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Texas Community BancsharesTCBS 60 PB Ratio is 0.93 as of Jul. 24, 2026, which is 9% above its 10-year median of 0.85. 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 1,511 Banks companies, Texas Community Bancshares ranks better than 66.05% on this metric.
Texas Community Bancshares Inc stock PB Ratio (=0.93) is close to 3-year high of 0.99.
The historical rank and industry rank for Texas Community Bancshares's PB Ratio or its related term are showing as below:
TCBS'
s PB Ratio Range Over the Past 10 Years
Min: 0.61 Med: 0.85 Max: 1.71
Current: 0.93
During the past 7 years, Texas Community Bancshares's highest PB Ratio was 1.71. The lowest was 0.61. And the median was 0.85.
TCBS's PB Ratio is ranked better than 66.05% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs TCBS: 0.93
During the past 12 months, Texas Community Bancshares's average Book Value Per Share Growth Rate was 1.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.80% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Texas Community Bancshares was 22.80% per year. The lowest was -3.40% per year. And the median was 12.15% per year.
Back to Basics: PB Ratio
Texas Community Bancshares (NAS:TCBS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Texas Community Bancshares PB Ratio Related Terms
Texas Community Bancshares PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Texas Community Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Texas Community Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Texas Community Bancshares (TCBS) has a PB Ratio of 0.93 as of Jul. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Texas Community Bancshares and its competitors. This is near median its historical median of 0.85. Over the past decade, Texas Community Bancshares' PB Ratio has ranged from 0.61 to 1.71. According to the industry distribution chart, Texas Community Bancshares ranks #513 out of 1511 companies in the Banks industry, placing it in the top 34%.
Is Texas Community Bancshares' PB Ratio too high?
Texas Community Bancshares' current PB Ratio of 0.93 is near median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.71. The Banks industry median PB Ratio is 1.11. Texas Community Bancshares' value of 0.93 is 16.2% below this industry median. Based on the distribution chart, Texas Community Bancshares ranks #513 out of 1511 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' PB Ratio compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #513 out of 1511 companies for PB Ratio. This puts Texas Community Bancshares in the upper half of its industry. The industry median PB Ratio is 1.11. Texas Community Bancshares' value of 0.93 is 16.2% below this benchmark. Historically, Texas Community Bancshares' own PB Ratio has ranged from 0.61 to 1.71 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,511 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Community Bancshares's current PB Ratio of 0.93 is 16.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Texas Community Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Community Bancshares's current PB Ratio is 0.93, which is near median its own 10-year median of 0.85. 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 PB Ratio is 0.93, which is near median its 10-year median of 0.85 and 16.2% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current PB Ratio is 0.93 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:
PB Ratio: 0.93 (near median its 10-year median of 0.85)
GF Value™: $22.08 vs. price of $17.46 (20.9% below fair value)
Industry Position: 16.2% below the Banks median (#513 of 1511)
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
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