TCBS
Texas Community Bancshares Inc
NASDAQ: TCBS · FINANCIAL SERVICES · BANKS - REGIONAL
$17.15
-2.00% today
Updated 2026-09-15
Market cap
$50.27M
P/E ratio
14.46
P/S ratio
3.04x
EPS (TTM)
$1.21
Dividend yield
1.14%
52W range
$16 – $20
Volume
0.0M
WallStSmart proprietary scores
61
out of 100
Grade: C+
Hold
Investment rating
8.7
Growth
A4.5
Quality
C6.5
Profitability
B6.0
Valuation
B6/9
Piotroski F-Score
Moderate
-0.5
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →252 stocks currently score above 75
Price targets
Analyst target
$22.19
+29.39%
12-Month target
$22.19
+29.39%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Profit margin 20.10% — above average
+ Revenue growth 13.50% QoQ
Risks
- Altman Z -0.49 — distress zone
- Negative free cash flow $-415000.00
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $14.43M | $19.33M | $20.84M | $25.57M | $16.52M |
| Net income | $1.75M | $-733000.00 | $-1.30M | $2.84M | $970000.00 |
| EPS | — | — | — | — | $1.21 |
| Free cash flow | $2.74M | $-3.31M | $740000.00 | $973000.00 | $-415000.00 |
| Profit margin | 12.16% | -3.79% | -6.26% | 11.11% | 20.10% |
Peer comparison
Smart narrative
Texas Community Bancshares Inc trades at $17.15. representing a P/E of 14.46x trailing earnings. Our Smart Value Score of 61/100 indicates the stock is good. The company scores 6/9 on the Piotroski F-Score. With an Altman Z-Score of -0.49, it sits in the distress. TTM revenue stands at $16.52M. with profit margins at 20.10%.
Frequently asked questions
What is Texas Community Bancshares Inc's stock price?
Texas Community Bancshares Inc (TCBS) trades at $17.15, on a P/E of 14.5x and a P/S of 3.0x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Texas Community Bancshares Inc overvalued?
Texas Community Bancshares Inc carries a Smart Value Score of 61/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Texas Community Bancshares Inc (TCBS)?
The 12-month analyst consensus target is $22.19, about 29.4% above the current $17.15. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Texas Community Bancshares Inc's revenue?
Texas Community Bancshares Inc's trailing twelve-month revenue is $16.52M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Texas Community Bancshares Inc's Altman Z-Score is -0.49, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.04x
ROE5.60%
Beta-0.03
50D MA$17.54
200D MA$17.04
Shares out0.00B
Float0.00B
Short ratio—
Avg volume0.0M
Performance
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