2 models fit Texas Community Bancshares Inc. Common Stock and they disagree: 0 of 2 land within 15% of the average.
Two or more of our models back this value.
Large premium(i)Bronze51
Valued as a bank: Residual income, Dividend discount, and Graham number.
ACCE opinionTexas Community Bancshares Inc. Common Stock (TCBS)
Fair value (2 models)
$11.85
ACCE price target
$15.45
Rating
Overvalued
Horizon
12 months
Fair value published on 16 Oct 2026, 00:00 CEST; previously $11.83 since 11 Oct 2026, 00:00 CEST.
ACCE price target published on 15 Oct 2026, 00:00 CEST.
Rating published on 20 Oct 2026, 15:04 CEST.
Price used: $17.23 at the close on 23 Oct 2026, 22:00 CEST.
Models: Dividend discount, Graham number, and Residual income.
Fair value: the average of the applicable valuation models (discounted cash flow, multiples, residual income, dividend discount, shareholder yield), each run on the latest financial statements and the market price shown. Opinion columns (fair value, target, rating) are shown apart from the data. Full methodology: acceinvestments.com/data/how-we-value-stocks
Conflicts of interest: The author holds no personal position in this security. General statement
Produced by ACCE Investments (acceinvestments.com)
Data
Price vs fair value
45.4% above
-31.2% to fair value
ACCE score
64
out of 100
P/E
14.2x
forward 0.0x
1-year return
+7.1%
Dividend yield
1.16%
Texas Community Bancshares Inc. Common Stock in four questions
Plain answers, details below
Free accounts get 5 full stock pages a month, including the four answers.
Overview
ACCE thesis
Texas Community Bancshares is the holding company for Mineola Community Bank, a small Texas lender that takes retail deposits and writes residential mortgages, home equity loans and commercial real estate credit across its East Texas branch footprint. The thesis rests on a community bank franchise with a roughly 50 million dollar market cap, where a 13.5% revenue growth rate and a trailing P/E of 14.3 suggest the market is pricing it as a modest-growth, under-followed name rather than a turnaround. Returns are the weak spot: a 6.2% ROE is thin for a bank and leaves little room for error if credit costs rise or deposit competition squeezes net interest margin. The forward P/E reads 0.0, which likely reflects missing consensus estimates rather than a real earnings forecast, so the valuation case has to be built from the trailing numbers and balance sheet. Worth a deeper look only if the analyst can confirm loan quality, deposit costs and capital levels, and explain why ROE should rise from here.