XNASTCBS
Market cap47mUSD
Jan 08, Last price
15.13USD
1D
-0.43%
1Q
0.83%
IPO
0.30%
Name
Texas Community Bancshares Inc
Chart & Performance
P/E
—
P/S
4.13
EPS
—
Div Yield, %
0.78%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
11m
-5.99%
Net income
-733k
L
CFO
2m
-26.88%
Dividend
Sep 12, 20240.04 USD/sh
Profile
Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | |||||
Revenues | 11,417 -5.99% | 12,145 19.83% | |||
Cost of revenue | 9,703 | 6,181 | |||
Unusual Expense (Income) | |||||
NOPBT | 1,714 | 5,964 | |||
NOPBT Margin | 15.01% | 49.11% | |||
Operating Taxes | (204) | 423 | |||
Tax Rate | 7.09% | ||||
NOPAT | 1,918 | 5,541 | |||
Net income | (733) -141.79% | 1,754 238.61% | |||
Dividends | (368) | ||||
Dividend yield | 0.85% | ||||
Proceeds from repurchase of equity | (2,199) | ||||
BB yield | 5.09% | ||||
| Debt | |||||
Debt current | 14,761 | ||||
Long-term debt | 61,423 | 62,840 | |||
Deferred revenue | 62,167 | ||||
Other long-term liabilities | 333,528 | (62,494) | |||
Net debt | (160,038) | (177,569) | |||
| Cash flow | |||||
Cash from operating activities | 2,288 | 3,129 | |||
CAPEX | (5,601) | (393) | |||
Cash from investing activities | (31,154) | (72,184) | |||
Cash from financing activities | 32,999 | 56,067 | |||
FCF | 59,393 | (146,004) | |||
| Balance | |||||
Cash | 13,060 | 120,190 | |||
Long term investments | 208,401 | 134,980 | |||
Excess cash | 220,890 | 254,563 | |||
Stockholders' equity | 24,217 | 27,117 | |||
Invested Capital | 427,827 | 200,377 | |||
ROIC | 0.61% | 3.02% | |||
ROCE | 0.38% | 2.62% | |||
| EV | |||||
Common stock shares outstanding | 3,063 | 3,028 | |||
Price | 14.12 -8.05% | 15.35 -0.97% | |||
Market cap | 43,227 -7.00% | 46,483 -0.11% | |||
EV | (116,811) | (131,086) | |||
EBITDA | 2,136 | 6,395 | |||
EV/EBITDA | |||||
Interest | 7,914 | 2,283 | |||
Interest/NOPBT | 461.73% | 38.28% | |||