US · TCBS
Texas Community Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Mineola, TX 75773
- Website
- mineolacb.com
Price · as of 2024-12-31
$16.59
Market cap 48.68M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $74.78 | +350.75% |
| Intrinsic Value(DCF) | $15.99 | -3.62% |
| Graham-Dodd Method(GD) | $13.04 | -21.39% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $7.50 | $2.18 | |||
| 2021 | $17.09 | $75.45 | $18.29 | $20.89 | $1.27 |
| 2022 | $14.34 | $59.89 | $17.65 | $21.35 | $14.57 |
| 2023 | $13.18 | $136.24 | $16.53 | $14.53 | $0.00 |
| 2024 | $16.00 | $74.78 | $16.33 | $13.04 | $0.00 |
AI valuation
Our deep-learning model estimates Texas Community Bancshares, Inc.'s (TCBS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $74.78
- Current price
- $16.59
- AI upside
- +350.75%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$15.99
-3.62% upside
Graham-Dodd
$13.04
-21.39% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TCBS | Texas Community Bancshare… | $16.59 | 48.68M | +351% | -4% | -21% | — | -35.74 | 0.90 | 2.24 | -6.29 | -42.89 | 0.90 | 51.72% | -8.55% | -6.26% | -2.47% | -8.00% | -0.29% | 0.96 | -0.18 | 0.27 | 0.27 | -29.89 | 8333.00% | 779.00% | -12234.00% | 1.59% | 0.01 | 4.54% | 1.08% | -38.60% | 53.86% | -4.27 | 10.27 | 0.36 | -0.46 |
| ASRV | AmeriServ Financial, Inc. | $3.80 | 62.78M | +2,076% | +37% | +107% | +12% | 11.24 | 0.55 | 0.71 | 13.35 | 18.16 | 0.62 | 62.41% | 7.69% | 6.35% | 5.04% | 6.29% | 0.39% | 0.70 | 0.23 | 0.04 | 0.04 | 9.73 | 6190.00% | 457.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 28.20% | 13.35 | — | 1.03 | -0.88 |
| BAFN | BayFirst Financial Corp. | $6.62 | 27.21M | +3,838% | -60% | — | +566% | -1.18 | 0.31 | 0.26 | -0.87 | — | 0.36 | 38.00% | -29.59% | -22.01% | -23.11% | -34.87% | -1.77% | 0.39 | -0.77 | 0.13 | 0.13 | -0.94 | -34523.00% | -1681.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.87 | — | 0.26 | -0.23 |
| CLST | Catalyst Bancorp, Inc. | $16.50 | 67.88M | +2,412% | +212% | +50% | +104% | 29.85 | 0.75 | 3.99 | 30.34 | — | 0.75 | 72.84% | 16.32% | 13.38% | 2.53% | 2.89% | 0.73% | 0.18 | 0.61 | 0.36 | 0.00 | 5.88 | -17179.00% | 5533.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.34 | — | 4.95 | 0.32 |
| HFBL | Home Federal Bancorp, Inc… | $19.02 | 58.46M | +52% | +68% | -19% | -64% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| NXN | Nuveen New York Select Ta… | $12.14 | 47.65M | — | -39% | +21% | — | 28.14 | 0.90 | 20.18 | — | — | 0.90 | 100.00% | 89.90% | 71.73% | — | — | — | 0.00 | 584.57 | 14.78 | 14.78 | — | — | — | — | 0.00% | 0.00 | — | 0.00% | 0.00% | 0.00% | 22.11 | — | 19.88 | 121.05 |
| PBBK | PB Bankshares, Inc. | $19.81 | 47.04M | +1,370% | +14% | +25% | -3% | 21.55 | 0.78 | 1.58 | -1.37 | — | 0.78 | 48.81% | 9.31% | 7.34% | 3.71% | 15.66% | 0.40% | 0.90 | 0.18 | 0.25 | 0.25 | 2.69 | -130.00% | 1775.00% | -5563.00% | 3.77% | 0.01 | 12.71% | 0.00% | 0.00% | 82.72% | -1.58 | -2.47 | -0.15 | -0.50 |
| TECTP | Tectonic Financial, Inc. | $9.99 | 40.48M | +309% | +199% | +29% | +241% | 4.75 | 0.58 | 0.92 | — | — | 0.72 | 100.00% | 41.90% | 19.29% | 12.65% | 20.82% | 1.81% | 0.19 | — | — | — | — | -1016.00% | 966.00% | 15876.00% | -131.33% | — | -78.53% | 7.08% | 33.60% | 11.55% | 2.05 | -0.71 | 0.86 | 0.40 |
About Texas Community Bancshares, Inc.
Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.
- CEO
- Jason Sobel
- Employees
- 60
- Beta
- 0.04
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($15.99 ÷ $16.59) − 1 = -3.62% (DCF, example).