TCBS (Texas Community Bancshares) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 24, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

Texas Community Bancshares's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

TCBS vs PVBK, FGFI, DENI: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Texas Community Bancshares's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Texas Community Bancshares's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Texas Community Bancshares's Margin of Safety % (DCF Dividends Based) falls into.


TCBS
60GF Score
Texas Community Bancshares Inc TCBS
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

Get the complete analysis for TCBS

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.46
Price
$22.08
GF Value