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Company Analysis

Texas Community Bancshares, Inc TCBS

A comprehensive view of key metrics, scores, and financial health for Texas Community Bancshares, Inc

Overview of Texas Community Bancshares, Inc.

TCBS NCM
Financial Services Banks - Regional Micro Cap
Texas Community Bancshares, Inc. (TCBS), is a Micro Cap company, in the Banks - Regional industry, last closed at $16.65, about 16.2% undervalued vs fair value, +2.2% 1Y return, ranked 443/1004 in sector.
$16.65
0.00%
As of March 13, 2026
Previous close • Vol 90d: 28.6%
52-Week Range
Market Cap
$45.04M
Enterprise Value
$87.46M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.broadstreet.bank
HQ Mineola, TX
Employees 60
Fiscal year Dec 31

Next Events

Dividend Mar 24

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $16.65 +16% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$22.2M
18.1%%
Interest Expense
$9.9M
Net Interest Income
$12.3M
13.1%%
Total Revenue
$10.9M
-4.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-2.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
2
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Texas Community Bancshares, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
24
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
23
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing TCBS's balance between Growth (45.2%), Profitability (25.7%), and Safety (29.2%). Growth 45% Safety 29% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

10th percentile vs peers
11
Key Signals
Asset Growth YoY -1.9% 13p Revenue CAGR 3Y 2.6% 11p Rev Growth YoY -4.2% 8p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 10)
  • Asset Growth Yoy in bottom 20% of peers (-1.9%)

Profitability

6th percentile vs peers
6
Key Signals
Strengths
Risks
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Safety

6th percentile vs peers
7
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Texas Community Bancshares, Inc.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.34
- - -
+16.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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