TEXAS COMMUNITY BANCSHARES (TCBS) Fundamental Analysis & Valuation

NASDAQ:TCBS • US88231Q1085

Current stock price

18.49 USD
+2.23 (+13.71%)
Last:

This TCBS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. TCBS Profitability Analysis

1.1 Basic Checks

  • TCBS had positive earnings in the past year.
  • TCBS had a positive operating cash flow in the past year.
  • 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

  • The Return On Assets of TCBS (0.57%) is worse than 77.69% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.70%, TCBS is doing worse than 82.68% of the companies in the same industry.
Industry RankSector Rank
ROA 0.57%
ROE 4.7%
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

  • Looking at the Profit Margin, with a value of 15.86%, TCBS is doing worse than 78.74% of the companies in the same industry.
  • 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) 15.86%
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. TCBS Health Analysis

2.1 Basic Checks

  • TCBS does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TCBS has less shares outstanding than it did 1 year ago.
  • TCBS has less shares outstanding than it did 5 years ago.
  • 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

  • TCBS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC11.65%
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. TCBS Growth Analysis

3.1 Past

  • TCBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 220.53%, which is quite impressive.
  • Looking at the last year, TCBS shows a very strong growth in Revenue. The Revenue has grown by 56.98%.
  • TCBS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.40% yearly.
EPS 1Y (TTM)220.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%38.53%
Revenue 1Y (TTM)56.98%
Revenue growth 3Y1.64%
Revenue growth 5Y3.4%
Sales Q2Q%17.66%

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. TCBS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 21.25 indicates a rather expensive valuation of TCBS.
  • 84.51% of the companies in the same industry are cheaper than TCBS, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.23. TCBS is around the same levels.
Industry RankSector Rank
PE 21.25
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

  • TCBS's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TCBS is more expensive than 83.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 74.11
EV/EBITDA N/A
TCBS Per share dataTCBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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. TCBS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.11%, TCBS has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 1.11, TCBS pays less dividend than the industry average, which is at 2.78. 81.63% of the companies listed in the same industry pay a better dividend than TCBS!
  • Compared to an average S&P500 Dividend Yield of 1.89, TCBS's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.11%

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 2026 0.05 0.1 0.15

5.3 Sustainability

  • 19.22% of the earnings are spent on dividend by TCBS. This is a low number and sustainable payout ratio.
DP19.22%
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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TCBS Fundamentals: All Metrics, Ratios and Statistics

TEXAS COMMUNITY BANCSHARES

NASDAQ:TCBS (3/20/2026, 8:24:33 PM)

18.49

+2.23 (+13.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)03-17
Earnings (Next)05-01
Inst Owners11.57%
Inst Owner Change0.99%
Ins Owners17.29%
Ins Owner Change0%
Market Cap53.81M
Revenue(TTM)15.87M
Net Income(TTM)2.52M
Analysts0
Price TargetN/A
Short Float %0.11%
Short Ratio1.03
Dividend
Industry RankSector Rank
Dividend Yield 1.11%
Yearly Dividend0.16
Dividend Growth(5Y)N/A
DP19.22%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-10
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 21.25
Fwd PE N/A
P/S 3.39
P/FCF 74.11
P/OCF 54.51
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)0.87
EY4.71%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.25
FCFY1.35%
OCF(TTM)0.34
OCFY1.83%
SpS5.45
BVpS18.4
TBVpS18.39
PEG (NY)N/A
PEG (5Y)N/A
Graham Number18.98
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 4.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.86%
GM N/A
FCFM 4.57%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 44.62%
Cap/Sales 1.64%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 28.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.65%
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)220.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%38.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)56.98%
Revenue growth 3Y1.64%
Revenue growth 5Y3.4%
Sales Q2Q%17.66%
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 1Y184.42%
FCF growth 3Y-22.99%
FCF growth 5Y-18.28%
OCF growth 1Y-72.2%
OCF growth 3Y3.32%
OCF growth 5Y-1.56%

TEXAS COMMUNITY BANCSHARES / TCBS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TEXAS COMMUNITY BANCSHARES?

ChartMill assigns a fundamental rating of 3 / 10 to TCBS.


What is the valuation status of TEXAS COMMUNITY BANCSHARES (TCBS) stock?

ChartMill assigns a valuation rating of 0 / 10 to TEXAS COMMUNITY BANCSHARES (TCBS). This can be considered as Overvalued.


What is the profitability of TCBS stock?

TEXAS COMMUNITY BANCSHARES (TCBS) has a profitability rating of 2 / 10.


Can you provide the financial health for TCBS stock?

The financial health rating of TEXAS COMMUNITY BANCSHARES (TCBS) is 5 / 10.


How sustainable is the dividend of TEXAS COMMUNITY BANCSHARES (TCBS) stock?

The dividend rating of TEXAS COMMUNITY BANCSHARES (TCBS) is 2 / 10 and the dividend payout ratio is 19.22%.