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 ROE % is 6.19% as of Mar. 2026, which is 160% above its 10-year median of 2.38. 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 1,520 Banks companies, Texas Community Bancshares ranks worse than 78.95% on this metric.
The historical rank and industry rank for Texas Community Bancshares's ROE % or its related term are showing as below:
TCBS'
s ROE % Range Over the Past 10 Years
Min: -2.47 Med: 2.38 Max: 5.68
Current: 5.68
During the past 7 years, Texas Community Bancshares's highest ROE % was 5.68%. The lowest was -2.47%. And the median was 2.38%.
TCBS's ROE % is ranked worse than 78.95% of 1520
companies
in the Banks industry
Industry Median: 10.28
vs TCBS: 5.68
Texas Community Bancshares (NAS:TCBS) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Texas Community Bancshares's ROE % distribution charts can be found below:
* The bar in red indicates where Texas Community Bancshares's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Texas Community Bancshares (TCBS) has a ROE % of 6.19% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Texas Community Bancshares and its competitors. This is 160% above median its historical median of 2.38. According to the industry distribution chart, Texas Community Bancshares ranks #1200 out of 1520 companies in the Banks industry, placing it in the top 78.9%.
Is Texas Community Bancshares' ROE % too high?
Texas Community Bancshares' current ROE % of 6.19% is 160% above median its 10-year median of 2.38. The Banks industry median ROE % is 10.28. Texas Community Bancshares' value of 6.19% is 39.8% below this industry median. Based on the distribution chart, Texas Community Bancshares ranks #1200 out of 1520 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' ROE % compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #1200 out of 1520 companies for ROE %. This places Texas Community Bancshares in the lower half of its industry. The industry median ROE % is 10.28. Texas Community Bancshares' value of 6.19% is 39.8% below this benchmark. While the company's 10-year median is 2.38 vs. the industry median of 10.28, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.28, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Community Bancshares's current ROE % of 6.19% is 39.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Texas Community Bancshares and its competitors. For the Banks industry, the median ROE % is 10.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Community Bancshares's current ROE % is 6.19%, which is 160% above median its own 10-year median of 2.38. 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 ROE % is 6.19%, which is 160% above median its 10-year median of 2.38 and 39.8% below the Banks industry median of 10.28. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current ROE % 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:
ROE %: 6.19% (160% above median its 10-year median of 2.38)
GF Value™: $22.08 vs. price of $17.46 (20.9% below fair value)
Industry Position: 39.8% below the Banks median (#1200 of 1520)
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
ROE % 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 
