Texas Community Bancshares (TCBS)
Market Price (3/7/2026): $16.75 | Market Cap: $46.4 MilSector: Financials | Industry: Regional Banks
Texas Community Bancshares (TCBS)
Market Price (3/7/2026): $16.75Market Cap: $46.4 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.6% | Weak multi-year price returns2Y Excs Rtn is -7.9%, 3Y Excs Rtn is -61% | Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 40x |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -44% | Key risksTCBS key risks include [1] deteriorating asset quality, Show more. | |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 53% | ||
| Low stock price volatilityVol 12M is 23% | ||
| Megatrend and thematic driversMegatrends include Community Banking & Local Economy. Themes include Local Business Lending, Residential Mortgage Origination, and Local Deposit Gathering. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.6% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -44% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 53% |
| Low stock price volatilityVol 12M is 23% |
| Megatrend and thematic driversMegatrends include Community Banking & Local Economy. Themes include Local Business Lending, Residential Mortgage Origination, and Local Deposit Gathering. |
| Weak multi-year price returns2Y Excs Rtn is -7.9%, 3Y Excs Rtn is -61% |
| Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 40x |
| Key risksTCBS key risks include [1] deteriorating asset quality, Show more. |
Qualitative Assessment
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Texas Community Bancshares (TCBS) stock has gained about 5% since 11/30/2025 because of the following key factors:
1. Positive Outlook for Regional Banks and Strong 2025 Industry Performance.
Regional banks, including Texas Community Bancshares, benefited from a positive outlook for 2026, with analysts anticipating a market rally due to factors such as a steeper yield curve, accelerating loan growth, and a more favorable regulatory environment. This sentiment was bolstered by the overall banking industry's strong performance in 2025, where full-year net income increased by 10.2% from 2024, and community banks, specifically, saw their full-year net income rise by 22.5% year-over-year.
2. Solid Company-Specific Financial Results.
Texas Community Bancshares demonstrated solid financial performance, with its Q3 2025 net income reaching $680K, representing a 0.3% increase from the prior quarter. Furthermore, the company's free cash flow experienced a significant surge, increasing by 88.8% quarter-over-quarter to $1.6 million in Q3 2025. The company also reported holding $12.2 million in cash and equivalents against no long-term debt as of Q3 2025.
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1. Positive Outlook for Regional Banks and Strong 2025 Industry Performance.
Regional banks, including Texas Community Bancshares, benefited from a positive outlook for 2026, with analysts anticipating a market rally due to factors such as a steeper yield curve, accelerating loan growth, and a more favorable regulatory environment. This sentiment was bolstered by the overall banking industry's strong performance in 2025, where full-year net income increased by 10.2% from 2024, and community banks, specifically, saw their full-year net income rise by 22.5% year-over-year.
2. Solid Company-Specific Financial Results.
Texas Community Bancshares demonstrated solid financial performance, with its Q3 2025 net income reaching $680K, representing a 0.3% increase from the prior quarter. Furthermore, the company's free cash flow experienced a significant surge, increasing by 88.8% quarter-over-quarter to $1.6 million in Q3 2025. The company also reported holding $12.2 million in cash and equivalents against no long-term debt as of Q3 2025.
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Stock Movement Drivers
Fundamental Drivers
The 3.4% change in TCBS stock from 11/30/2025 to 3/6/2026 was primarily driven by a 3.4% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.00 | 16.55 | 3.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 16 | 16 | 0.0% |
| Net Income Margin (%) | 15.9% | 15.9% | 0.0% |
| P/E Multiple | 17.6 | 18.2 | 3.4% |
| Shares Outstanding (Mil) | 3 | 3 | 0.0% |
| Cumulative Contribution | 3.4% |
Market Drivers
11/30/2025 to 3/6/2026| Return | Correlation | |
|---|---|---|
| TCBS | 3.4% | |
| Market (SPY) | -1.6% | 14.7% |
| Sector (XLF) | -5.2% | 7.6% |
Fundamental Drivers
The 2.4% change in TCBS stock from 8/31/2025 to 3/6/2026 was primarily driven by a 4.3% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 8312025 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.17 | 16.55 | 2.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 15 | 16 | 4.3% |
| Net Income Margin (%) | 15.5% | 15.9% | 2.6% |
| P/E Multiple | 19.4 | 18.2 | -6.4% |
| Shares Outstanding (Mil) | 3 | 3 | 2.1% |
| Cumulative Contribution | 2.4% |
Market Drivers
8/31/2025 to 3/6/2026| Return | Correlation | |
|---|---|---|
| TCBS | 2.4% | |
| Market (SPY) | 4.5% | 15.5% |
