TCBS

Texas Community Bancshares, Inc. [TCBS] Stock Forecast

Q: What is Texas Community Bancshares, Inc. stock symbol ?

Texas Community Bancshares, Inc. is a US stock, located in Mineola of Tx and trading under the symbol TCBS

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TCBS Stock Summary

EPS has been increasing for the past 3 quarters (Quarter statements)

TCBS's dividend payments are well covered by cash flows with cash payout ratio of 4.04%.

Has a high level of debt. Debt-to-Equity ratio of 5.75 is considered high.

EPS has been decreasing for the past 3 years (Yearly statements)

TCBS has less than 1 year of cash runway

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In the News

07:41 22 Mar 2023 TCBS

Texas Community Bancshares: Hidden Gem With Texas-Sized Upside

Despite a strong capital position and attractive credit metrics, TCBS trades at just 80% of tangible book value. It is rare for healthy, Texas-based banks to trade below book value.

05:02 22 Mar 2023 TCBS

Texas Community Bancshares, Inc. Completes Initial Public Offering

MINEOLA, Texas, July 14, 2021 /PRNewswire/ -- Texas Community Bancshares, Inc. (the "Company"), the holding company of Mineola Community Bank, S.S.B. ("Mineola Community Bank"), announced today that it has completed its initial public offering in connection with the conversion of Mineola Community Mutual Holding Company from the mutual holding company to the stock holding company form of organization.

TCBS Financial details

Company Rating

Strong Buy

Market Cap

45.33M

Income

1.63M

Revenue

8.95M

Book val./share

18.36

Cash/share

27.41

Dividend

0.02

Dividend %

0.14%

Employees

Optionable

Shortable

Yes

Earnings

13 Mar 2023

P/E

25.83

Forward P/E

PEG

1.05

P/S

4.71

P/B

0.76

P/C

0.51

P/FCF

-71.18

Quick Ratio

Current Ratio

Debt / Equity

5.75

LT Debt / Equity

EPS (TTM)

0.55

EPS next Y

EPS next Q

EPS this Y

-29.94%

EPS next Y

EPS next 5Y

EPS last 5Y

Revenue last 5Y

Revenue Q/Q

10.7%

EPS Q/Q

28.57%

SMA20

-10.98%

SMA50

-8.1%

SMA100

-9.59%

Inst Own

5.05%

Inst Trans

2.22%

ROA

ROE

ROC

Gross Margin

33%

Oper. Margin

Profit Margin

18%

Payout

Shs Outstand

3.3M

Shs Float

2.16M

Target Price

52W Range

12.15-19.61

52W High

-26.76%

52W Low

+15.96%

RSI

39.88

Rel Volume

0.63

Avg Volume

2.42K

Volume

1.53K

Perf Week

-6.04%

Perf Month

-12.15%

Perf Quarter

-11.09%

Perf Half Y

-13.3%

Beta

Volatility

0.7%, 0.89%

Prev Close

2.58%

Price

13.915

Change

5.9%

TCBS Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2021-12-31

Metric	2019-12-31	2020-12-31	2021-12-31
Revenue per share	1.89	2.07	0
Net income per share	0.22	0.16	0.11
Operating cash flow per share	0.44	0.4	0.37
Free cash flow per share	0.43	0.23	0.37
Cash per share	7.06	6.92	16.53
Book value per share	6.52	6.71	12.63
Tangible book value per share	6.35	6.57	12.52
Share holders equity per share	6.52	6.71	12.63
Interest debt per share	0.55	0.53	0.44
Market cap	47.61M	47.61M	73.8M
Enterprise value	24.72M	27.63M	51.88M
P/E ratio	45.04	63.57	142.46
Price to sales ratio	5.29	4.83	0
POCF ratio	22.7	24.91	42
PFCF ratio	23.52	43.09	42
P/B Ratio	1.53	1.49	1.23
PTB ratio	1.53	1.49	1.23
EV to sales	2.74	2.8	0
Enterprise value over EBITDA	5.68	7.12	16.37
EV to operating cash flow	11.79	14.46	29.53
EV to free cash flow	12.21	25	29.53
Earnings yield	0.02	0.02	0.01
Free cash flow yield	0.04	0.02	0.02
Debt to equity	7.62	8.38	5.07
Debt to assets	0.88	0.89	0.84
Net debt to EBITDA	-5.26	-5.15	-6.91
Current ratio	0	0	0
Interest coverage	0	0	0
Income quality	1.98	2.55	3.39
Dividend Yield	0	0	0
Payout ratio	0	0	0
Sales general and administrative to revenue	0.66	0.66	0
Research and developement to revenue	0	0	0
Intangibles to total assets	0	0	0
Capex to operating cash flow	-0.03	-0.42	0
Capex to revenue	-0.01	-0.08	0
Capex to depreciation	-0.17	-1.87	0
Stock based compensation to revenue	0	0	0
Graham number	5.71	4.87	5.56
ROIC	0	0	0
Return on tangible assets	0	0	0
Graham Net	-42.48	-49.15	-12.77
Working capital	210.77M	245.29M	298.98M
Tangible asset value	30.24M	31.27M	59.6M
Net current asset value	-25.73M	-22.41M	-5.71M
Invested capital	0	0	0
Average receivables	0	941.3K	110.63M
Average payables	0	0	0
Average inventory	0	0	0
Days sales outstanding	35.96	36.87	0
Days payables outstanding	0	0	0
Days of inventory on hand	0	0	0
Receivables turnover	10.15	9.9	0
Payables turnover	0	0	0
Inventory turnover	0	0	0
ROE	0.03	0.02	0.01
Capex per share	-0.02	-0.17	0

