Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Texas Community Bancshares Inc(TCBS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TCBS
09/25/2026: TCBS (1-star) is currently NOT-A-BUY. Pass it for now.
Texas Community Bancshares is a regional financial institution operating as a bank holding company, primarily serving local individuals and businesses through its banking subsidiary. Its core strengths include a stable, relationship-based deposit base and a conservative lending approach that prioritizes asset quality. The company’s growth story hinges on its ability to expand its commercial loan presence within its Texas footprint while optimizing digital services. Key risks include intense competition from larger banks and sensitivity to interest rate fluctuations. This stock may suit value-oriented investors seeking steady, community-focused financial exposure, provided they monitor regulatory developments and the company’s ability to scale technology efficiently.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a small-cap bank with limited explosive growth prospects compared to tech or high-growth sectors. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a sustained upturn in interest rate environments and stock price breaking resistance. |
| Value investor | Strong fit | The stock often trades based on tangible book value and dividend stability, which can appeal to value-oriented investors. |
| Dividend investor | Strong fit while signal remains positive | Consistent dividend payouts are a key component of the investment case for community bank stocks. |
| Low-risk investor | Mixed fit | While community banks are generally stable, they are subject to regional economic downturns and interest rate risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Small-cap stocks can experience liquidity-driven price swings. |
| Valuation risk | Medium | The stock is sensitive to interest rate expectations and regional economic health. |
| Competition risk (banking) | Medium / high | Intense competition from larger banks limits pricing power. |
| Business quality | Medium | The franchise is solid but lacks the scale of dominant national players. |
| Dividend income | Medium | Dividends depend on earnings stability and regulatory capital requirements. |
| Execution risk | Medium | Management must effectively navigate shifting economic landscapes and loan credit quality. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -18.55% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 48.84M USD | Price to earnings Ratio 14.05 | 1Y Target Price - |
Price to earnings Ratio 14.05 | 1Y Target Price - | ||
Volume (30-day avg) 1.8K shares | Beta -0.03 | 52 Weeks Range 15.52 - 19.80 | Updated Date 09/25/2026 |
52 Weeks Range 15.52 - 19.80 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 1.18% | Basic EPS (TTM) 1.21 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential and commercial loans minus interest paid on deposits. | The company makes money by lending money at higher rates than it pays to depositors. |
| Non-Interest Income | Service charges on deposit accounts and fees from banking services. | Supplementary income from account fees provides a steady, though smaller, revenue stream. |
Valuation
Trailing PE 14.05 | Forward PE - | Enterprise Value 76.66M | Price to Sales(TTM) 2.96 |
Enterprise Value 76.66M | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 5.48 | Enterprise Value to EBITDA - | Shares Outstanding 2.87M | Shares Floating 2.07M |
Shares Outstanding 2.87M | Shares Floating 2.07M | ||
Percent Insiders 24.39 | Percent Institutions 14.49 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Texas Community Bancshares Inc
Exchange NASDAQ | Headquarters 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 61 | Website https://www.broadstreet.bank |
Full time employees 61 | 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 checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
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.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.