Texas Community Bancshares Inc. (TCBS) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, Texas Community Bancshares Inc. (NASDAQ: TCBS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $17.28 (+1.05% 1D, market cap $49.6M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, TCBS ranks #527 in composite RQD confidence.
Within the Financials sector (Banks), TCBS carries a Roarable D+ (57/100 RQD), trailing P/E of 17.5x, gross margin of —, and ROIC of 5.3%. By comparison, MBBC (Marathon Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $43.7M) and FNWB (First Northwest Bancorp) posts a D- grade (35/100 RQD, P/E N/A, ROIC -2.7%, cap $98.1M). Among the 5-stock peer group, TCBS leads on earnings multiple (17.5x) while TCBS leads on capital efficiency (5.3% ROIC).
Per TCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001849466), Texas Community Bancshares Inc. generated $0 in revenue, $2.8M in net income, and $973.0K in free cash flow against $429.8M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 36% of 52W Range • RSI-14 at 57 (BULLISH MOMENTUM)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Capital intensity & 0% operating margin leave 15 pts on the table
Even with a 57/100 (D+) score, TCBS faces multiple-compression risk if 17.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Disciplined Float (-0.04% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.20) or 200D SMA ($17.15) invalidates the momentum regime and cuts Target Base ($17.20) toward Bear Floor ($13.42).
Texas Community Bancshares Inc. (TCBS) advanced +1.05% to $17.28, trading at 36% of its 52-week range ($15.72 – $20). Stretched risk/reward at 18x P/E (5% return on capital) under elevated 10-year interest-rate pressure.
Texas Community Bancshares, Inc. (NASDAQ: TCBS) (the "Company") and The Banc of San Jacinto County Bancshares, Inc. ("SJCB") jointly announced today that they have entered into a definitive merger agreement (the "Merger
TCBS (bank) and JVA (coffee) look undervalued with operating momentum.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on TCBS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for TCBS. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Texas Community Bancshares Inc. (TCBS) ranks #527 by composite RQD confidence (57/100, grade D+) and #1012 by equity capitalization ($49.6M). Within this direct 5-issuer industry benchmark cohort, TCBS leads on earnings valuation at 17.5x trailing P/E, while TCBS leads on capital efficiency and profitability with 5.3% ROIC and — gross margin. BSBK currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with TCBS at 57/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| TCBS
ACTIVE
Texas Community Bancshares Inc. | D+ | 57/100 | 17.5x | — | 5.3% | +1.05% | $49.6M | Benchmark Subject |
| MBBC Marathon Bancorp Inc. | D+ | 56/100 | — | — | 0.1% | 0.00% | $43.7M | /mbbc-vs-tcbs → |
| FNWB First Northwest Bancorp | D- | 35/100 | — | — | -2.7% | -0.10% | $98.1M | /fnwb-vs-tcbs → |
| BSBK Bogota Financial Corp. | C- | 59/100 | 56.3x | — | 1.5% | -0.11% | $117.8M | /bsbk-vs-tcbs → |
| WSBK Winchester Bancorp Inc. | D+ | 53/100 | — | — | -0.7% | +0.41% | $123.9M | /wsbk-vs-tcbs → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Texas Community Bancshares Inc. (TCBS) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $2.8M, operating cash flow of $1.4M, and free cash flow of $973.0K (+31.5% YoY). On the balance sheet, TCBS closed FY2025 with $429.8M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $2.8M | $1.4M | $973.0K | $429.8M | — |
| FY2024 (FY) | 2024-12-31 | $0 | -$1.3M | $1.9M | $740.0K | $443.5M | — |
| FY2023 (FY) | 2023-12-31 | $0 | -$733.0K | $2.3M | $2.3M | — | — |
As of 2026-11-02, Texas Community Bancshares Inc. (NASDAQ: TCBS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $17.28 (+1.05% 1D, market cap $49.6M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, TCBS ranks #527 in composite RQD confidence.
Within the Financials sector (Banks), TCBS carries a Roarable D+ (57/100 RQD), trailing P/E of 17.5x, gross margin of —, and ROIC of 5.3%. By comparison, MBBC (Marathon Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $43.7M) and FNWB (First Northwest Bancorp) posts a D- grade (35/100 RQD, P/E N/A, ROIC -2.7%, cap $98.1M). Among the 5-stock peer group, TCBS leads on earnings multiple (17.5x) while TCBS leads on capital efficiency (5.3% ROIC).
Per TCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001849466), Texas Community Bancshares Inc. generated $0 in revenue, $2.8M in net income, and $973.0K in free cash flow against $429.8M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
TCBS last traded at $17.28 (+1.05% on volume of 266 shares), positioning the stock +0.47% above its 50-day simple moving average ($17.20) and +0.76% above its 200-day simple moving average ($17.15). Across its 52-week range of $15.72 to $20.00, TCBS sits at the 36.4% percentile with a 14-day RSI of 57.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±1.8% ($16.97 to $17.59).
Why TCBS Stock advanced +1.05% Today — RQD Quant Desk Flash. Stretched risk/reward at 18x P/E (5% return on capital) under elevated 10-year interest-rate pressure.
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