Texas Community Bancshares, Inc. (TCBS) Stock Score, Valuation & Financial Research
Texas Community Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 48/100.
Quick answer for TCBS
Texas Community Bancshares, Inc. currently has a Wall Street Score of 48/100. The stored market price is $17.5. Its financial score is 38/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Texas Community Bancshares, Inc. does
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 savings, certificates of deposit, and individual retirement accounts. Its lending portfolio predominantly includes mortgages for one-to-four family residences, as well as commercial real estate, construction, and land development loans. Further credit options are available for agricultural endeavors, general commercial needs, and a range of consumer purposes, including vehicle, boat, and unsecured personal loans. Beyond core banking activities, the company also engages in securit
TCBS financial snapshot
- Wall Street Score:
- 48/100
- Current price:
- $17.5
- Market capitalization:
- $50.5M
- Revenue:
- $25.7M
- Net income:
- $3.0M
- Free cash flow:
- $973K
- Cash:
- $13.3M
- Total debt:
- $41.6M
- EPS:
- 1.04
- P/E ratio:
- 16.8x
- Financial score:
- 38/100
- Valuation score:
- 93/100
- Revenue score:
- 28/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $973K, showing positive cash generation.
- The balance sheet shows $13.3M of cash versus $41.6M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 38/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research TCBS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.