TCBS (Texas Community Bancshares) Tariff Resilience Score: 9/10 (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 Tariff Resilience Score?

Texas Community Bancshares TCBS 60 Tariff Resilience Score is 9 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 1,602 Banks companies, Texas Community Bancshares ranks better than 99.31% on this metric.

Texas Community Bancshares has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Texas Community Bancshares has Negligible tariff impact as a community bank with no direct exposure to international trade. Operations are entirely domestic.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Texas Community Bancshares might have Highly Resilient.

Texas Community Bancshares  (NAS:TCBS) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Texas Community Bancshares Tariff Resilience Score Related Terms

TCBS vs PVBK, FGFI, DENI: Tariff Resilience Score Comparison

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

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

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


TCBS
60GF Score
Texas Community Bancshares Inc TCBS
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Texas Community Bancshares (TCBS) has a Tariff Resilience Score of 9 as of Jul. 24, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Texas Community Bancshares ranks #11 out of 1602 companies in the Banks industry, placing it in the top 0.7%.
Is Texas Community Bancshares' Tariff Resilience Score too high?
Texas Community Bancshares' current Tariff Resilience Score is 9. Based on the distribution chart, Texas Community Bancshares ranks #11 out of 1602 companies in the Banks industry, which is in the top quartile — a strong position 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' Tariff Resilience Score compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #11 out of 1602 companies for Tariff Resilience Score. This places Texas Community Bancshares in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Texas Community Bancshares's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.46
Price
$22.08
GF Value