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

Company Overview

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, e-statement, cards, online banking, and mobile banking services. Texas Community Bancshares, Inc. was founded in 1934 and is headquartered in Mineola, Texas.

Key Stats

• Today's Range: $16.05 to $16.12
• 50-Day Range: $15.07 to $16.25
• 52-Week Range: $13.52 to $17.50
• Volume: 5,157 shs
• Average Volume: 3,724 shs
• Market Capitalization: $49.00 million
• P/E Ratio: 24.06
• Dividend Yield: 0.99%
• Price Target: N/A
• Consensus Rating: N/A

Texas Community Bancshares Stock Analysis - MarketRank™

Texas Community Bancshares scored higher than 39% of companies evaluated by MarketBeat, and ranked 735th out of 939 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Texas Community Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Texas Community Bancshares is 24.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Texas Community Bancshares is 24.10, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.94.

Price to Book Value per Share Ratio

Texas Community Bancshares has a P/B Ratio of 0.97. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.14% 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 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Texas Community Bancshares has recently increased by 19.23%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Texas Community Bancshares has a dividend yield of 0.99%, which is in 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 23.88%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.14% 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 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Texas Community Bancshares has recently increased by 19.23%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Texas Community Bancshares has a news sentiment score of 1.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.85 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Texas Community Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Texas Community Bancshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $74,324.00 in company stock.

Percentage Held by Insiders

19.50% 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

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

TCBS Stock Analysis - Frequently Asked Questions

How have TCBS shares performed this year?

Texas Community Bancshares' stock was trading at $15.25 at the start of the year. Since then, TCBS stock has increased by 5.9% and is now trading at $16.1450.
View the best growth stocks for 2025 here.

How were Texas Community Bancshares' earnings last quarter?

Texas Community Bancshares, Inc. (NASDAQ:TCBS) issued its quarterly earnings results on Thursday, May, 1st. The company reported $0.22 EPS for the quarter. The firm earned $3.79 million during the quarter. Texas Community Bancshares had a net margin of 8.16% and a trailing twelve-month return on equity of 3.87%.

When did Texas Community Bancshares IPO?

Texas Community Bancshares (TCBS) raised $32 million in an IPO on Thursday, July 15th 2021. The company issued 3,207,759 shares at $10.00 per share.

How do I buy shares of Texas Community Bancshares?

Shares of TCBS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Texas Community Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Texas Community Bancshares investors own include Dutch Bros (BROS), Nutriband (NTRB), TScan Therapeutics (TCRX), Annexon (ANNX), Aemetis (AMTX), Akari Therapeutics (AKTX) and a.k.a. Brands (AKA).

Company Calendar

• Last Earnings: 5/01/2025
• Record date for 6/20 Dividend: 6/05/2025
• Ex-Dividend for 6/20 Dividend: 6/05/2025
• Dividend Payable: 6/20/2025
• Today: 7/01/2025
• Next Earnings (Estimated): 8/12/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• 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 (Most Recent Fiscal Year): $0.67
• Trailing P/E Ratio: 24.10
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$1.30 million
• Net Margins: 8.16%
• Pretax Margin: 9.52%
• Return on Equity: 3.87%
• Return on Assets: 0.45%

Debt

• Debt-to-Equity Ratio: 0.94
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $20.55 million
• Price / Sales: 2.39
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $16.73 per share
• Price / Book: 0.97

Miscellaneous

• Outstanding Shares: 3,040,000
• Free Float: 2,450,000
• Market Cap: $49.08 million
• Optionable: Not Optionable
• Beta: 0.05