TCBS (Texas Community Bancshares) Long-Term Debt: $41.57 Mil (As of Mar. 2026)

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TCBS Texas Community Bancshares Inc TCBS
60 GF Score
Price $17.46
GF Value $22.08
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Texas Community Bancshares Long-Term Debt?

Texas Community Bancshares TCBS 60 Long-Term Debt is $41.57 Mil as of Mar. 2026. 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.

Texas Community Bancshares's Long-Term Debt for the quarter that ended in Mar. 2026 was $41.57 Mil.

Texas Community Bancshares's quarterly Long-Term Debt declined from Sep. 2025 ($48.77 Mil) to Dec. 2025 ($45.67 Mil) and declined from Dec. 2025 ($45.67 Mil) to Mar. 2026 ($41.57 Mil).

Texas Community Bancshares's annual Long-Term Debt declined from Dec. 2023 ($76.90 Mil) to Dec. 2024 ($49.88 Mil) and declined from Dec. 2024 ($49.88 Mil) to Dec. 2025 ($45.67 Mil).

Texas Community Bancshares  (NAS:TCBS) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Texas Community Bancshares Long-Term Debt Related Terms

Texas Community Bancshares Long-Term Debt Historical Data

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The historical data trend for Texas Community Bancshares's Long-Term Debt 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.

Texas Community Bancshares Long-Term Debt Chart

Texas Community Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial 27.57 62.49 76.90 49.88 45.67

Texas Community Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 49.56 49.24 48.77 45.67 41.57
TCBS
60GF Score
Texas Community Bancshares Inc TCBS
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $41.57 Mil mean?
Texas Community Bancshares (TCBS) has a Long-Term Debt of $41.57 Mil as of Mar. 2026.
Is Texas Community Bancshares' Long-Term Debt too high?
Texas Community Bancshares' current Long-Term Debt is $41.57 Mil. 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' Long-Term Debt compare to PVBK and FGFI?
Texas Community Bancshares' Long-Term Debt of $41.57 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Texas Community Bancshares's current Long-Term Debt is $41.57 Mil. 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 Long-Term Debt is $41.57 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current Long-Term Debt is $41.57 Mil as of Mar. 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:

  • Long-Term Debt: $41.57 Mil
  • GF Value™: $22.08 vs. price of $17.46 (20.9% below fair value)
  • GF Score™: 60/100 with 3 warning signs

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 Business Description

Address 215 West Broad Street, 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, 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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.46
Price
$22.08
GF Value