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Upturn AI SWOT - About
Texas Community Bancshares Inc (TCBS)
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Upturn Advisory Summary
09/17/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -13.77% | Avg. Invested days 48 | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 49.11M USD | Price to earnings Ratio 24.09 | 1Y Target Price - |
Price to earnings Ratio 24.09 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.05 | 52 Weeks Range 13.38 - 17.41 | Updated Date 06/29/2025 |
52 Weeks Range 13.38 - 17.41 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 0.99% | Basic EPS (TTM) 0.67 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.96% | Operating Margin (TTM) 20.37% |
Management Effectiveness
Return on Assets (TTM) 0.45% | Return on Equity (TTM) 3.88% |
Valuation
Trailing PE 24.09 | Forward PE - | Enterprise Value 74323104 | Price to Sales(TTM) 3.39 |
Enterprise Value 74323104 | Price to Sales(TTM) 3.39 | ||
Enterprise Value to Revenue 6.56 | Enterprise Value to EBITDA - | Shares Outstanding 3042650 | Shares Floating 2179077 |
Shares Outstanding 3042650 | Shares Floating 2179077 | ||
Percent Insiders 31.38 | Percent Institutions 9.49 |
Upturn AI SWOT
Texas Community Bancshares Inc
Company Overview
History and Background
Detailed information on Texas Community Bancshares Inc's history, founding year, milestones, and evolution is not publicly available.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and other financial products.
- Commercial Lending: Offers various lending products to businesses, such as commercial real estate loans, equipment financing, and working capital lines of credit.
- Wealth Management: Provides financial planning and investment advisory services to individuals and families. Specific offerings not clear.
Leadership and Structure
Detailed information on Texas Community Bancshares Inc's leadership team and organizational structure is not publicly available.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data unavailable. Competitors include other regional banks and national banks like JPMorgan Chase (JPM) and Bank of America (BAC).
- Small Business Loans: Loans designed to help small businesses finance operations or investments. Market share data unavailable. Competitors include regional banks and online lenders like Kabbage (acquired by American Express AXP).
- Personal Banking Accounts: Checking, savings, and other banking products for individuals. Market share data unavailable. Competitors include regional banks and national banks like Wells Fargo (WFC) and Citibank (C).
Market Dynamics
Industry Overview
The community banking industry is characterized by serving local markets with personalized financial services. It faces competition from larger national banks and online financial institutions. The industry is impacted by interest rate fluctuations, regulatory changes, and economic conditions.
Positioning
Texas Community Bancshares Inc likely operates as a community bank focusing on serving local businesses and individuals in Texas. Competitive advantages may include local knowledge, customer service, and responsiveness.
Total Addressable Market (TAM)
The TAM for community banking in Texas is estimated to be in the tens of billions of dollars. Texas Community Bancshares Inc's position within this TAM depends on its size and market share.
Upturn SWOT Analysis
Strengths
- Local Market Knowledge
- Customer Relationships
- Agility
- Community Reputation
Weaknesses
- Limited Resources Compared to Larger Banks
- Geographic Concentration
- Brand Recognition
- Technology Infrastructure
Opportunities
- Expansion into New Markets within Texas
- Increased Demand for Local Banking Services
- Technology Adoption
- Partnerships with Fintech Companies
Threats
- Competition from Larger Banks
- Economic Downturns
- Regulatory Changes
- Cybersecurity Threats
Competitors and Market Share
Key Competitors
- COM
- WTFC
- BANF
Competitive Landscape
Compared to larger banks, Texas Community Bancshares Inc may have advantages in customer service and local market knowledge, but disadvantages in resources and technology. Compared to other regional banks, competitive advantages and disadvantages will vary depending on individual circumstances.
Growth Trajectory and Initiatives
Historical Growth: No public information available on historical growth.
Future Projections: No analyst estimates available for future growth.
Recent Initiatives: No public information available on recent strategic initiatives.
Summary
Without available data, it's difficult to assess Texas Community Bancshares Inc's strength. Community banks can thrive by leveraging local knowledge and personalized service. However, they face challenges from larger banks and technological disruption. Careful management of risks and adaptation to changing market conditions are essential for success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings, Company Websites, Industry Reports
Disclaimers:
This analysis is based on limited publicly available information. The actual financial performance and market position of Texas Community Bancshares Inc may differ significantly. The AI rating is speculative and should not be used as investment 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 60 | Website https://www.broadstreet.bank |
Full time employees 60 | 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, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
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