Texas Community Bancshares (TCBS) Stock Price, News & Analysis

Company Overview

Texas Community Bancshares, Inc. (NASDAQ: TCBS) is the bank holding company for Texas Community Bank, a state-chartered commercial bank headquartered in Harlingen, Texas. Through its wholly owned banking subsidiary, the company delivers community banking services across the Rio Grande Valley region of South Texas, focusing on relationship-driven banking and locally empowered decision making.

The company’s core offerings include a broad range of deposit products—such as checking, savings and money market accounts—and consumer and commercial lending solutions. It provides residential mortgage origination, commercial real estate finance, construction loans and agricultural financing, as well as treasury management services. Digital banking capabilities, including online and mobile platforms, complement its traditional branch network, while trust and asset management services are offered through an affiliated trust services division.

Since its establishment in the early 2000s, Texas Community Bancshares has pursued measured growth by deepening its presence in Cameron, Hidalgo and Willacy counties via a network of branch offices and ATMs. This local footprint enables the company to maintain close ties with small businesses and individual customers, responding swiftly to regional economic needs.

The bank’s executive leadership is headed by Anthony J. Zaunbrecher, who serves as President and Chief Executive Officer. Under his stewardship, the company has emphasized conservative risk management, community engagement and strategic investments in technology, with the aim of fostering economic development throughout South Texas while delivering long‐term value to shareholders.

Key Stats

• Today's Range: $17.50 to $17.64
• 50-Day Range: $17.18 to $18.00
• 52-Week Range: $15.72 to $20.00
• Volume: 1,468 shs
• Average Volume: 2,412 shs
• Market Capitalization: $50.23 million
• P/E Ratio: 14.47
• Dividend Yield: 1.37%
• Price Target: N/A
• Consensus Rating: Hold

Texas Community Bancshares Stock Analysis - MarketRank™

Texas Community Bancshares scored higher than 28% of companies evaluated by MarketBeat, and ranked 732nd out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Texas Community Bancshares has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Texas Community Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Texas Community Bancshares is 14.59, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.64.

Price to Earnings Ratio vs. Sector

The P/E ratio of Texas Community Bancshares is 14.59, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.56.

Price to Book Value per Share Ratio

Texas Community Bancshares has a P/B Ratio of 0.92. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.15% of the float of Texas Community Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Texas Community Bancshares has a short interest ratio ("days to cover") of 5.81.

Change versus previous month

Short interest in Texas Community Bancshares has recently increased by 2.29%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Texas Community Bancshares pays a meaningful dividend of 1.39%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Texas Community Bancshares has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Texas Community Bancshares is 19.83%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Texas Community Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

15.30% of the stock of Texas Community Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

15.83% of the stock of Texas Community Bancshares is held by institutions.

Company Calendar

• Record date for 6/16 Dividend: 6/02/2026
• Ex-Dividend for 6/16 Dividend: 6/02/2026
• Dividend Payable: 6/16/2026
• Last Earnings: 8/11/2026
• Today: 8/21/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:TCBS
• CIK: 1849466
• Web: www.mineolacb.com
• Phone: 903-569-2602
• Fax: N/A
• Employees: 60
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.21
• Trailing P/E Ratio: 14.59
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $2.84 million
• Net Margins: 12.68%
• Pretax Margin: 14.84%
• Return on Equity: 6.14%
• Return on Assets: 0.76%

Debt

• Debt-to-Equity Ratio: 0.84
• Current Ratio: 0.96
• Quick Ratio: 0.96

Sales & Book Value

• Annual Sales: $25.57 million
• Price / Sales: 1.98
• Cash Flow: $1.15 per share
• Price / Cash Flow: 15.35
• Book Value: $19.22 per share
• Price / Book: 0.92

Miscellaneous

• Outstanding Shares: 2,870,000
• Free Float: 2,433,000
• Market Cap: $50.63 million
• Optionable: Not Optionable
• Beta: -0.03