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Texas Community BancsharesTCBS 60 5-Year Yield-on-Cost % is 1.15 as of Jul. 24, 2026, which is 17% above its 10-year median of 0.98. 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 1,250 Banks companies, Texas Community Bancshares ranks worse than 91.44% on this metric.
The historical rank and industry rank for Texas Community Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
TCBS'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.15 Med: 0.98 Max: 1.15
Current: 1.15
During the past 7 years, Texas Community Bancshares's highest Yield on Cost was 1.15. The lowest was 0.15. And the median was 0.98.
TCBS's 5-Year Yield-on-Cost % is ranked worse than 91.44% of 1250
companies
in the Banks industry
Industry Median: 3.885
vs TCBS: 1.15
Texas Community Bancshares (NAS:TCBS) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Texas Community Bancshares 5-Year Yield-on-Cost % Related Terms
TCBS vs PVBK, FGFI, DENI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Texas Community Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Texas Community Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Texas Community Bancshares's 5-Year Yield-on-Cost % falls into.
Texas Community Bancshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Texas Community Bancshares (TCBS) has a 5-Year Yield-on-Cost % of 1.15 as of Jul. 24, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Texas Community Bancshares and its competitors. This is 17% above median its historical median of 0.98. Over the past decade, Texas Community Bancshares' 5-Year Yield-on-Cost % has ranged from 0.15 to 1.15. According to the industry distribution chart, Texas Community Bancshares ranks #1143 out of 1250 companies in the Banks industry, placing it in the top 91.4%.
Is Texas Community Bancshares' 5-Year Yield-on-Cost % too high?
Texas Community Bancshares' current 5-Year Yield-on-Cost % of 1.15 is 17% above median its 10-year median of 0.98. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 1.15. The Banks industry median 5-Year Yield-on-Cost % is 3.89. Texas Community Bancshares' value of 1.15 is 70.4% below this industry median. Based on the distribution chart, Texas Community Bancshares ranks #1143 out of 1250 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' 5-Year Yield-on-Cost % compare to PVBK and FGFI?
According to the Banks industry distribution chart, Texas Community Bancshares ranks #1143 out of 1250 companies for 5-Year Yield-on-Cost %. This places Texas Community Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Texas Community Bancshares' value of 1.15 is 70.4% below this benchmark. Historically, Texas Community Bancshares' own 5-Year Yield-on-Cost % has ranged from 0.15 to 1.15 over the past decade. While the company's 10-year median is 0.98 vs. the industry median of 3.89, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,250 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Texas Community Bancshares's current 5-Year Yield-on-Cost % of 1.15 is 70.4% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Texas Community Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Texas Community Bancshares's current 5-Year Yield-on-Cost % is 1.15, which is 17% above median its own 10-year median of 0.98. 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 5-Year Yield-on-Cost % is 1.15, which is 17% above median its 10-year median of 0.98 and 70.4% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Texas Community Bancshares (TCBS), the current 5-Year Yield-on-Cost % is 1.15 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:
5-Year Yield-on-Cost %: 1.15 (17% above median its 10-year median of 0.98)
GF Value™: $22.08 vs. price of $17.46 (20.9% below fair value)
Industry Position: 70.4% below the Banks median (#1143 of 1250)
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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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