| Sector (XLF) | -6.0% | 9.4% |
Fundamental Drivers
The -0.8% change in TCBS stock from 2/28/2025 to 3/6/2026 was primarily driven by a -38.7% change in the company's P/S Multiple.| (LTM values as of) | 2282025 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.68 | 16.55 | -0.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 10 | 16 | 52.6% |
| P/S Multiple | 4.7 | 2.9 | -38.7% |
| Shares Outstanding (Mil) | 3 | 3 | 6.0% |
| Cumulative Contribution | -0.8% |
Market Drivers
2/28/2025 to 3/6/2026| Return | Correlation | |
|---|---|---|
| TCBS | -0.8% | |
| Market (SPY) | 14.2% | 5.0% |
| Sector (XLF) | -2.1% | 2.8% |
Fundamental Drivers
The 9.1% change in TCBS stock from 2/28/2023 to 3/6/2026 was primarily driven by a 36.7% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282023 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.17 | 16.55 | 9.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 12 | 16 | 36.7% |
| Net Income Margin (%) | 14.0% | 15.9% | 12.9% |
| P/E Multiple | 28.2 | 18.2 | -35.4% |
| Shares Outstanding (Mil) | 3 | 3 | 9.4% |
| Cumulative Contribution | 9.1% |
Market Drivers
2/28/2023 to 3/6/2026| Return | Correlation | |
|---|---|---|
| TCBS | 9.1% | |
| Market (SPY) | 76.0% | 4.7% |
| Sector (XLF) | 48.0% | 3.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| TCBS Return | 3% | -1% | -7% | 9% | 19% | -7% | 14% |
| Peers Return | 30% | -12% | -6% | 26% | 1% | 8% | 48% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| TCBS Win Rate | 50% | 50% | 58% | 67% | 58% | 33% | |
| Peers Win Rate | 65% | 38% | 48% | 53% | 52% | 47% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| TCBS Max Drawdown | -1% | -3% | -36% | -6% | -1% | -10% | |
| Peers Max Drawdown | -0% | -22% | -31% | -13% | -17% | -0% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SBSI, TCBX, STEL, FFIN, CFR.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/6/2026 (YTD)
How Low Can It Go
| Event | TCBS | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -48.4% | -25.4% |
| % Gain to Breakeven | 94.0% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
Compare to SBSI, TCBX, STEL, FFIN, CFR
In The Past
Texas Community Bancshares's stock fell -48.4% during the 2022 Inflation Shock from a high on 3/29/2022. A -48.4% loss requires a 94.0% gain to breakeven.
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About Texas Community Bancshares (TCBS)
Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.
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- JPMorgan Chase for Texas communities.
- A local Bank of America, focused on Texas towns.
- A neighborhood Wells Fargo for Texas small businesses and families.
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Major Products and Services of Texas Community Bancshares (TCBS)
- Checking and Savings Accounts: Offers various deposit accounts for individuals and businesses, including checking, savings, money market, and certificates of deposit.
- Real Estate Loans: Provides financing for residential mortgages and commercial real estate properties.
- Commercial and Industrial Loans: Extends credit to businesses for operating expenses, equipment purchases, and expansion.
- Consumer Loans: Offers personal loans for a variety of individual needs, such as auto loans or unsecured lines of credit.
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Texas Community Bancshares (TCBS) is a bank holding company for Community National Bank & Trust of Texas. As a community bank, it primarily provides financial services to individuals and businesses within its operational footprint, rather than selling to a few major corporate customers.
The company serves the following categories of customers:
- Individuals and Households: This category includes consumers seeking personal banking services such as checking and savings accounts, certificates of deposit, residential mortgages, home equity loans, and various consumer loans.
- Small to Medium-sized Businesses: This category comprises local businesses that utilize commercial loans, lines of credit, business checking and savings accounts, and treasury management services to support their operations and growth.
- Commercial Real Estate Investors and Developers: This category includes individuals and entities seeking financing for the acquisition, development, and construction of commercial properties, such as retail centers, office buildings, multi-family residences, and industrial facilities.
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Jason Sobel, President, Chief Executive Officer and Director
Mr. Sobel has served as President, CEO & Director at Mineola Community Bank SSB and Texas Community Bancshares Inc. since November 21, 2023. He is also the Chief Executive Officer and President of Broadstreet Bank. Mr. Sobel earned a Master's Degree in Business Administration from Southern Illinois University, concurrently beginning his career in banking. He joined Broadstreet Bank in 2023 and is recognized for his strong leadership skills and extensive knowledge of the banking industry.
