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. Based on the current metrics, the company appears to be fairly valued. Key ratios include a P/E ratio of 24, a Price to Book Value of 0.92, and a PEG Ratio of 0.13, which suggests that the stock may not be significantly undervalued compared to its earnings growth potential.
In comparison to peers, Magyar Bancorp, Inc. has a much lower P/E ratio of 11.61 and a PEG Ratio of 0.34, indicating it is very attractive, while Lake Shore Bancorp, Inc. has a P/E ratio of 21.02, categorizing it as attractive. Although specific return data for Texas Community Bancshares is not available, the lack of a significant return compared to the S&P 500 reinforces the notion that the stock is fairly valued in the current market environment.