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TCBS

Texas Community BancsharesC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
NIM expansion and stable deposits drive earnings upgrades and multiple expansion toward regional-bank peers, supporting the bull target.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Deposit outflows or concentration-driven liquidity stress
Momentum
31
Value
55
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $16.70 · Bull $20.67 · Bear $12.72Analysis 2025-11-04; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2025-11-04 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum31 · Δ7d -
Value55 · Δ7d +5.8
Sentiment59 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Deposit outflows or concentration-driven liquidity stress
  • • Localized loan losses (CRE/energy) forcing higher reserves
  • • Sustained deposit losses or rising loan reserves compress NIM and EPS, triggering multiple contraction toward the bear target.

Catalyst clock

No dated catalyst is available.

Quarterly earnings release / results surprise

Lead driver: Sentiment · See AI snapshot
Momentum
31
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
55
28% active weight
Current posture
7d trendImproving
Δ7d
+5.8
Δ21d
+5.8
Sentiment
59
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 30.9 / Value 55.2 / Sentiment 59.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2025-11-04. Scenario method

B+
Bull case
20%
Probability
Target price
$20.67
Analysis reference price unavailable
Analysis 2025-11-04 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$16.70
Analysis reference price unavailable
Analysis 2025-11-04 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$12.72
Analysis reference price unavailable
Analysis 2025-11-04 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$50.01M
Beta
0.05
Shares Out
2.87M
P/E (TTM)
20.2
P/S (TTM)
3.23
P/FCF (TTM)
211.98
Rev YoY
+8.3%
EPS YoY
+52.5%
Gross Margin
-
Op Margin
+14.8%
Net Debt
$42.37M
Current Ratio
0.52
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data