Skip to content
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 Framework: Banks & Lenders Micro Cap
Texas Community Bancshares, Inc. (TCBS), is a Micro Cap company, in the Banks - Regional industry, last closed at $17.30, about 11.8% undervalued vs fair value, +8.5% 1Y return, ranked 423/1037 in sector.
USD 17.30
0.64%
(Delayed)
• Vol 90d: 29.9%
52-Week Range
Market Cap
$46.42M
Enterprise Value
$88.85M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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 Jun 16

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $17.30 +12% 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
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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
Upgrade to view details
Premium
Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
26
/100
Developing
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Developing
26
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing TCBS's balance between Growth (26.5%), Profitability (32.1%), and Safety (41.4%). Growth 26% Safety 41% Profitability 32%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

33th percentile vs peers
33
Key Signals
NII Growth YoY 13.1% 83p Asset Growth YoY -1.9% 12p Equity Growth YoY -2.9% 8p EPS Growth YoY -82.6% 8p
Strengths
  • NII Growth YoY in top 20% of peers (13.1%, 83th percentile)
  • Efficiency Ratio in top 20% of peers (1.05, 94th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (-1.9%)
  • Equity Growth YoY in bottom 20% of peers (-2.9%)
  • EPS Growth YoY in bottom 20% of peers (-82.6%)

Profitability

40th percentile vs peers
40
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

52th percentile vs peers
52
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$19.34
- - -
+11.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000