NASDAQ
TCBS
Last Price
US $17.60
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Texas Community Bancshares, Inc. cash flow to debt ratio of 2.99% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Texas Community Bancshares, Inc.'s free cash flow has increased 31.49% from $740.00K last year to $973.00K, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Texas Community Bancshares, Inc.'s debt to equity ratio is 0.77, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Texas Community Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.96 last year to 0.77 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Texas Community Bancshares, Inc. has a net debt to EBITDA ratio of 9.17x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Texas Community Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Texas Community Bancshares, Inc.'s profit margin has increased (-288.24%) in the last year from -6.26% to 11.79%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Texas Community Bancshares, Inc.'s short-term liabilities of $327.90M exceed its short-term assets of $52.58M, signaling financial risk
Decreasing performance - ROA.
Texas Community Bancshares, Inc.'s return on assets of 0.71% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Texas Community Bancshares, Inc.'s return on equity of 5.66%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Texas Community Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Texas Community Bancshares, Inc. had positive net income in 3.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Texas Community Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Decreasing performance - FCF yield.
Texas Community Bancshares, Inc. has a free cash flow yield of 1.89%, which is below the 2.00% threshold, indicating limited cash return relative to market value
Increasing performance - Healthy earnings growth.
Texas Community Bancshares, Inc.'s yearly earnings has increased -317.78% since last year from $-1.30M to $2.84M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Texas Community Bancshares, Inc.'s yearly revenue has increased 22.72% since last year from $20.84M to $25.57M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 3.08% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Texas Community Bancshares, Inc.'s 3-year revenue CAGR of 21.02% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Texas Community Bancshares, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Texas Community Bancshares, Inc. had positive ROE in 3.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Texas Community Bancshares, Inc. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Texas Community Bancshares, Inc. has an earnings yield of 5.91%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Texas Community Bancshares, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Texas Community Bancshares, Inc. has an EV/EBITDA ratio of 19.23x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Texas Community Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Texas Community Bancshares, Inc. has a price-to-book ratio of 0.95x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Texas Community Bancshares, Inc. has a price-to-sales ratio of 2.00x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
5.66%
Return on equity
ROIC: 3.08%
Valuation History
16.6X
Price to Earnings
EV/EBITDA: 19.2X
Cash flow
Profit margin
23.59%
(FY vs FY)
Cash flow Y/Y
-2.51%
(FY vs FY)
Fair Value
Market $17.60
-47.50%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.