Texas Community Bancshares, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Texas Community Bancshares, Inc.

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Why is Texas Community Bancshares, Inc. ?

The company has declared Positive results for the last 3 consecutive quarters

ROCE(HY) Highest at 0.57%
NET PROFIT(Q) Highest at USD 0.68 MM
GROSS NPA (%)(Q) Lowest at 0.34%

With ROA of 0.51%, it has a attractive valuation with a 0.89 Price to Book Value

Over the past year, while the stock has generated a return of 10.70%, its profits have risen by 217.2% ; the PEG ratio of the company is 0.1

Increasing Participation by Institutional Investors

Institutional investors have increased their stake by 0.92% over the previous quarter and collectively hold 11.57% of the company
These investors have better capability and resources to analyse fundamentals of companies than most retail investors

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Texas Community Bancshares, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Texas Community Bancshares, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Texas Community Bancshares, Inc.

13.19%

0.89

26.84%

S&P 500

16.08%

0.62

19.30%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-5.54%

EBIT Growth (5y)

19.84%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

10.65%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.89

EV to EBIT

33.65

EV to EBITDA

26.97

EV to Capital Employed

0.93

EV to Sales

3.56

PEG Ratio

0.09

Dividend Yield

1.37%

ROCE (Latest)

2.77%

ROE (Latest)

4.70%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

18What is working for the Company

ROCE(HY)

Highest at 0.57%

NET PROFIT(Q)

Highest at USD 0.68 MM

GROSS NPA (%)

OPERATING PROFIT(Q)

Highest at USD 0.77 MM

OPERATING PROFIT MARGIN(Q)

Highest at 13.77 %

EPS(Q)

Highest at USD 0.24

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 0.99 MM

ROCE(HY)

Lowest at 0.57%

Here's what is working for Texas Community Bancshares, Inc.

Net Profit

Highest at USD 0.68 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)

Lowest at 0.34%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Profit

Highest at USD 0.77 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 13.77 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

EPS

Highest at USD 0.24

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Texas Community Bancshares, Inc.

Operating Cash Flow

Lowest at USD 0.99 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)