Texas Community Bancshares Inc
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Texas Community Bancshares Inc AI Insights
Informational only. Not investment advice.Snapshot
- Trading at 0.89x book value (P/B TTM) despite 4.7% ROE - market pricing in no growth premium for this community bank[Price to Book Ratio]
- Revenue TTM up 17.5% YoY vs industry median 6.8% - outpacing peers 2.6x while maintaining 15.9% net margin[Total Revenue 1Y Growth]
- Debt/Equity of 0.91 with 48.8M total debt on 53.5M equity - leveraged but manageable for bank model[Debt to Equity]
Watch Triggers
- EPS Growth 3Y: Turns positive or stabilizes above 0% — Reversal of -23% 3Y EPS decline would signal margin compression ending
- Net Margin TTM: Falls below 12% — Interest expense (9.4M) is 59% of revenue - rate sensitivity is high
- Price to Book Ratio: Rises above 1.0x — Would indicate market recognizing growth premium, validating thesis
Bull Case
Revenue growth 17.5% TTM and 12% 5Y CAGR significantly outpaces industry median 5.7% - gaining market share in Texas community banking
P/B of 0.89x offers margin of safety - buying $1 of book for $0.89 with profitable operations (15.9% net margin)
Bear Case
EPS declined 23% over 3Y despite revenue growth - margin compression or rising costs eroding profitability gains
Micro-cap (48M market cap) with 2.9M shares - illiquid, vulnerable to rate cycles, limited analyst coverage
Bull vs Bear Balance
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Forward Thesis
Continued above-peer revenue growth should narrow P/B discount to book value over 1-3 years
- 5Y revenue CAGR 12% vs industry 5.7%
- Net margin 15.9% sustainable
- Minimal goodwill (33K) - clean balance sheet
Valuation Context
Caveats
Public Strategies Rankings
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TCBS Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
Beta 5Y (Monthly) | unknown | — |
TCBS Dividend History
TCBS Stock Splits
TCBS SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/07/25 | 09/30/25 | 10-Q | |
08/07/25 | 06/30/25 | 10-Q | |
05/13/25 | 03/31/25 | 10-Q | |
03/27/25 | 12/31/24 | Unknown | |
11/13/24 | 09/30/24 | 10-Q | |
08/13/24 | 06/30/24 | 10-Q | |
05/14/24 | 03/31/24 | 10-Q | |
03/27/24 | 12/31/23 | 10-K | |
11/08/23 | 09/30/23 | 10-Q | |
08/10/23 | 06/30/23 | 10-Q | |
05/15/23 | 03/31/23 | 10-Q | |
03/30/23 | 12/31/22 | 10-K | |
11/14/22 | 09/30/22 | 10-Q | |
08/10/22 | 06/30/22 | 10-Q | |
05/13/22 | 03/31/22 | 10-Q | |
03/23/22 | 12/31/21 | 10-K | |
11/12/21 | 09/30/21 | 10-Q | |
08/13/21 | 06/30/21 | 10-Q | |
06/28/21 | 03/31/21 | 10-Q | |
05/24/21 | 12/31/20 | 424B3 | |
11/12/21 | 09/30/20 | 10-Q | |
08/13/21 | 06/30/20 | 10-Q | |
06/28/21 | 03/31/20 | 10-Q |