Julie Sharff, C.P.A., Principal Accounting Officer; Senior Vice President and Chief Financial Officer
Ms. Sharff serves as the Chief Financial Officer of Texas Community Bancshares and also holds the titles of Principal Accounting Officer and Senior Vice President of Mineola Community Bank.
Haskell Strange, Senior Vice President and Chief Operating Officer
Mr. Strange is the Senior Vice President and Chief Operating Officer of Texas Community Bancshares and also serves as the Senior Vice President and Chief Operating Officer of Mineola Community Bank.
Sheree A. Mize, Corporate Secretary
Ms. Mize serves as the Corporate Secretary for Texas Community Bancshares.
Sofia Gurrusquieta, Senior Accounting Officer and CRA Officer
Ms. Gurrusquieta is the Senior Accounting Officer and CRA Officer for Texas Community Bancshares.
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The key risks to Texas Community Bancshares (TCBS) are primarily centered around its lending activities and the broader economic environment for community banks.1. Asset Quality and Credit Risk
Texas Community Bancshares faces significant risks related to the deterioration of its asset quality and overall credit risk. Evidence suggests a rise in nonaccrual loans, which reached 3.58% of total loans in Q2 2025, alongside an increase in Other Real Estate Owned (OREO) to $9.27 million in Q3 2025, both requiring management attention. Furthermore, Texas community banks, including TCBS, are particularly exposed to commercial real estate (CRE) loans, a sector facing challenges, especially concerning offices and hotels. Fluctuations in real estate values and market conditions in both residential and commercial real estate directly impact the demand for loans and the potential for increased delinquencies and write-offs.
2. Interest Rate Risk
As a community bank, Texas Community Bancshares' primary lending operations historically involve fixed-rate residential mortgage loans, making it vulnerable to changes in market interest rates. An environment of inflation and fluctuating interest rates can reduce profit margins and yields, affect mortgage banking revenues, impact the fair value of investment securities, and potentially increase defaults and losses on loans. The company's future outlook hinges on its ability to manage these asset quality and interest rate risks effectively.
3. Liquidity Risk
Liquidity access is a top concern for Texas banks. The broader banking sector has experienced tighter liquidity due to stagnating deposits and fewer funding options, particularly following the bank stress events of spring 2023. While Texas community banks have shown resilience, the challenge of maintaining sufficient liquidity persists, with competition for deposits and the expiration of programs like the Bank Term Funding Program adding to concerns.
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The clear emerging threats for Texas Community Bancshares (TCBS) include:
- The rise of digital-first neobanks and fintech companies that offer highly convenient, often lower-cost, and technologically superior alternatives for banking services, attracting customers who might otherwise use traditional community banks.
- The increasing foray of major technology companies (e.g., Apple, Google, Amazon) into financial services, leveraging their vast user bases and technological capabilities to offer competitive financial products.
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Texas Community Bancshares (TCBS) operates as a community-focused financial institution primarily within Texas, offering a range of banking products and services. Its main offerings include retail banking, commercial banking, mortgage and lending services, and wealth management. The addressable markets for these services are primarily within the state of Texas.
Addressable Market Sizes:
- Commercial Banking: The commercial banking industry in Texas has an estimated market size of $108.7 billion in 2025. This market has experienced an average annual growth rate of 7.2% from 2020 to 2025. Globally, the commercial lending market, a key component of commercial banking, was valued at $8,823.53 billion in 2020 and is projected to reach $29,379.83 billion by 2030. The U.S. commercial banking market size is USD 732.5 billion in 2025 and is expected to reach USD 915.45 billion by 2030.
- Mortgage and Lending Services (Residential Mortgage Loans): The Texas residential mortgage market saw approximately $147 billion in home loan volume originated in 2024. However, the number and dollar amount of residential mortgage loans significantly declined in Texas from calendar year 2022 to 2023.
- Community Banking (Overall Market Context): While TCBS operates as a community bank within Texas, broader market data for community banking is available at the U.S. and global levels. The U.S. community banking market was valued at USD 6.35 billion in 2024, with a projected compound annual growth rate (CAGR) of 3.8%. Another estimate places the U.S. community banking market at $19.39 billion in 2025, growing from $17.79 billion in 2024, at a CAGR of 9.0%. The North American community banking market, which includes the U.S., held a dominant market position, capturing over 40% of the global community banking market share in 2024.
- Retail Banking, Consumer Loans (excluding mortgages), and Wealth Management: Specific market size data for these individual products solely for the region of Texas is not available in the provided search results.
