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TCBS

Texas Community Bancshares, Inc.

Financial Services · $50M market cap

Verdict

Share price

$17.13

close of Oct 3, 2026

Fair value

$5.91

Sticker Price

Payback Price

$2.37

buy price

Overpriced

TCBS is Overpriced: at $17.13 it trades 190% above its fair value of $5.91. Its buy price (Payback Price) is $2.37, 86% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth15.8% a year✓
Equity per share growth2.1% a year✗
Sales growth15.0% a year✓
Free cash flow growth-10.5% a year✗
Return on invested capital0.3%✗

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About Texas Community Bancshares, Inc.

Texas Community Bancshares, Inc. operates as the parent company for Mineola Community Bank, S.S.B., delivering a comprehensive suite of financial products and services. These offerings serve both individual consumers and businesses throughout Mineola, Texas, its surrounding communities, and the broader Dallas-Fort Worth metropolitan area. The bank offers various deposit accounts, such as traditional checking and…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works