Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Texas Community Bancshares Inc (TCBS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: TCBS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -14.74% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 49.88M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 3566 | Beta -0.01 | 52 Weeks Range 13.40 - 17.46 | Updated Date 04/1/2025 |
52 Weeks Range 13.40 - 17.46 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.00% | Basic EPS (TTM) -0.73 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -21.85% | Operating Margin (TTM) 17.33% |
Management Effectiveness
Return on Assets (TTM) -0.49% | Return on Equity (TTM) -4.07% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 88984536 | Price to Sales(TTM) 5.06 |
Enterprise Value 88984536 | Price to Sales(TTM) 5.06 | ||
Enterprise Value to Revenue 10.94 | Enterprise Value to EBITDA - | Shares Outstanding 3115650 | Shares Floating 2284457 |
Shares Outstanding 3115650 | Shares Floating 2284457 | ||
Percent Insiders 38.66 | Percent Institutions 8.86 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Texas Community Bancshares Inc
Company Overview
History and Background
Texas Community Bancshares, Inc. is the holding company for First State Bank. Founded in 1905, First State Bank has a long history of serving the financial needs of communities in West Texas.
Core Business Areas
- Commercial Banking: Offers a range of commercial loan products, deposit accounts, and cash management services to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and investment services to individuals and families.
Leadership and Structure
The leadership team comprises experienced banking professionals. The organizational structure follows a typical community bank model with a board of directors, executive management, and various departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment purchases, and real estate financing. Limited market share data is available for specific banks. Competitors include other community banks, regional banks, and national banks.
- Mortgages: Residential mortgage loans for home purchase and refinancing. Limited market share data is available for specific banks. Competitors include mortgage brokers, credit unions, and other banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Limited market share data is available for specific banks. Competitors include credit unions and other banks.
Market Dynamics
Industry Overview
The community banking industry is characterized by increased regulatory burden, competition from larger institutions, and technological disruption. Interest rate movements and economic growth significantly affect profitability.
Positioning
Texas Community Bancshares Inc. positions itself as a relationship-focused community bank with strong local ties. Its competitive advantage lies in personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM consists of the total banking market in West Texas. Texas Community Bancshares Inc. is positioned to capture a portion of this TAM through its local presence and community-focused strategy. TAM value is unavailable.
Upturn SWOT Analysis
Strengths
- Strong local reputation
- Relationship-focused approach
- Experienced management team
- Established customer base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Less sophisticated technology compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for personalized service
- Acquisition of smaller banks
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- Larger regional banks operating in Texas
- Other community banks in West Texas
- National banks with branches in West Texas
Competitive Landscape
Texas Community Bancshares Inc. faces competition from larger regional and national banks, as well as other community banks. Its advantages include local market knowledge and personalized service, while its disadvantages include smaller scale and limited geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to private financial statements. This would involve analyzing revenue, asset growth, and market share over the past years.
Future Projections: Future projections are unavailable without access to private financial statements or analyst estimates.
Recent Initiatives: Recent initiatives are not publicly available.
Summary
Texas Community Bancshares Inc., operating as First State Bank, benefits from a strong local presence and relationship-focused banking. It faces challenges from larger competitors and regulatory pressures. Future success depends on adapting to technological changes and expanding its market reach while maintaining its community-oriented approach. Growth projections are unavailable due to limited public data. The absence of market share data also obscures the impact it is making in its local areas.
Similar Companies
- CASH
- WTFC
Sources and Disclaimers
Data Sources:
- Company Website
- FDIC Data
- Industry Reports
- AI Analysis
Disclaimers:
This analysis is based on limited publicly available information. Financial data is estimated. The AI-based rating is for informational purposes only and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Texas Community Bancshares Inc
Exchange NASDAQ | Headquaters Mineola, TX, United States | ||
IPO Launch date 2021-07-16 | President, CEO & Director Mr. Jason Sobel | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 62 | Website https://www.broadstreet.bank |
Full time employees 62 | Website https://www.broadstreet.bank | ||
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including savings accounts, checking accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, commercial, consumer, and other loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.