Oversold

TCBS

Valuation82/ 100
Cash flow & growth68/ 100
Upside potential36/ 100
Risk potential25/ 100

TCBS's valuation is historically cheap and fundamentals are above averages.

Score change since last week

The score rose 9 points, mainly due to valuation and price changes. Price rose 1.1%, from $17.31 to $17.50.

Valuation and price changes added 9.0 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Historical cheapness: current PE is 15× versus the full-history median of 27.9× shown in the valuation table, producing 83.4/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 81.5/100. The model applies a 3.9% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 19.2× (18-month half-life). The favorable scenario uses 16.1× PE and $1.4 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are strong. Over the past year: revenue +5.9%, earnings +48.1%, operating margin +3.6 percentage points. The business score is 68.4/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Stronger earnings and valuation could support a higher share price.

Our favorable case uses $1.35 of EPS and a 16.1× PE, suggesting a share price of about $21.77 — 24% above today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $0.91 of EPS and a 14.5× PE, suggesting a share price of about $13.17 — 25% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

TCBS vs Historical averages

MetricCurrentAverageRelative
PE15x117x87% lower
PE percentile1.15098% lower
EPS$1.17$0.18548% higher
FCF$4.7M$506.7K826% higher
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TCBS’s earnings and cash flow are above their historical averages, while its earnings multiple is lower.

TCBS Forward outlook

MetricOutlook
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TCBS PE Valuation

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This table applies TCBS's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

TCBS Earnings Per Share

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This chart tracks TCBS's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

TCBS Quarterly Revenue

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This chart tracks TCBS's quarterly revenue over time and shows how sales are changing from year to year.

TCBS Free Cash Flow

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This chart tracks TCBS's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

TCBS Total Shares

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This chart tracks changes in TCBS's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

TCBS Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

TCBS PE vs Financial Services Sector

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This chart compares TCBS's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

TCBS Weekly Price

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This chart uses TCBS's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

TCBS Weekly Moving Averages

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This chart compares TCBS's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

TCBS Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.