Texas Community Bancshares, Inc. cash flow to debt ratio of 2.99% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Texas Community Bancshares, Inc.'s free cash flow has increased 31.49% from $740.00K last year to $973.00K, signaling increasing performance

Texas Community Bancshares, Inc.'s debt to equity ratio is 0.77, which means that the company's assets are unhealthy financed, signaling financial risk.

Texas Community Bancshares, Inc.'s debt has decreased relative to shareholder equity from 0.96 last year to 0.77 today, signaling strengthened financials

Texas Community Bancshares, Inc. has a net cash position, so leverage is healthy.

Texas Community Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Texas Community Bancshares, Inc.'s profit margin has increased (-288.24%) in the last year from -6.26% to 11.79%, signaling increasing performance

Texas Community Bancshares, Inc.'s short-term liabilities of $327.90M exceed its short-term assets of $52.58M, signaling financial risk

Texas Community Bancshares, Inc.'s return on assets of 0.71% is lower than the 5.00% threshold, indicating inefficient asset utilization

Texas Community Bancshares, Inc.'s return on equity of 5.66%, is lower than 15.00%, indicating bad performance

Texas Community Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Texas Community Bancshares, Inc. had positive net income in 3 out of 5 years, indicating stable and consistent earnings

Texas Community Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Texas Community Bancshares, Inc. has a free cash flow yield of 1.95%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Texas Community Bancshares, Inc.'s yearly earnings has increased -317.78% since last year from $-1.30M to $2.84M, signaling increasing performance

Texas Community Bancshares, Inc.'s yearly revenue has increased 7.94% since last year from $20.84M to $22.49M, signaling increasing performance

ROIC 3.08% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Texas Community Bancshares, Inc.'s 3-year revenue CAGR of 21.02% is positive, indicating growing revenue over the past 3 years

Texas Community Bancshares, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Texas Community Bancshares, Inc. had positive ROE in 3 out of 5 years, indicating consistent and reliable returns on equity

Texas Community Bancshares, Inc. has insufficient data to evaluate this check.

Texas Community Bancshares, Inc. has an earnings yield of 6.09%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Texas Community Bancshares, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Texas Community Bancshares, Inc. has an EV/EBITDA ratio of 11.26x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Texas Community Bancshares, Inc. has insufficient data to evaluate this check.

Texas Community Bancshares, Inc. has a PEG-ratio under 1 which is considered undervalued

Texas Community Bancshares, Inc. has a price-to-book ratio of 0.92x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Texas Community Bancshares, Inc. has a price-to-sales ratio of 1.94x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue