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.
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.
Texas Community BancsharesTCBS 60 Net Margin % is 20.25% as of Mar. 2026, which is 166% above its 10-year median of 7.60. 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 1,522 Banks companies, Texas Community Bancshares ranks worse than 75.3% on this metric.
The historical rank and industry rank for Texas Community Bancshares's Net Margin % or its related term are showing as below:
TCBS'
s Net Margin % Range Over the Past 10 Years
Min: -11.94 Med: 7.6 Max: 18.14
Current: 18.14
TCBS's Net Margin % is ranked worse than 75.3% of 1522
companies
in the Banks industry
Industry Median: 27.055
vs TCBS: 18.14
Texas Community Bancshares (NAS:TCBS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Texas Community Bancshares Net Margin % Related Terms
Texas Community Bancshares Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Texas Community Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Texas Community Bancshares's Net Margin % falls into.
* 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 Net Margin % of 20.25% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Texas Community Bancshares and its competitors. This is 166% above median its historical median of 7.60. According to the industry distribution chart, Texas Community Bancshares ranks #1146 out of 1522 companies in the Banks industry, placing it in the top 75.3%.
Is Texas Community Bancshares' Net Margin % too high?
Texas Community Bancshares' current Net Margin % of 20.25% is 166% above median its 10-year median of 7.60. The Banks industry median Net Margin % is 27.06. Texas Community Bancshares' value of 20.25% is 25.2% below this industry median. Based on the distribution chart, Texas Community Bancshares ranks #1146 out of 1522 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' Net Margin % compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #1146 out of 1522 companies for Net Margin %. This places Texas Community Bancshares in the lower half of its industry. The industry median Net Margin % is 27.06. Texas Community Bancshares' value of 20.25% is 25.2% below this benchmark. While the company's 10-year median is 7.60 vs. the industry median of 27.06, Texas Community Bancshares has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Community Bancshares's current Net Margin % of 20.25% is 25.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Texas Community Bancshares and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Community Bancshares's current Net Margin % is 20.25%, which is 166% above median its own 10-year median of 7.60. 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 Net Margin % is 20.25%, which is 166% above median its 10-year median of 7.60 and 25.2% below the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current Net Margin % is 20.25% 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:
Net Margin %: 20.25% (166% above median its 10-year median of 7.60)
GF Value™: $22.08 vs. price of $17.46 (20.9% below fair value)
Industry Position: 25.2% below the Banks median (#1146 of 1522)
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
Get the complete analysis for TCBS
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TCBS has been successfully added to your 