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Texas Community Bancshares (NASDAQ: TCBS) is expected to drive future revenue growth over the next two to three years through several key strategies, as indicated by recent company statements and financial reports:- Increased Focus on Higher-Yielding Commercial Loans and Relationships: The company is actively repositioning its balance sheet by redeploying capital from residential loan sales into higher-yielding commercial loans. This strategic shift is intended to balance the loan portfolio and foster growth in commercial relationships, contributing to increased net interest income.
- Expansion of Net Interest Margin (NIM) through Optimized Loan and Deposit Pricing: Texas Community Bancshares is committed to a continuous focus on loan and deposit pricing strategies to expand its net interest margin. This proactive management of interest rates on both assets and liabilities is a stated driving force for increased earnings.
- Investment in and Launch of New Technology-Driven Products and Services: The bank has significantly invested in new technology and products to enhance customer experience and expand its offerings. This includes the introduction of an automated consumer loan process, online account opening, online mortgage products, deposit-taking ATMs, new Treasury Management products, and one-time-close home improvement loans. These initiatives aim to attract new customers and grow existing relationships.
- Growth in Deposit Balances: An increase in deposit balances, including additional brokered deposits, has been observed, with a continued focus on attracting more deposits through initiatives like deposit-taking ATMs and online account opening. A growing and stable deposit base is crucial for funding lending activities and overall revenue generation for a bank.
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Share Repurchases
- On February 27, 2025, Texas Community Bancshares authorized a new stock repurchase program for up to 153,083 shares, representing approximately 5% of its outstanding common stock. At that time, over 85% of the prior program's 161,316 authorized shares had been repurchased.
- A second repurchase program for 161,316 shares was authorized on November 9, 2023, following the completion of an earlier program that repurchased 164,842 shares.
- As of November 7, 2025, the company had repurchased 146,500 shares year-to-date, including 62,000 shares in the third quarter of 2025.
Share Issuance
- In connection with its conversion to a stock holding company on July 14, 2021, Texas Community Bancshares issued 3,257,759 shares of common stock at a price of $10.00 per share.
Capital Expenditures
- The company is investing in technology and new products, such as automated consumer loans, online account opening, and mortgage products.
- As of December 31, 2024, current facilities were deemed adequate to meet present and foreseeable needs, with potential for future expansion.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Texas Community Bancshares Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
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| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 02282026 | NDAQ | Nasdaq | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 02272026 | JEF | Jefferies Financial | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 02272026 | PAYO | Payoneer Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | FOUR | Shift4 Payments | Dip Buy | DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow YieldBuying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02202026 | COIN | Coinbase Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 2.6% | 2.6% | -6.5% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 33.78 |
| Mkt Cap | 1.4 |
| Rev LTM | 330 |
| Op Inc LTM | - |
| FCF LTM | 83 |
| FCF 3Y Avg | 103 |
| CFO LTM | 95 |
| CFO 3Y Avg | 112 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.6% |
| Rev Chg 3Y Avg | 11.7% |
| Rev Chg Q | 10.3% |
| QoQ Delta Rev Chg LTM | 2.5% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 21.9% |
| CFO/Rev 3Y Avg | 29.1% |
| FCF/Rev LTM | 20.9% |
