Texas Community AI Stock Analysis
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Texas Community (TCBS) AI Stock Analysis
Texas Community
(NASDAQ:TCBS)
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.
Texas Community (TCBS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $49.70M
- Dividend Yield
- 1.44%
- Average Volume (3M)
- 2,742
- Price to Earnings (P/E)
- 15.0
- Beta (1Y)
- 0.06
- Revenue Growth
- 2.23%
- EPS Growth
- 33.79%
- Country
- US
- Employees
- 61
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 Mineola...
Texas Community Financial Statement Overview
Summary
Results show a strong TTM rebound with improved margins, sharply accelerating revenue growth, and much stronger operating/free cash flow generation. Offsetting this, the prior multi-year losses and variability in earnings/cash flow plus only modest ROE (~6.1%) keep the score from being higher.
Income Statement
73PositiveBalance Sheet
64PositiveCash Flow
70Positive| 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 | 4.44M | 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
Price Trends
Market Momentum
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 17.39 is above the 20-day moving average (MA) of 17.19, above the 50-day MA of 17.18, and above the 200-day MA of 17.10, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 56.48 is Neutral, neither overbought nor oversold. The STOCH value of 40.05 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
Overall Rating
OPHC83Outperform
CLST68Neutral- TCBS65Neutral
BAFN52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $112.72M | 5.24 | 16.39% | ― | 24.01% | 20.16% |
| CLST | 68Neutral | $70.08M | 24.01 | 3.06% | ― | 31.73% | 17.80% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.55M | 15.04 | 5.83% | 1.44% | 2.23% | 33.79% |
| BAFN | 52Neutral | $189.38M | -0.59 | -42.56% | ― | -40.59% | -260.04% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| TCBS | Texas Community Bancshares, Inc. | 17.39 | 1.67 | 10.65% | |
| OPHC | Optimumbank | 9.07 | 4.97 | 121.22% | |
| BAFN | BayFirst Financial Corp | 6.06 | -2.24 | -26.99% | |
| CLST | Catalyst Bancorp, Inc. | 17.29 | 2.53 | 17.14% |
Texas Community Corporate Events
Texas Community Stockholders Reaffirm Board and Auditor Selection
PositiveAt 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 confirmed the...
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.
Date of analysis: Aug 19, 2026