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TEXAS COMMUNITY BANCSHARES (TCBS) Stock Fundamental Analysis

NASDAQ:TCBS - Nasdaq - US88231Q1085 - Common Stock - Currency: USD

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Fundamental Rating

3

TCBS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. TCBS scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. TCBS does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year TCBS was profitable.
In the past year TCBS has reported a negative cash flow from operations.
In multiple years TCBS reported negative net income over the last 5 years.
In the past 5 years TCBS always reported a positive cash flow from operatings.
TCBS Yearly Net Income VS EBIT VS OCF VS FCFTCBS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2M -2M

1.2 Ratios

TCBS has a worse Return On Assets (0.46%) than 77.66% of its industry peers.
TCBS has a worse Return On Equity (3.83%) than 82.49% of its industry peers.
Industry RankSector Rank
ROA 0.46%
ROE 3.83%
ROIC N/A
ROA(3y)-0.01%
ROA(5y)0.07%
ROE(3y)-0.25%
ROE(5y)0.5%
ROIC(3y)N/A
ROIC(5y)N/A
TCBS Yearly ROA, ROE, ROICTCBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 1 -1 2 -2 3

1.3 Margins

With a Profit Margin value of 13.45%, TCBS is not doing good in the industry: 79.44% of the companies in the same industry are doing better.
The Operating Margin and Gross Margin are not available for TCBS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 13.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
TCBS Yearly Profit, Operating, Gross MarginsTCBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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5

2. Health

2.1 Basic Checks

TCBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TCBS has less shares outstanding
Compared to 5 years ago, TCBS has less shares outstanding
TCBS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TCBS Yearly Shares OutstandingTCBS Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B
TCBS Yearly Total Debt VS Total AssetsTCBS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

There is no outstanding debt for TCBS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.01%
TCBS Yearly LT Debt VS Equity VS FCFTCBS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TCBS Yearly Current Assets VS Current LiabilitesTCBS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 10M 20M 30M

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3

3. Growth

3.1 Past

TCBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 184.64%, which is quite impressive.
TCBS shows a strong growth in Revenue. In the last year, the Revenue has grown by 60.25%.
Measured over the past years, TCBS shows a small growth in Revenue. The Revenue has been growing by 3.40% on average per year.
EPS 1Y (TTM)184.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%123.98%
Revenue 1Y (TTM)60.25%
Revenue growth 3Y1.64%
Revenue growth 5Y3.4%
Sales Q2Q%732.72%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
TCBS Yearly Revenue VS EstimatesTCBS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 23.19 indicates a rather expensive valuation of TCBS.
81.73% of the companies in the same industry are cheaper than TCBS, based on the Price/Earnings ratio.
TCBS is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.18, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 23.19
Fwd PE N/A
TCBS Price Earnings VS Forward Price EarningsTCBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TCBS Per share dataTCBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.95%, TCBS is not a good candidate for dividend investing.
With a Dividend Yield of 0.95, TCBS pays less dividend than the industry average, which is at 3.30. 82.23% of the companies listed in the same industry pay a better dividend than TCBS!
Compared to an average S&P500 Dividend Yield of 2.34, TCBS's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.95%

5.2 History

TCBS has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
TCBS Yearly Dividends per shareTCBS Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.05 0.1 0.15

5.3 Sustainability

24.67% of the earnings are spent on dividend by TCBS. This is a low number and sustainable payout ratio.
DP24.67%
EPS Next 2YN/A
EPS Next 3YN/A
TCBS Yearly Income VS Free CF VS DividendTCBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 2M -2M
TCBS Dividend Payout.TCBS Dividend Payout, showing the Payout Ratio.TCBS Dividend Payout.PayoutRetained Earnings

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TEXAS COMMUNITY BANCSHARES

NASDAQ:TCBS (7/15/2025, 8:25:07 PM)

16

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)02-11 2022-02-11
Inst Owners9.49%
Inst Owner Change0%
Ins Owners21.24%
Ins Owner Change-1.22%
Market Cap48.64M
Analysts0
Price TargetN/A
Short Float %0.15%
Short Ratio0.68
Dividend
Industry RankSector Rank
Dividend Yield 0.95%
Yearly Dividend0.16
Dividend Growth(5Y)N/A
DP24.67%
Div Incr Years1
Div Non Decr Years1
Ex-Date06-05 2025-06-05 (0.04)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 23.19
Fwd PE N/A
P/S 3.23
P/FCF N/A
P/OCF N/A
P/B 0.92
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)0.69
EY4.31%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.17
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS4.95
BVpS17.35
TBVpS17.32
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 3.83%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.45%
GM N/A
FCFM N/A
ROA(3y)-0.01%
ROA(5y)0.07%
ROE(3y)-0.25%
ROE(5y)0.5%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.19%
Cap/Sales 1.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.01%
ROIC/WACCN/A
Cap/Depr(3y)542.64%
Cap/Depr(5y)369.62%
Cap/Sales(3y)21.18%
Cap/Sales(5y)14.63%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)184.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%123.98%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)60.25%
Revenue growth 3Y1.64%
Revenue growth 5Y3.4%
Sales Q2Q%732.72%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-131.3%
FCF growth 3Y-22.99%
FCF growth 5Y-18.28%
OCF growth 1Y-109.79%
OCF growth 3Y3.32%
OCF growth 5Y-1.56%