Texas Community Bancshares, Inc. (TCBS) P/E Ratio History
Deep ValueTrading at 17.8x · 8th percentile of 5-year range · Significant discount to historical valuation · Data 2021–2026
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P/E Ratio Analysis
As of June 29, 2026, Texas Community Bancshares, Inc. (TCBS) trades at a price-to-earnings ratio of 17.8x, with a stock price of $17.80 and trailing twelve-month earnings per share of $1.05.
The current P/E is 84% below its 5-year average of 109.7x. Over the past five years, TCBS's P/E has ranged from a low of 16.7x to a high of 493.7x, placing the current valuation at the 8th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.2x, TCBS trades at a 25% premium to its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 157.7x.
The PEG ratio of 0.40 (P/E divided by 327% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, TCBS trades at a notable discount to the S&P 500 median P/E of 25.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our TCBS DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
TCBS Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
TCBS P/E vs Peers
Community and retail regional banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $1B | 15.3 | - | -22% | |
| $5B | 19.9 | 4.42 | +13% | |
| $2B | 14.5 | 1.27 | +7% | |
| $280M | 10.4Lowest | 1.61 | +38% | |
| $3B | 14.9 | 2.12 | +13% | |
| $1B | 15.1 | 1.73 | +58% | |
| $2B | 12.7 | 0.83 | +21% | |
| $463M | 10.8 | 0.64Best | -7% | |
| $20B | 51.4 | 2.11 | -47% | |
| $766M | 10.8 | 1.14 | +231%Best |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
TCBS Historical P/E Data (2021–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $17.51 | $1.05 | 16.7x | -85% |
| FY2025 Q4 | Dec 31 2025 | $17.97 | $0.98 | 18.3x | -83% |
| FY2025 Q3 | - | $16.17 | $0.86 | 18.8x | -83% |
| FY2025 Q2 | Jun 30 2025 | $16.05 | $0.79 | 20.3x | -81% |
| FY2025 Q1 | Mar 31 2025 | $16.00 | $0.68 | 23.5x | -79% |
| FY2023 Q2 | Jun 30 2023 | $12.14 | $0.03 | 404.7x | +269% |
| FY2023 Q1 | Mar 31 2023 | $13.66 | $0.12 | 113.8x | +4% |
| FY2022 Q4 | Dec 31 2022 | $15.35 | $0.58 | 26.5x | -76% |
| FY2022 Q3 | Sep 30 2022 | $15.52 | $0.55 | 28.5x | -74% |
| FY2022 Q2 | - | $16.47 | $0.30 | 55.8x | -49% |
| FY2022 Q1 | - | $18.98 | $0.21 | 89.1x | -19% |
| FY2021 Q4 | Dec 31 2021 | $15.50 | $0.13 | 115.8x | +6% |
| FY2021 Q3 | - | $15.70 | $0.03 | 493.7x | +350% |
Average P/E for displayed period: 109.7x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
5+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
TCBS — Frequently Asked Questions
Quick answers to the most common questions about buying TCBS stock.
What is TCBS's P/E ratio?
Texas Community Bancshares, Inc. (TCBS) trailing twelve-month P/E ratio is 17.8x, based on TTM diluted EPS of $1.05. The 5-year average P/E is 109.7x and the historical range spans 16.7x to 493.7x.
Is TCBS stock overvalued or undervalued?
TCBS trades at 17.8x P/E, below its 5-year average of 109.7x. At the 8th percentile of its historical range (16.7x–493.7x), the stock is priced at a discount to its own history.
Is TCBS stock expensive?
No, TCBS is not expensive on a historical basis. The current P/E of 17.8x is below the 5-year average of 109.7x and sits at the 8th percentile of its valuation range.
What is TCBS's historical P/E range?
Over the past 5 years, TCBS's P/E ratio has ranged from 16.7x to 493.7x, with a median of 28.5x and an average of 109.7x. The current P/E of 17.8x places the stock at the 8th percentile of this range. Full historical data spans 2021–2026.
How does TCBS's P/E compare to the S&P 500?
TCBS trades at 17.8x P/E versus the S&P 500 median of 25.3x. The 30% discount to the market suggests lower growth expectations or perceived higher risk.
How does TCBS's valuation compare to Financial Services peers?
Texas Community Bancshares, Inc. P/E of 17.8x compares to the Financial Services sector median of 14.2x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is TCBS's PEG ratio?
TCBS PEG ratio is 0.40, based on a P/E of 17.8x and EPS growth of 327.3%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is TCBS's earnings yield?
TCBS earnings yield is 5.62%, the inverse of its 17.8x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.