Is Texas Community Bancshares, Inc. overvalued or undervalued?

As of 19 September 2025, the valuation grade for Texas Community Bancshares, Inc. has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time, with a P/E ratio of 24, a Price to Book Value of 0.92, and an EV to EBITDA ratio of 31.18. In comparison to peers, Magyar Bancorp, Inc. has a P/E of 11.61, suggesting it is very attractive, while TC Bancshares, Inc. is considered expensive with an EV to EBITDA of 58.07.
In terms of recent performance, Texas Community Bancshares has returned 15.7% over the past year, slightly trailing the S&P 500's return of 16.64%. This performance, combined with its valuation metrics, supports the conclusion that the stock is fairly valued relative to its peers and market conditions.