ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Texas Community Bancshares, Inc. ?
1
The company has declared Positive results for the last 3 consecutive quarters
- ROCE(HY) Highest at 0.53%
- PRE-TAX PROFIT(Q) Highest at USD 0.82 MM
- NET PROFIT(Q) Highest at USD 0.68 MM
2
With ROA of 0.41%, it has a fair valuation with a 0.92 Price to Book Value
- Over the past year, while the stock has generated a return of 6.93%, its profits have risen by 184.2% ; the PEG ratio of the company is 0.1
3
Majority shareholders : Mutual Funds
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?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Texas Community Bancshares, Inc.
6.67%
0.50
22.03%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-19.19%
EBIT Growth (5y)
21.05%
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
0
Pledged Shares
0
Institutional Holding
10.14%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
24
Industry P/E
Price to Book Value
0.92
EV to EBIT
41.22
EV to EBITDA
31.18
EV to Capital Employed
0.95
EV to Sales
3.25
PEG Ratio
0.13
Dividend Yield
0.51%
ROCE (Latest)
2.29%
ROE (Latest)
3.83%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend24What is working for the Company
ROCE(HY)
Highest at 0.53%
PRE-TAX PROFIT(Q)
Highest at USD 0.82 MM
NET PROFIT(Q)
Highest at USD 0.68 MM
GROSS NPA (%)
(Q
OPERATING PROFIT MARGIN(Q)
Highest at 13.68 %
EPS(Q)
Highest at USD 0.23
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 0.27 MM
ROCE(HY)
Lowest at 0.53%
NII(Q)
Lowest at USD 3.17 MM
NET SALES(Q)
Lowest at USD 5.47 MM
Here's what is working for Texas Community Bancshares, Inc.
Pre-Tax Profit
Highest at USD 0.82 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 0.82 MM has Grown at 106.53%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 0.68 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.35%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit Margin
Highest at 13.68 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
At USD 0.68 MM has Grown at 94.83%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.23
in the last five periodsMOJO 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 0.27 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
NII
Lowest at USD 3.17 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Net Sales
Lowest at USD 5.47 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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