Texas Community Bancshares, Inc. (TCBS)
Savings Institutions, Not Federally Chartered · Financial Services · $50M
Intrinsic Value (Consensus)
$13.87
Current Price
$17.35
Margin of Safety
-20.1%
20.1% Above Intrinsic Value
Value: $14
Price: $17
Valuation Model Estimates
Current Price: $17.35
DCF (Discounted Cash Flow)
$5.31
Graham Number
$20.47
Earnings Power Value
$9.71
Relative Value (P/E)
$20.00
Dividend Discount Model
$0.94
Consensus Value
$13.87
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
45
Profitability
15/25
Strength
17/25
Valuation
9/25
Growth
4/25
Key Financials
- EPS (TTM)
- $1.00
- EPS (Forward)
- $1.05
- Book Value
- $18.63
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 5.3%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 5.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance