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Texas Community BancsharesTCBS 60 Return-on-Tangible-Equity is 6.19% as of Mar. 2026, which is 154% above its 10-year median of 2.44. 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 1,518 Banks companies, Texas Community Bancshares ranks worse than 80.57% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Texas Community Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $3.34 Mil. Texas Community Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $54.00 Mil. Therefore, Texas Community Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.19%.
The historical rank and industry rank for Texas Community Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
TCBS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.48 Med: 2.44 Max: 5.68
Current: 5.68
During the past 7 years, Texas Community Bancshares's highest Return-on-Tangible-Equity was 5.68%. The lowest was -2.48%. And the median was 2.44%.
TCBS's Return-on-Tangible-Equity is ranked worse than 80.57% of 1518
companies
in the Banks industry
Industry Median: 11.27
vs TCBS: 5.68
Texas Community Bancshares (NAS:TCBS) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Texas Community Bancshares Return-on-Tangible-Equity Related Terms
Texas Community Bancshares Return-on-Tangible-Equity 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.
Texas Community Bancshares Return-on-Tangible-Equity Chart
TCBS vs PVBK, FGFI, DENI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Texas Community Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Texas Community Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Texas Community Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.19% mean?
Texas Community Bancshares (TCBS) has a Return-on-Tangible-Equity of 6.19% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Texas Community Bancshares and its competitors. This is 154% above median its historical median of 2.44. According to the industry distribution chart, Texas Community Bancshares ranks #1223 out of 1518 companies in the Banks industry, placing it in the top 80.6%.
Is Texas Community Bancshares' Return-on-Tangible-Equity too high?
Texas Community Bancshares' current Return-on-Tangible-Equity of 6.19% is 154% above median its 10-year median of 2.44. The Banks industry median Return-on-Tangible-Equity is 11.27. Texas Community Bancshares' value of 6.19% is 45.1% below this industry median. Based on the distribution chart, Texas Community Bancshares ranks #1223 out of 1518 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' Return-on-Tangible-Equity compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #1223 out of 1518 companies for Return-on-Tangible-Equity. This places Texas Community Bancshares in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.27. Texas Community Bancshares' value of 6.19% is 45.1% below this benchmark. While the company's 10-year median is 2.44 vs. the industry median of 11.27, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.27, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Community Bancshares's current Return-on-Tangible-Equity of 6.19% is 45.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Texas Community Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Community Bancshares's current Return-on-Tangible-Equity is 6.19%, which is 154% above median its own 10-year median of 2.44. 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 Return-on-Tangible-Equity is 6.19%, which is 154% above median its 10-year median of 2.44 and 45.1% below the Banks industry median of 11.27. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current Return-on-Tangible-Equity is 6.19% 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:
Return-on-Tangible-Equity: 6.19% (154% above median its 10-year median of 2.44)
GF Value™: $22.08 vs. price of $17.46 (20.9% below fair value)
Industry Position: 45.1% below the Banks median (#1223 of 1518)
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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