ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Texas Community Bancshares, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 8 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 4.87 MM
- ROCE(HY) Highest at 0.75%
- OPERATING PROFIT(Q) Highest at USD 1.15 MM
2
With ROA of 0.41%, it has a fair valuation with a 0.95 Price to Book Value
- Over the past year, while the stock has generated a return of 8.84%, its profits have risen by 316.8% ; the PEG ratio of the company is 0.1
3
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 4.46% over the previous quarter and collectively hold 16.15% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow 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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Texas Community Bancshares, Inc.
8.18%
0.76
27.71%
S&P 500
18.71%
1.47
13.04%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.75%
EBIT Growth (5y)
27.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
17.08%
Pledged Shares
0
Institutional Holding
11.69%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
0.95
EV to EBIT
29.70
EV to EBITDA
24.46
EV to Capital Employed
0.97
EV to Sales
3.66
PEG Ratio
0.05
Dividend Yield
1.28%
ROCE (Latest)
3.27%
ROE (Latest)
5.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 4.87 MM
ROCE(HY)
Highest at 0.75%
OPERATING PROFIT(Q)
Highest at USD 1.15 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 3.68 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 93.53%
NET SALES(Q)
Highest at USD 5.82 MM
OPERATING PROFIT MARGIN(Q)
Highest at 19.69 %
PRE-TAX PROFIT(Q)
Highest at USD 1.15 MM
NET PROFIT(Q)
Highest at USD 0.97 MM
EPS(Q)
Highest at USD 0.35
-3What is not working for the Company
ROCE(HY)
Lowest at 0.75%
CASH AND EQV(HY)
Lowest at USD 6.71 MM
Here's what is working for Texas Community Bancshares, Inc.
Operating Profit
Highest at USD 1.15 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.11%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 3.68 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 4.87 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 5.82 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit Margin
Highest at 19.69 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 1.15 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 0.97 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.35
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 93.53%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Texas Community Bancshares, Inc.
Cash and Eqv
Lowest at USD 6.71 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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