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Texas Community BancsharesTCBS 60 EV-to-FCF is 33.38 as of Jul. 24, 2026, which is 6% above its 10-year median of 31.55. GuruFocus rates TCBS with a GF Score™ of 60/100 and a GF Value™ of $22.08 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,192 Banks companies, Texas Community Bancshares ranks worse than 89.85% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Texas Community Bancshares's Enterprise Value is $78.64 Mil.
Texas Community Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $2.36 Mil. Therefore, Texas Community Bancshares's EV-to-FCF for today is 33.38.
The historical rank and industry rank for Texas Community Bancshares's EV-to-FCF or its related term are showing as below:
TCBS'
s EV-to-FCF Range Over the Past 10 Years
Min: -211.35 Med: 31.55 Max: 564.97
Current: 33.38
During the past 7 years, the highest EV-to-FCF of Texas Community Bancshares was 564.97. The lowest was -211.35. And the median was 31.55.
TCBS's EV-to-FCF is ranked worse than 89.85% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs TCBS: 33.38
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $17.46.
Texas Community Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.100.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Texas Community Bancshares EV-to-FCF Related Terms
Texas Community Bancshares EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Texas Community Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Texas Community Bancshares's EV-to-FCF falls into.
Texas Community Bancshares's current Enterprise Value is $78.64 Mil.
Texas Community Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.36 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-FCF of 33.38 as of Jul. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Texas Community Bancshares and its competitors. This is near median its historical median of 31.55. According to the industry distribution chart, Texas Community Bancshares ranks #1071 out of 1192 companies in the Banks industry, placing it in the top 89.8%.
Is Texas Community Bancshares' EV-to-FCF too high?
Texas Community Bancshares' current EV-to-FCF of 33.38 is near median its 10-year median of 31.55. The Banks industry median EV-to-FCF is 6.68. Texas Community Bancshares' value of 33.38 is 399.7% above this industry median. Based on the distribution chart, Texas Community Bancshares ranks #1071 out of 1192 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Texas Community Bancshares has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Texas Community Bancshares' EV-to-FCF compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #1071 out of 1192 companies for EV-to-FCF. This places Texas Community Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.68. Texas Community Bancshares' value of 33.38 is 399.7% above this benchmark. While the company's 10-year median is 31.55 vs. the industry median of 6.68, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Community Bancshares's current EV-to-FCF of 33.38 is 399.7% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Texas Community Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Community Bancshares's current EV-to-FCF is 33.38, which is near median its own 10-year median of 31.55. 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 $22.08, compared to a current price of $17.46 — trading 20.9% below its estimated fair value. The current EV-to-FCF is 33.38, which is near median its 10-year median of 31.55 and 399.7% above the Banks industry median of 6.68. Texas Community Bancshares' overall GF Score™ is 60/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current EV-to-FCF is 33.38 as of Jul. 24, 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 $17.46 is trading 20.9% below its estimated GF Value™ of $22.08.
GuruFocus considers Texas Community Bancshares to be Modestly Undervalued.
Key valuation signals for TCBS:
EV-to-FCF: 33.38 (near median its 10-year median of 31.55)
GF Value™: $22.08 vs. price of $17.46 (20.9% below fair value)
Industry Position: 399.7% above the Banks median (#1071 of 1192)
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.
60GF Score
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