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Texas Community Bancshares, Inc (TCBS) Fair Value & Analysis

Financial Services · US · Market cap $53.3M

Price$17.97
Fair Value$12.80
Upside-28.8%
Quality95/100
Evidence: High Range $9.60 – $16.01

Fair value as of: Jun 26, 2026

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Analysis

Texas Community Bancshares, Inc (TCBS) currently trades at $17.97, while our model-based Fair Value estimate is $12.80 — implying the stock looks roughly 28.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. 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.

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Frequently asked questions

Is Texas Community Bancshares, Inc (TCBS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $12.80 versus a price of $17.97 — about −29% (overvalued). Model-based estimate, not financial advice.
What is the fair value of TCBS?
Our 21-model fair value for Texas Community Bancshares, Inc is $12.80 (as of Jun 26, 2026), built from audited fundamentals. The current price is $17.97.
What is the quality score of TCBS?
Texas Community Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.