Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TCBS
HoldSinkerTexas Community Bancshares, Inc. · Financial Services · United States · $50M · Avg Vol: $20K/d
44
StockRankGet insider-trade alerts
Q
42
V
49
M
47
P/E (TTM)
14.5x
ROE
6.2%
D/E
0.8x
Dividend %
1.1%
COMPANY DESCRIPTION
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 12.1M | 11.4M | 10.9M | 16.4M | 10.5% | 16.5M |
| EPS | 0.58 | -0.24 | -0.45 | 1.04 | 21.5% | 1.21 |
| Shares | 3.3M | 3.0M | 2.9M | 2.9M | -12.4% | 2.9M |
| Debt | 62.5M | 76.9M | 49.9M | 45.7M | -9.9% | 46.5M |
| Equity | 55.9M | 53.7M | 52.1M | 53.8M | -1.3% | — |
| Op CF | 3.1M | 2.3M | 1.9M | 1.4M | -24.1% | 4.9M |
| Inv CF | -72.2M | -31.2M | 8.8M | 7.7M | — | — |
| Fin CF | 56.1M | 33.0M | -10.5M | -15.9M | — | — |
Loading 1Y...
PRICE (1Y)-0.5%
SMA 50SMA 200
Close
$17.41
RSI (14)
47.7
52W High
$19.80
From 52W High
0.9%
SCORE BREAKDOWN
Quality
42
ROIC (ROA)
0.7%*29.6
ROE
6.2%30.7
GP/Assets
3.8%N/A
Op. Margin
26.6%42.9
FCF/Assets
0.5%N/A
Piotroski
567.4
Int. Cover
—50.0
D/E Ratio
0.85xN/A
Current Ratio
bankN/A
Value
49
P/E (TTM)
14.5x41.6
EV/EBITDA
bankN/A
P/FCF
21.3xN/A
P/B
0.9x74.8
P/S
3.0x60.7
Div Yield
1.1%12.1
Momentum
47
52W High %
88%40.1
RS 6M
-7%39.5
SMA 50/200
1.03x49.4
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
43%69.9
FUNDAMENTALS
Market Cap
$50M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TCBS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TCBS | Texas Community Bancshares, Inc.(you) | $50M | 44 | Hold |
| KFFB | Kentucky First Federal Bancorp | $50M | 44 | Hold |
| NSTS | NSTS Bancorp, Inc. | $69M | 42 | Hold |
| FSEA | First Seacoast Bancorp, Inc. | $81M | 49 | Hold |
| FDSB | Fifth District Bancorp, Inc. | $96M | 46 | Hold |
| BSBK | Bogota Financial Corp. | $118M | 43 | Hold |
| CLST | Catalyst Bancorp, Inc. | $71M | 31 | Sell |
| BYFC | Broadway Financial Corporation | $114M | 52 | Hold |
| UBCP | United Bancorp, Inc. | $90M | 61 | Hold |
| CBFV | CB Financial Services, Inc. | $191M | 41 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%