Quarterly Fundamentals Overview

Last date of statement is 2022-09-30 for Q3

Metric	2021-09-30	2021-12-31	2022-03-31	2022-06-30	2022-09-30
Revenue per share	0.85	0	0.92	0.97	1.07
Net income per share	-0.07	0.1	0.13	0.14	0.18
Operating cash flow per share	1.08	-1	0.22	0.31	0.31
Free cash flow per share	1.08	-0.96	0.16	0.3	0.27
Cash per share	20.07	26.24	24.96	27.38	27.41
Book value per share	20.19	20.05	19.29	18.65	18.36
Tangible book value per share	20	19.87	19.12	18.5	18.22
Share holders equity per share	20.19	20.05	19.29	18.65	18.36
Interest debt per share	0.17	0.16	0.15	0.15	0.15
Market cap	47.09M	46.49M	57.14M	49.67M	47.02M
Enterprise value	22.85M	24.58M	45.98M	35.99M	42.31M
P/E ratio	-59.46	40.67	36.53	29.85	21.81
Price to sales ratio	18.48	0	20.69	16.92	14.47
POCF ratio	14.49	-15.46	84.9	53.58	49.65
PFCF ratio	14.55	-16.21	120.04	54.22	57.97
P/B Ratio	0.78	0.77	0.98	0.88	0.85
PTB ratio	0.78	0.77	0.98	0.88	0.85
EV to sales	8.96	0	16.65	12.26	13.02
Enterprise value over EBITDA	58.36	26.32	43.95	33.38	34.68
EV to operating cash flow	7.03	-8.17	68.31	38.82	44.68
EV to free cash flow	7.06	-8.57	96.59	39.29	52.17
Earnings yield	0	0.01	0.01	0.01	0.01
Free cash flow yield	0.07	-0.06	0.01	0.02	0.02
Debt to equity	4.92	5.07	5.35	5.64	5.75
Debt to assets	0.83	0.84	0.84	0.85	0.85
Net debt to EBITDA	-61.92	-23.46	-10.67	-12.69	-3.86
Current ratio	0	0	0	0	0
Interest coverage	0	0	0	0	0
Income quality	-16.42	-10.52	1.72	2.23	1.76
Dividend Yield	0	0	0	0	0
Payout ratio	0	0	0	0	0
Sales general and administrative to revenue	0.67	0	0.61	0.6	0.49
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	0	0	-0.29	-0.01	-0.14
Capex to revenue	-0.01	0	-0.07	0	-0.04
Capex to depreciation	-0.13	0	-1.81	-0.1	-1.26
Stock based compensation to revenue	0	0	0.02	0.02	0.02
Graham number	5.48	6.56	7.51	7.61	8.57
ROIC	0	0	0	0	0
Return on tangible assets	0	0	0	0	0
Graham Net	-79.15	-20.26	-78.07	-77.64	-77.96
Working capital	280.01M	298.98M	0	313.88M	0
Tangible asset value	60M	59.6M	57.57M	55.78M	55.19M
Net current asset value	-18.29M	-5.71M	-310.91M	-3.62M	-320.07M
Invested capital	0	0	0	0	0
Average receivables	881.41K	110.58M	110.63M	1.02M	1.09M
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	31.57	0	32.52	32.17	31.27
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	2.85	0	2.77	2.8	2.88
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0	0	0.01	0.01	0.01
Capex per share	0	0	-0.07	0	-0.04

TCBS Dividend History

TCBS Frequently Asked Questions

What is Texas Community Bancshares, Inc. stock symbol ?

Texas Community Bancshares, Inc. is a US stock , located in Mineola of Tx and trading under the symbol TCBS

What is Texas Community Bancshares, Inc. stock quote today ?

Texas Community Bancshares, Inc. stock price is $13.915 today.

Is Texas Community Bancshares, Inc. stock public?

Yes, Texas Community Bancshares, Inc. is a publicly traded company.

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Company Profile

Volume Average 2.42K
Market Capitalization 45.33M
Employee 60
CEO Mr. James H. Herlocker III
Headquarters Mineola,TX,US
IPO Date 2021-07-15
Website https://www.mineolacb.com

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.