Texas Community Bancshares Inc (TCBS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Texas Community Bancshares Inc stock (TCBS) is currently trading at $17.65. Texas Community Bancshares Inc PE ratio is 20.52. Texas Community Bancshares Inc PS ratio (Price-to-Sales) is 3.20. WallStSmart rates TCBS as Underperform.
- TCBS PE ratio analysis and historical PE chart
- TCBS PS ratio (Price-to-Sales) history and trend
- TCBS intrinsic value — DCF, Graham Number, EPV models
- TCBS stock price prediction 2025 2026 2027 2028 2029 2030
- TCBS fair value vs current price
- TCBS insider transactions and insider buying
- Is TCBS undervalued or overvalued?
- Texas Community Bancshares Inc financial analysis — revenue, earnings, cash flow
- TCBS Piotroski F-Score and Altman Z-Score
- TCBS analyst price target and Smart Rating
Texas Community Bancshares Inc
📊 No data available
Try selecting a different time range
TCBS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Texas Community Bancshares Inc (TCBS)
TCBS trades at a significant discount to its Graham intrinsic value of $40.25, offering a 58% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Texas Community Bancshares Inc (TCBS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, eps growth, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Texas Community Bancshares Inc (TCBS) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 41.20% year-over-year
Strong profitability: $17 kept per $100 revenue
Texas Community Bancshares Inc (TCBS) Areas to Watch (6)
Very low returns on shareholder equity
Very low institutional interest at 11.56%
Micro-cap company with very limited liquidity and high volatility
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 3.20x sales
Solid revenue growth at 12.60% per year
Texas Community Bancshares Inc (TCBS) Detailed Analysis Report
Overall Assessment
This company scores 55/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, EPS Growth, Profit Margin. Valuation metrics including Price/Book (0.90) suggest the stock is attractively priced. Profitability is solid with Profit Margin at 16.50%. Growth metrics are encouraging with EPS Growth at 41.20%.
The Bear Case
The primary concerns are Return on Equity, Institutional Own., Market Cap. Some valuation metrics including Price/Sales (3.20) suggest expensive pricing. Growth concerns include Revenue Growth at 12.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.74%, Operating Margin at 19.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.74% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 12.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, EPS Growth) and negatives (Return on Equity, Institutional Own.). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TCBS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TCBS's Price-to-Sales ratio of 3.20x sits near its historical average of 3.09x (71th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 3.35x set in Mar 2026, and 8% above its historical low of 2.97x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Texas Community Bancshares Inc (TCBS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Texas Community Bancshares Inc is a mature, profitable business with steady cash generation. Revenue reached 15M with 13% growth year-over-year. Profit margins of 16.5% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 474.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 2M in free cash flow and 2M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Texas Community Bancshares Inc.
Bottom Line
Texas Community Bancshares Inc is a well-established business delivering consistent profitability with 16.5% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Texas Community Bancshares Inc(TCBS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Texas Community Bancshares Inc. is a community-focused financial institution headquartered in Texas, providing a diverse array of banking and financial products designed for both individuals and businesses. With a strong emphasis on personalized service and responsible lending, the company plays a pivotal role in fostering local economic growth. Texas Community Bancshares is dedicated to community engagement and enhancing financial literacy, establishing itself as a trusted partner that significantly contributes to the financial health and prosperity of the communities it serves. Through its comprehensive suite of services, including savings accounts, loans, and mortgages, the company aims to meet the evolving needs of its clients while promoting sustainable development in the region.