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TCBS (Texas Community Bancshares) Intrinsic Value: Projected FCF : $0.00 (As of May. 30, 2025)


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What is Texas Community Bancshares Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2025-05-30), Texas Community Bancshares's Intrinsic Value: Projected FCF is $0.00. The stock price of Texas Community Bancshares is $15.80. Therefore, Texas Community Bancshares's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.

The historical rank and industry rank for Texas Community Bancshares's Intrinsic Value: Projected FCF or its related term are showing as below:

TCBS's Price-to-Projected-FCF is not ranked *
in the Banks industry.
Industry Median: 0.5
* Ranked among companies with meaningful Price-to-Projected-FCF only.

Texas Community Bancshares Intrinsic Value: Projected FCF Historical Data

The historical data trend for Texas Community Bancshares's Intrinsic Value: Projected FCF can be seen below:

* 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.

* Premium members only.

Texas Community Bancshares Intrinsic Value: Projected FCF Chart

Texas Community Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Intrinsic Value: Projected FCF
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Texas Community Bancshares Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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Competitive Comparison of Texas Community Bancshares's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Texas Community Bancshares's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Texas Community Bancshares's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Texas Community Bancshares's Price-to-Projected-FCF falls into.


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Texas Community Bancshares Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)



Texas Community Bancshares  (NAS:TCBS) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Texas Community Bancshares's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=15.80/
=

* 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 Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of Texas Community Bancshares's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Texas Community Bancshares Business Description

Traded in Other Exchanges
N/A
Address
215 West Broad Street, P.O. Box 410, Mineola, TX, USA, 75773
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 and 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.
Executives
Johnny Sherrill director 215 WEST BROAD STREET, MINEOLA TX 75773
Anthony Scavuzzo director 215 WEST BROAD STREET, MINEOLA TX 75773
Terri Baucum officer: SVP & CLO 215 WEST BROAD STREET, MINEOLA TX 75773
Glen Thurman director 215 WEST BROAD STREET, MINEOLA TX 75773
Sheree A. Mize director, officer: Corporate Secretary 215 WEST BROAD STREET, MINEOLA TX 75773
Brittany Bessonett officer: SVP and Marketing Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Haskell Strange officer: SVP and COO 215 WEST BROAD STREET, MINEOLA TX 75773
Jason Sobel officer: Bank President 215 WEST BROAD STREET, MINEOLA TX 75773
Kraig Yarbrough officer: SVP 215 WEST BROAD STREET, MINEOLA TX 75773
Julie Sharff officer: Chief Financial Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Herlocker James H. Iii director, officer: Chairman, President and CEO 215 WEST BROAD STREET, MINEOLA TX 75773
Clifton D. Bradshaw director 215 WEST BROAD STREET, MINEOLA TX 75773
Sofia Gurrusquieta officer: Compliance, BSA, CRA Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Demethrius Boyd director 215 WEST BROAD STREET, MINEOLA TX 75773
Bryan Summerville director 215 WEST BROAD STREET, MINEOLA TX 75773