Texas Community Bancshares Inc (TCBS) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Texas Community Bancshares Inc stock $13.25, price $17.10, that is 22.5% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Texas Community Bancshares Inc
TCBS · USOur calculation puts a fair price 23% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range $9.40 – $18.42 · fair‑value band $9.94 – $15.01 · the $17.10 price screens above the $13.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Company profile
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.
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The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts.
It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans.
The company was founded in 1934 and is headquartered in Mineola, Texas.
Stock analysis
Texas Community Bancshares Inc (TCBS) currently trades at $17.10, while our model-based Fair Value estimate is $13.25, 23% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $14.17 per share, and 0 of the 6 models we run sit above the $17.10 price.
Bear case: the Dividend Discount group reads lowest at $3.26, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $9.94 (bear) to $15.01 (bull), the price of $17.10 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Texas Community Bancshares Inc reported revenue of $25.6M in FY2025 versus $12.3M in FY2021, a compound +20.2%/yr. Reported net income was $2.8M in FY2025, compounding +53.0%/yr from FY2021.
Key figures
Market cap $46.9M Micro · P/E ratio 14.1 · P/S ratio 2.84 · EPS (TTM) $1.21 · Dividend yield 1.2% · Net margin 20.1% · Return on equity 6.2% · Return on assets (EBIT) 0.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 10% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −23%, TCBS screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $345,000, on Jun 10, 2026. Over the same period, 2 people sold shares worth $66,671.
- SaleHaskell StrangeSVP and COO1,765 shares at $17.25$30,446Jun 10, 2026
- SaleJason SobelPresident and CEO, Director2,100 shares at $17.25$36,225Jun 10, 2026
- BuyAnthony ScavuzzoDirector20,000 shares at $17.25$345,000Jun 10, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
TCBS screens overvalued: fair value 23% below the price. Compare with China Merchants Bank Co →
Earlier news
- The Zacks Analyst Blog Highlights Tesla, Bank of America, Coca-Cola and Texas Community Bancshares
- Texas Community Bancshares Q2 Earnings Rise Y/Y on Strong Margins
- Texas Community Bancshares raises dividend by 20% to $0.06
- Texas Community Bancshares declares $0.05 dividend
Compare Texas Community Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.62 | ¥7.59 | +35% | vs TCBS |
| China Merchants Bank Co 600036 | ¥43.01 | ¥52.73 | +23% | vs TCBS |
| BNP Paribas SA BNP | €93.98 | €106.01 | +13% | vs TCBS |
| State Bank of India SBIN | ₹1,042 | ₹736.65 | −29% | vs TCBS |
| Intesa Sanpaolo S.p.A ISP | €6.35 | €4.49 | −29% | vs TCBS |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs TCBS |
| UniCredit S.p.A UCG | €81.62 | €50.44 | −38% | vs TCBS |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs TCBS |
| HDFC Bank Limited HDFCBANK | ₹798.15 | ₹406.39 | −49% | vs TCBS |
| ICICI Bank Limited ICICIBANK | ₹1,589 | ₹615.63 | −61% | vs TCBS |
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Frequently asked questions
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Key figures of Texas Community Bancshares Inc
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