TCBS (Texas Community Bancshares) Moat Score: 3/10 (As of Jul. 24, 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 Moat Score?

Texas Community Bancshares TCBS 60 Moat Score is 3 as of Jul. 24, 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. Among 1,605 Banks companies, Texas Community Bancshares ranks better than 74.58% on this metric.

Texas Community Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Texas Community Bancshares has No Moat: Texas Community Bancshares Inc lacks significant market leadership, brand strength, and customer loyalty. The company does not possess strong intellectual property, cost advantages, or regulatory barriers, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Texas Community Bancshares might have No Moat - Very weak/transient advantages.

Texas Community Bancshares  (NAS:TCBS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Texas Community Bancshares Moat Score Related Terms

TCBS vs PVBK, FGFI, DENI: Moat Score Comparison

For the Banks - Regional subindustry, Texas Community Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Texas Community Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Texas Community Bancshares's Moat Score falls into.


TCBS
60GF Score
Texas Community Bancshares Inc TCBS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Texas Community Bancshares (TCBS) has a Moat Score of 3 as of Jul. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Texas Community Bancshares ranks #408 out of 1605 companies in the Banks industry, placing it in the top 25.4%.
Is Texas Community Bancshares' Moat Score too high?
Texas Community Bancshares' current Moat Score is 3. Based on the distribution chart, Texas Community Bancshares ranks #408 out of 1605 companies in the Banks industry, which is above the industry midpoint. 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' Moat Score compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #408 out of 1605 companies for Moat Score. This puts Texas Community Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Texas Community Bancshares's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current Moat Score is 3 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:

  • Moat Score: 3
  • 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.46
Price
$22.08
GF Value