公司概述
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB, which provides a comprehensive suite of loans and banking services to both consumer and commercial customers located in Mineola, Texas, the surrounding area, and the Dallas Fort Worth Metroplex. The company is situated within the Financial Services sector and specifically functions in the Banks - Regional industry, a classification that defines its operational scope as serving localized markets rather than national or global banking networks. As of the latest available data, the entity maintains a market capitalization of $48.94M and employs a workforce of 61 individuals to support its banking operations. With an annual revenue of $15.56M, the company's financial scale indicates a regional position that is neither a massive systemically important financial institution nor a micro-entity, but rather a mid-sized regional player with a specific geographic footprint in Texas.
财务健康
The company reported a trailing twelve-month revenue of $15.56M and a corresponding net income of $2.84M, while EBITDA figures are not disclosed in the available data. The substantial gap between the total revenue of $15.56M and the net income of $2.84M reveals a cost structure where non-interest expenses and provisions for loan losses consume approximately 81.7% of top-line revenue before reaching the bottom line. While the free cash flow metric is not reported, the company holds a cash balance of $11.96M, which suggests a significant liquidity buffer available for operational needs or strategic capital deployment. In terms of profitability margins, the gross margin is recorded at 0.0%, a standard characteristic for financial institutions where interest income and interest expense are netted in the calculation, leaving the operating margin at 24.6% and the profit margin at 18.3% to reflect true operational efficiency. The balance sheet shows total debt of $45.67M against a cash reserve of $11.96M, while the debt-to-equity ratio is not available, but the leverage position is evident given that debt exceeds cash holdings. The current ratio is not provided in the dataset, preventing a direct assessment of short-term liquidity coverage relative to immediate obligations. Return on Equity stands at 5.4% and Return on Assets is 0.7%, metrics that indicate the management's effectiveness in generating shareholder returns and utilizing the asset base to produce earnings within the competitive regional banking environment.
估值评估
The stock carries a trailing P/E ratio of 16.96, whereas the forward P/E is not available, a situation that implies analysts cannot currently project an earnings trajectory beyond the trailing twelve-month period or that future growth expectations are not being priced into a forward multiple. The price-to-book ratio is 0.85, which indicates that the market values the company at a discount relative to its tangible book value, suggesting that investors are not currently pricing in a significant premium for its franchise or regional advantages. Alternative valuation metrics include a price-to-sales ratio of 3.14, while the EV/EBITDA multiple is not available, meaning the valuation must be assessed primarily through revenue multiples given the absence of EBITDA data. Over the past year, the stock has traded between a 52-week high of $20.00 and a 52-week low of $15.01, providing a trading range of $4.99 within which the current share price fluctuates. The beta value is listed at 0.02, a figure that technically suggests extreme low volatility relative to the broader market, though such a low reading often reflects a data anomaly or extreme stability in a small-cap regional bank.
Growth & Income
Revenue growth year-over-year is recorded at 7.6%, while earnings growth for the same period is significantly higher at 69.6%, implying that the company's profitability is expanding at a much faster pace than its top-line revenue expansion. The company offers a dividend yield of 1.2% and maintains a payout ratio of 17.0%, indicating that the dividend payments are a small fraction of earnings and are highly sustainable given the current earnings growth rate. Since the payout ratio is so low at 17.0%, the company retains the majority of its earnings to reinvest into the business, expand lending portfolios, or strengthen capital reserves rather than distributing cash to shareholders. Overall, the growth and income profile presents a scenario of accelerating earnings growth supported by a conservative dividend policy, with revenue providing a steady but slower growth foundation for the business.