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Texas Community
(NASDAQ:TCBS)
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Rating:65Neutral
Price Target:
$18.50
▲(4.76% Upside)
Action:Reiterated
Date:08/19/26
The score is primarily driven by improving financial performance, including a meaningful TTM profitability and cash-flow rebound, though tempered by historical volatility and only moderate ROE. Technical signals are neutral-to-soft and slightly weigh on the outlook, while valuation appears reasonable with a modest dividend. Corporate events add a small stability benefit but are not a major catalyst.
Positive Factors
Profitability Rebound
The return to solid operating and net profitability improves internal capital generation and resilience. If sustained, stronger margins can support reinvestment, absorb credit costs, and provide a more durable earnings base.
Negative Factors
Historical Earnings Volatility
Recent profitability is encouraging, but the prior losses and fluctuating margins show that earnings may not yet be structurally stable. This history raises the risk that future performance could weaken if operating or credit conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Rebound
The return to solid operating and net profitability improves internal capital generation and resilience. If sustained, stronger margins can support reinvestment, absorb credit costs, and provide a more durable earnings base.
Read all positive factors
Texas Community (TCBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$50.39M
Dividend Yield1.31%
Average Volume (3M)1.03K
Price to Earnings (P/E)14.6
Beta (1Y)0.06
Revenue Growth5.94%
EPS Growth51.02%
CountryUS
Employees61
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.20
Shares Outstanding2,872,727
10 Day Avg. Volume1,204
30 Day Avg. Volume1,027
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.91
Price to Sales (P/S)1.92
P/FCF Ratio50.37
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Texas Community Business Overview & Revenue Model
Company Description
Texas Community Bancshares, Inc. operates as the parent company for Mineola Community Bank, S.S.B., delivering a comprehensive suite of financial products and services. These offerings serve both individual consumers and businesses throughout Mine...
Texas Community Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
64
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 26.24M | 25.57M | 20.84M | 19.33M | 14.43M | 12.25M |
| Gross Profit | 16.52M | 15.56M | 10.78M | 11.06M | 11.94M | 10.09M |
| EBITDA | 4.32M | 3.96M | -1.21M | -515.00K | 2.61M | 1.05M |
| Net Income | 3.33M | 2.84M | -1.30M | -733.00K | 1.75M | 518.00K |
Balance Sheet | ||||||
| Total Assets | 444.35M | 429.84M | 443.46M | 452.04M | 417.35M | 364.83M |
| Cash, Cash Equivalents and Short-Term Investments | 62.63M | 50.92M | 88.92M | 111.04M | 116.11M | 77.41M |
| Total Debt | 46.46M | 45.67M | 49.88M | 76.90M | 62.49M | 27.57M |
| Total Liabilities | 389.14M | 376.08M | 391.35M | 398.36M | 361.48M | 304.69M |
| Stockholders Equity | 55.21M | 53.76M | 52.11M | 53.69M | 55.87M | 60.13M |
Cash Flow | ||||||
| Free Cash Flow | 4.69M | 973.00K | 740.00K | -3.31M | 2.74M | 1.62M |
| Operating Cash Flow | 4.87M | 1.37M | 1.94M | 2.29M | 3.13M | 1.76M |
| Investing Cash Flow | -3.87M | 7.68M | 8.80M | -31.15M | -72.18M | -52.80M |
| Financing Cash Flow | -5.07M | -15.89M | -10.51M | 33.00M | 56.07M | 64.88M |
Texas Community Technical Analysis
Positive
17.66
Price Trends
17.57
Negative
17.24
Positive
16.97
Positive
Market Momentum
<0.01
Negative
51.98
Neutral
41.08
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBS, the sentiment is Positive. The current price of 17.66 is above the 20-day moving average (MA) of 17.42, above the 50-day MA of 17.57, and above the 200-day MA of 16.97, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 51.98 is Neutral, neither overbought nor oversold. The STOCH value of 41.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TCBS.
Texas Community Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $112.09M | 5.18 | 16.39% | ― | 24.01% | 20.16% | |
68 Neutral | $70.63M | 30.72 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.39M | 14.58 | 6.14% | 1.30% | 5.94% | 51.02% | |
55 Neutral | $193.86M | -0.48 | -63.67% | 1.33% | -35.76% | -909.39% |
* Financial Sector Average
TCBS
Texas Community
17.50
1.60
10.04%
OPHC
Optimumbank Holdings
8.97
4.74
112.06%
FSEA
First Seacoast Bancorp
17.18
5.50
47.05%
BAFN
BayFirst Financial Corp
7.20
-1.70
-19.10%
CLST
Catalyst Bancorp
17.68
4.53
34.45%
Texas Community Corporate Events
Executive/Board ChangesShareholder Meetings
Texas Community Stockholders Reaffirm Board and Auditor Selection
Positive
May 21, 2026
At its May 19, 2026, Annual Meeting of Stockholders, Texas Community Bancshares, Inc. reported the election of three directors—Jason Sobel, Anthony R. Scavuzzo and Bryan Summerville—to three-year terms, following stockholder votes that...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.