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Texas Community BancsharesTCBS 66 EV-to-OCF is 17.43 as of Sep. 07, 2026, which is 48% below its 10-year median of 33.24. GuruFocus rates TCBS with a GF Score™ of 66/100 and a GF Value™ of $22.86 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,490 Banks companies, Texas Community Bancshares ranks worse than 85.57% on this metric.
The historical rank and industry rank for Texas Community Bancshares's EV-to-OCF or its related term are showing as below:
TCBS'
s EV-to-OCF Range Over the Past 10 Years
Min: -342.77 Med: 33.24 Max: 209.19
Current: 17.43
During the past 7 years, the highest EV-to-OCF of Texas Community Bancshares was 209.19. The lowest was -342.77. And the median was 33.24.
TCBS's EV-to-OCF is ranked worse than 85.57% of 1490
companies
in the Banks industry
Industry Median: 4.07
vs TCBS: 17.43
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Texas Community Bancshares (NAS:TCBS) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Texas Community Bancshares's PE Ratio (TTM) for today is calculated as:
Texas Community Bancshares's share price for today is $17.50.
Texas Community Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.210.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Texas Community Bancshares EV-to-OCF Related Terms
Texas Community Bancshares EV-to-OCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Texas Community Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Texas Community Bancshares EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Texas Community Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Texas Community Bancshares's EV-to-OCF falls into.
Texas Community Bancshares's current Enterprise Value is $84.93 Mil.
Texas Community Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.87 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Texas Community Bancshares (TCBS) has a EV-to-OCF of 17.43 as of Sep. 07, 2026. This is 48% below median its historical median of 33.24. According to the industry distribution chart, Texas Community Bancshares ranks #1275 out of 1490 companies in the Banks industry, placing it in the top 85.6%.
Is Texas Community Bancshares' EV-to-OCF too high?
Texas Community Bancshares' current EV-to-OCF of 17.43 is 48% below median its 10-year median of 33.24. The Banks industry median EV-to-OCF is 4.07. Texas Community Bancshares' value of 17.43 is 328.3% above this industry median. Based on the distribution chart, Texas Community Bancshares ranks #1275 out of 1490 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Texas Community Bancshares has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Texas Community Bancshares' EV-to-OCF compare to KFFB and PVBK?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #1275 out of 1490 companies for EV-to-OCF. This places Texas Community Bancshares in the lower half of its industry. The industry median EV-to-OCF is 4.07. Texas Community Bancshares' value of 17.43 is 328.3% above this benchmark. While the company's 10-year median is 33.24 vs. the industry median of 4.07, Texas Community Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.07, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Community Bancshares's current EV-to-OCF of 17.43 is 328.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Community Bancshares's current EV-to-OCF is 17.43, which is 48% below median its own 10-year median of 33.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Texas Community Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Texas Community Bancshares (TCBS) is currently considered Modestly Undervalued. The stock's GF Value™ is $22.86, compared to a current price of $17.50 — trading 23.4% below its estimated fair value. The current EV-to-OCF is 17.43, which is 48% below median its 10-year median of 33.24 and 328.3% above the Banks industry median of 4.07. Texas Community Bancshares' overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current EV-to-OCF is 17.43 as of Sep. 07, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Texas Community Bancshares (TCBS) Overvalued in 2026?
Based on GuruFocus' analysis, Texas Community Bancshares stock appears to be undervalued.
The current stock price of $17.50 is trading 23.4% below its estimated GF Value™ of $22.86.
GuruFocus considers Texas Community Bancshares to be Modestly Undervalued.
Key valuation signals for TCBS:
EV-to-OCF: 17.43 (48% below median its 10-year median of 33.24)
GF Value™: $22.86 vs. price of $17.50 (23.4% below fair value)
Industry Position: 328.3% above the Banks median (#1275 of 1490)
No single metric tells the full story. See the TCBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Texas Community Bancshares Inc is a holding company. The company's business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings from the Federal Home Loan Bank of Dallas, in residential real estate loans, commercial real estate loans, and, to a lesser extent, commercial loans, construction and land loans, and consumer and other loans. Its portfolio segments are real estate, agriculture, commercial, consumer, and other.
66GF Score
Get the complete analysis for TCBS
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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