 31, 2023. Losses per basic and diluted shares for the three months ended March 31, 2024 were $(0.90) and $(0.89) respectively, compared to losses per basic and diluted share of $(0.33) for the three months ended March 31, 2023. prnewswire.com - 1 year ago
TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE YEAR ENDED DECEMBER 31, 2023 MINEOLA, Texas , Feb. 23, 2024 /PRNewswire/ -- Texas Community Bancshares, Inc. ("Texas Community Bancshares" or the "Company") (NASDAQ: TCBS), the holding company for Broadstreet Bank, SSB, today reported a net loss of $733,000 for the year ended December 31, 2023, compared to net income of $1,754,000 for 2022. Losses per basic and diluted share for the year ended December 31, 2023 were $(0.24), compared to basic and diluted earnings per share of $0.58 for 2022. prnewswire.com - 1 year ago
Texas Community Bancshares: Hidden Gem With Texas-Sized Upside Despite a strong capital position and attractive credit metrics, TCBS trades at just 80% of tangible book value. It is rare for healthy, Texas-based banks to trade below book value. seekingalpha.com - 3 years ago
Texas Community Bancshares, Inc. Completes Initial Public Offering MINEOLA, Texas, July 14, 2021 /PRNewswire/ -- Texas Community Bancshares, Inc. (the "Company"), the holding company of Mineola Community Bank, S.S.B. ("Mineola Community Bank"), announced today that it has completed its initial public offering in connection with the conversion of Mineola Community Mutual Holding Company from the mutual holding company to the stock holding company form of organization. prnewswire.com - 3 years ago
8. Profile Summary

Texas Community Bancshares, Inc. TCBS

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 48.5 M
Dividend Yield 0.26%
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.
Contact 215 West Broad Street, Mineola, TX, 75773 https://www.mineolacb.com
IPO Date July 16, 2021
Employees 60
Officers Ms. Brittany Bessonett Senior Vice President & Marketing Director Mr. Clinton Yarbrough Senior Vice President Ms. Julie Sharff CPA Chief Financial Officer Ms. Sofia Gurrusquieta Senior Accounting Officer & CRA Officer Mr. Haskell Strange Senior Vice President & Chief Operating Officer Mr. Jason Sobel President, Chief Executive Officer & Director Ms. Sheree A. Mize Corporate Secretary