Texas Community (TCBS) AI Stock Analysis

• Market Cap: $47.40M
• Dividend Yield: 1.03%
• Average Volume (3M): 2.08K
• Price to Earnings (P/E): 23.3
• Beta (1Y): 0.18
• Revenue Growth: 19.16%
• EPS Growth: N/A
• Country: US
• Employees: 60
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.67
• Shares Outstanding: 3,042,652
• 10 Day Avg. Volume: 2,461
• 30 Day Avg. Volume: 2,081
• PEG Ratio: 0.09
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 65.62
• Enterprise Value/Market Cap: 0.78
• Enterprise Value/Revenue: 0.55
• Enterprise Value/Gross Profit: 2.26
• Enterprise Value/Ebitda: -4.08
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 48 Neutral
• Price Target: ―

Texas Community Bank's overall score is influenced by its strong revenue growth and stable equity position, but is hindered by profitability challenges and bearish technical indicators. The negative P/E ratio and modest dividend yield further impact the stock's appeal. Improving operational efficiency and profitability are critical for enhancing future stock performance.

Texas Community Business Overview & Revenue Model

Company Description

Texas Community Banking Services (TCBS) is a financial institution based in Texas, specializing in providing a wide range of banking and financial products to individuals, small businesses, and corporations. TCBS is committed to fostering economic growth and community development by offering tailored financial solutions such as personal and commercial loans, savings and checking accounts, and investment advisory services. The company prides itself on its customer-centric approach, leveraging local market knowledge to deliver personalized banking experiences.

How the Company Makes Money

TCBS generates revenue primarily through the interest income earned on loans and credit products offered to individuals and businesses. Additionally, the company earns money from service fees associated with account maintenance, transaction services, and financial advisory. TCBS also profits from investment activities and partnerships with other financial institutions for collaborative products and services. Key factors contributing to its earnings include the strategic management of interest rates, the expansion of its customer base through community engagement, and the development of innovative banking solutions tailored to the needs of the local market.

Texas Community Financial Statement Overview

Summary

Texas Community demonstrates strong revenue growth and a robust equity position, yet faces challenges with profitability and cash flow sustainability. The balance sheet stability offers some reassurance, but improving operational efficiency and profitability are crucial for future financial health.

Income Statement

Texas Community's revenue has grown significantly over recent years, particularly with a 103% increase from 2023 to 2024. However, the company has reported negative net income in the past two years, indicating challenges in profitability. Gross profit margins have been consistent, but the absence of EBIT and EBITDA margins suggests operational efficiency issues.

Balance Sheet

The company's balance sheet shows a strong equity position with a debt-free 2024, improving from prior years. The equity ratio is solid, suggesting stability, but the decrease in stockholders' equity over time and fluctuating total assets indicate some volatility in financial stability.

Cash Flow

Texas Community's cash flow statement reveals a mixed picture with positive operating cash flows, yet limited free cash flow growth due to significant capital expenditures in some years. The operating cash flow to net income ratio is high due to negative net income, highlighting cash flow generation despite profitability issues.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
10.93M	11.06M	12.14M	10.13M	9.85M
	Gross Profit
10.93M	11.42M	12.14M	10.13M	9.85M
	EBIT
-1.49M	0.00	4.45M	611.00K	941.87K
	EBITDA
0.00	0.00	2.61M	1.05M	1.37M
	Net Income Common Stockholders
-1.30M	-733.00K	1.75M	518.00K	749.00K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
79.20M	13.06M	120.19M	77.41M	32.95M
	Total Assets
443.46M	452.04M	417.35M	364.83M	299.64M
	Total Debt
49.88M	76.90M	62.49M	27.57M	30.77M
	Net Debt
36.14M	59.19M	53.54M	6.96M	10.79M
	Total Liabilities
391.35M	398.36M	62.49M	27.57M	30.77M
	Stockholders Equity
52.11M	53.69M	55.87M	60.13M	31.94M
Cash Flow		Free Cash Flow
740.00K	-3.31M	2.74M	1.62M	1.11M
	Operating Cash Flow
1.94M	2.29M	3.13M	1.76M	1.91M
	Investing Cash Flow
8.80M	-31.15M	-72.18M	-52.80M	-29.91M
	Financing Cash Flow
-10.51M	33.00M	56.07M	64.88M	30.54M

Texas Community Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 15.58
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBS, the sentiment is Negative. The current price of 15.58 is above the 20-day moving average (MA) of 15.55, below the 50-day MA of 15.81, and above the 200-day MA of 15.18, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 47.71 is Neutral, neither overbought nor oversold. The STOCH value of 19.49 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TCBS.

Texas Community Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	75 Outperform	$52.76M	3.28	15.30%	―	43.98%	37.57%
Sector *	64 Neutral	$12.66B	9.79	7.67%	17015.07%	12.23%	-6.06%
BAFN	63 Neutral	$62.76M	6.80	10.87%	2.04%	8.22%	112.31%
CFSB	60 Neutral	$53.63M	―	>-0.01%	―	13.69%	77.14%
CLST	57 Neutral	$48.91M	21.42	2.70%	―	152.27%	―
TCBS	48 Neutral	$47.40M	23.26	3.88%	1.03%	19.16%	―

Texas Community Corporate Events

Texas Community Directors Announce Departure Before 2025 Meeting

On January 21, 2025, Clifton D. Bradshaw and Robert L. Smith, III announced they would not seek re-election as directors of Texas Community Bancshares, Inc., with their terms ending at the 2025 Annual Meeting of Stockholders. Their departure was not due to disagreements regarding company operations, and the board will reduce its size to address the forthcoming vacancies.