Texas Community Bancshares Stock Buy Hold or Sell Recommendation

TCBS Stock  USD 16.25  0.04  0.25%   
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Texas Community Bancshares is 'Cautious Hold'. A buy or sell recommendation is an automated directive regarding whether to purchase or sell Texas Community Bancshares given historical horizon and risk tolerance. When we issue a 'buy' or 'sell' recommendation for Texas Community Bancshares, the advice is generated through an automated system that utilizes algorithms and statistical models.
  
Check out Texas Community Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
Note, we conduct extensive research on individual companies such as Texas and provide practical buy, sell, or hold advice based on investors' constraints. Texas Community Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

Execute Texas Community Buy or Sell Advice

The Texas recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Texas Community Bancshares. Macroaxis does not own or have any residual interests in Texas Community Bancshares or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Texas Community's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Texas CommunityBuy Texas Community
Cautious Hold

Market Performance

OKDetails

Volatility

Not too volatileDetails

Hype Condition

Over hypedDetails

Current Valuation

OvervaluedDetails

Odds Of Distress

Quite HighDetails

Economic Sensitivity

Moves indifferently to market movesDetails

Investor Sentiment

AlarmedDetails

Analyst Consensus

Not AvailableDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

Not RatedDetails

Reporting Quality (M-Score)

Unlikely ManipulatorDetails
For the selected time horizon Texas Community Bancshares has a Mean Deviation of 0.9865, Semi Deviation of 1.29, Standard Deviation of 1.52, Variance of 2.3, Downside Variance of 2.33 and Semi Variance of 1.67
Our advice tool can cross-verify current analyst consensus on Texas Community and to analyze the firm potential to grow in the current economic cycle. To make sure Texas Community Banc is not overpriced, please validate all Texas Community fundamentals, including its cash and equivalents, as well as the relationship between the short ratio and total asset . Given that Texas Community Banc has a shares owned by institutions of 8.86 %, we advise you to double-check Texas Community Bancshares market performance and probability of bankruptcy to ensure the company can sustain itself in the current economic cycle given your current risk tolerance and investing horizon.

Texas Community Trading Alerts and Improvement Suggestions

Texas Community Banc has high likelihood to experience some financial distress in the next 2 years
The company reported the previous year's revenue of 11.06 M. Net Loss for the year was (733 K) with profit before overhead, payroll, taxes, and interest of 9.86 M.
About 39.0% of the company outstanding shares are owned by corporate insiders
Latest headline from news.google.com: Texas Community Bancshares, Inc. Authorizes New Stock Repurchase Program - GuruFocus.com

Texas Community Returns Distribution Density

The distribution of Texas Community's historical returns is an attempt to chart the uncertainty of Texas Community's future price movements. The chart of the probability distribution of Texas Community daily returns describes the distribution of returns around its average expected value. We use Texas Community Bancshares price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Texas Community returns is essential to provide solid investment advice for Texas Community.
Mean Return
0.14
Value At Risk
-2.44
Potential Upside
2.43
Standard Deviation
1.52
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Texas Community historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Texas Stock Institutional Investors

The Texas Community's institutional investors refer to entities that pool money to purchase Texas Community's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
Shares
Alliancebernstein L.p.2024-12-31
147.6 K
Oppenheimer & Close Inc2024-12-31
54.5 K
Vanguard Group Inc2024-12-31
41.1 K
Geode Capital Management, Llc2024-12-31
14 K
Northern Trust Corp2024-12-31
12.5 K
Blackrock Inc2024-12-31
5.7 K
Tower Research Capital Llc2024-12-31
417
Ubs Group Ag2024-12-31
297
Bank Of America Corp2024-12-31
18.0
Morgan Stanley - Brokerage Accounts2024-12-31
1.0
Royal Bank Of Canada2024-09-30
0.0
Note, although Texas Community's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Texas Community Cash Flow Accounts

202020212022202320242025 (projected)
Investments7.4M(45.6M)(72.2M)(60.2M)(54.2M)(56.9M)
Change In Cash2.5M13.8M(13.0M)4.1M4.8M5.0M
Free Cash Flow1.1M1.6M2.7M(3.3M)(3.0M)(2.8M)
Depreciation430.5K437K431K422K379.8K343.2K
Other Non Cash Items(121.0K)382K477K1.9M2.1M2.2M
Capital Expenditures806.1K137K393K5.6M6.4M6.8M
Net Income748.9K518K1.8M(733K)(659.7K)(626.7K)
End Period Cash Flow8.1M21.9M8.9M13.1M15.0M12.7M

Texas Community Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Texas Community or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Texas Community's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Texas stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over Dow Jones
0.13
β
Beta against Dow Jones-0.04
σ
Overall volatility
1.59
Ir
Information ratio 0.18

Texas Community Volatility Alert

Texas Community Bancshares has relatively low volatility with skewness of 0.03 and kurtosis of 3.27. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Texas Community's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Texas Community's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.

Texas Community Fundamentals Vs Peers

Comparing Texas Community's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Texas Community's direct or indirect competition across all of the common fundamentals between Texas Community and the related equities. This way, we can detect undervalued stocks with similar characteristics as Texas Community or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Texas Community's fundamental indicators could also be used in its relative valuation, which is a method of valuing Texas Community by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Texas Community to competition
FundamentalsTexas CommunityPeer Average
Return On Equity-0.0407-0.31
Return On Asset-0.0049-0.14
Profit Margin(0.22) %(1.27) %
Operating Margin0.17 %(5.51) %
Current Valuation89.73 M16.62 B
Shares Outstanding3.12 M571.82 M
Shares Owned By Insiders38.65 %10.09 %
Shares Owned By Institutions8.86 %39.21 %
Number Of Shares Shorted4.57 K4.71 M
Price To Earning229.26 X28.72 X
Price To Book0.96 X9.51 X
Price To Sales5.15 X11.42 X
Revenue11.06 M9.43 B
Gross Profit9.86 M27.38 B
EBITDA422 K3.9 B
Net Income(733 K)570.98 M
Cash And Equivalents25.85 M2.7 B
Cash Per Share8.57 X5.01 X
Total Debt76.9 M5.32 B
Book Value Per Share18.02 X1.93 K
Cash Flow From Operations2.29 M971.22 M
Short Ratio1.36 X4.00 X
Earnings Per Share(0.73) X3.12 X
Number Of Employees6218.84 K
Beta-0.012-0.15
Market Capitalization50.75 M19.03 B
Total Asset452.04 M29.47 B
Retained Earnings31.97 M9.33 B
Annual Yield0.01 %
Net Asset452.04 M
Last Dividend Paid0.15
Note: Acquisition by Thurman Glen of tradable shares of Texas Community at 13.7 subject to Rule 16b-3 [view details]

Texas Community Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Texas . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About Texas Community Buy or Sell Advice

When is the right time to buy or sell Texas Community Bancshares? Buying financial instruments such as Texas Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.

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Additional Tools for Texas Stock Analysis

When running Texas Community's price analysis, check to measure Texas Community's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Texas Community is operating at the current time. Most of Texas Community's value examination focuses on studying past and present price action to predict the probability of Texas Community's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Texas Community's price. Additionally, you may evaluate how the addition of Texas Community to your portfolios can decrease your overall portfolio volatility.