| FCF/Rev 3Y Avg | 25.8% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.4 |
| P/S | 3.9 |
| P/EBIT | - |
| P/E | 15.1 |
| P/CFO | 16.9 |
| Total Yield | 9.4% |
| Dividend Yield | 2.0% |
| FCF Yield 3Y Avg | 7.3% |
| D/E | 0.1 |
| Net D/E | -0.9 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -6.2% |
| 3M Rtn | 2.3% |
| 6M Rtn | 2.2% |
| 12M Rtn | 8.5% |
| 3Y Rtn | 13.8% |
| 1M Excs Rtn | -4.1% |
| 3M Excs Rtn | 3.8% |
| 6M Excs Rtn | -2.1% |
| 12M Excs Rtn | -7.5% |
| 3Y Excs Rtn | -60.0% |
Price Behavior
Price Behavior
| Market Price | $16.55 | |
| Market Cap ($ Bil) | 0.0 | |
| First Trading Date | 07/16/2021 | |
| Distance from 52W High | -8.6% | |
| 50 Days | 200 Days | |
| DMA Price | $16.85 | $15.69 |
| DMA Trend | up | up |
| Distance from DMA | -1.8% | 5.5% |
| 3M | 1YR | |
| Volatility | 38.5% | 25.0% |
| Downside Capture | 21.56 | 11.82 |
| Upside Capture | 48.19 | 9.29 |
| Correlation (SPY) | 13.3% | 4.0% |
TCBS Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.03 | 0.20 | 0.45 | 0.31 | 0.08 | 0.09 |
| Up Beta | 0.11 | -0.11 | -0.25 | -0.17 | 0.02 | -0.04 |
| Down Beta | 0.06 | 0.44 | 0.49 | 0.21 | 0.05 | 0.20 |
| Up Capture | -57% | -1% | 73% | 44% | 11% | 3% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 8 | 17 | 26 | 51 | 109 | 306 |
| Down Capture | 46% | 39% | 50% | 53% | 20% | 24% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 8 | 16 | 26 | 47 | 96 | 279 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TCBS | |
|---|---|---|---|---|
| TCBS | 15.8% | 25.4% | 0.75 | - |
| Sector ETF (XLF) | 1.8% | 19.4% | -0.03 | 0.4% |
| Equity (SPY) | 16.4% | 19.2% | 0.66 | 1.1% |
| Gold (GLD) | 77.1% | 26.1% | 2.17 | -0.8% |
| Commodities (DBC) | 19.6% | 17.1% | 0.89 | -5.3% |
| Real Estate (VNQ) | 3.1% | 16.6% | 0.01 | -13.8% |
| Bitcoin (BTCUSD) | -21.4% | 45.5% | -0.39 | -11.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TCBS | |
|---|---|---|---|---|
| TCBS | 13.9% | 30.5% | 0.65 | - |
| Sector ETF (XLF) | 10.5% | 18.7% | 0.44 | 8.8% |
| Equity (SPY) | 13.0% | 17.0% | 0.60 | 11.0% |
| Gold (GLD) | 24.2% | 17.2% | 1.14 | -2.9% |
| Commodities (DBC) | 11.9% | 19.0% | 0.51 | -3.0% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 6.6% |
| Bitcoin (BTCUSD) | 7.5% | 56.8% | 0.35 | -1.8% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TCBS | |
|---|---|---|---|---|
| TCBS | 6.7% | 30.5% | 0.65 | - |
| Sector ETF (XLF) | 13.4% | 22.2% | 0.56 | 8.8% |
| Equity (SPY) | 15.0% | 17.9% | 0.72 | 11.0% |
| Gold (GLD) | 15.1% | 15.6% | 0.80 | -2.9% |
| Commodities (DBC) | 9.0% | 17.6% | 0.43 | -3.0% |
| Real Estate (VNQ) | 6.1% | 20.7% | 0.26 | 6.6% |
| Bitcoin (BTCUSD) | 66.7% | 66.8% | 1.06 | -1.8% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 8/1/2025 | -1.0% | -0.7% | 1.9% |
| 5/1/2025 | 1.2% | 1.9% | 6.2% |
| 5/13/2024 | -1.5% | -3.0% | 0.7% |
| 2/23/2024 | -2.7% | -2.1% | 4.2% |
| SUMMARY STATS | |||
| # Positive | 1 | 1 | 4 |
| # Negative | 3 | 3 | 0 |
| Median Positive | 1.2% | 1.9% | 3.0% |
| Median Negative | -1.5% | -2.1% | |
| Max Positive | 1.2% | 1.9% | 6.2% |
| Max Negative | -2.7% | -3.0% | |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/13/2025 | 10-Q |
| 12/31/2024 | 03/27/2025 | 10-K |
| 09/30/2024 | 11/13/2024 | 10-Q |
| 06/30/2024 | 08/13/2024 | 10-Q |
| 03/31/2024 | 05/14/2024 | 10-Q |
| 12/31/2023 | 03/27/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/10/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/30/2023 | 10-K |
| 09/30/2022 | 11/14/2022 | 10-Q |
| 06/30/2022 | 08/10/2022 | 10-Q |
| 03/31/2022 | 05/13/2022 | 10-Q |
| 12/31/2021 | 03/23/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Sobel, Jason | President and CEO | Direct | Sell | 6042025 | 15.58 | 1,615 | 25,167 | 316,181 | Form |
| 2 | Mize, Sheree A | Corporate Secretary | Direct | Sell | 5302025 | 15.75 | 1,303 | 20,522 | 219,067 | Form |
| 3 | Sharff, Julie | Chief Financial Officer | Direct | Sell | 5302025 | 15.75 | 2,127 | 33,500 | 198,450 | Form |
| 4 | Strange, Haskell | SVP and COO | Direct | Sell | 5302025 | 15.75 | 1,289 | 20,302 | 103,698 | Form |
| 5 | Sherrill, Johnny | Direct | Buy | 5082025 | 15.62 | 600 | 9,375 | 841,516 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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