Is TCBS or TMP more undervalued in 2026?

CirclFi compares Texas Community Bancshares, Inc (TCBS) and Tompkins Financial Corporation (TMP) using 13 institutional-grade valuation models. TCBS has a Quality of Company score of 8.5/10 while TMP scores 8.6/10.

Which is a better buy — TCBS or TMP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do TCBS and TMP valuations compare?

TCBS at $16.85 and TMP at $86.52 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TCBS vs TMP Valuation Comparison 2026 — Intrinsic Value Analysis

TCBS

Banks - Regional

Texas Community Bancshares, Inc

Quality

8.5

out of 10

Value Trap

—

Price

$16.85

Last close

Models

10/13

Active

TMP

Banks - Regional

Tompkins Financial Corporation

Quality

8.6

out of 10

Value Trap

SAFE

Price

$86.52

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	TCBS Fair Value	TCBS Upside	TMP Fair Value	TMP Upside
Bayesian DCF	Intrinsic	$4.75	-71.8%	$3.22	-96.3%
Earnings Power Value	Intrinsic	$9.95	-40.9%	$55.72	-34.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TCBS vs TMP — Which Stock Is More Undervalued?

TMP scores higher with a 8.6/10 quality rating vs TCBS's 8.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Texas Community Bancshares, Inc (TCBS) and Tompkins Financial Corporation (TMP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

TCBS currently trades at $16.85 with a QOC of 8.5/10, while TMP trades at $86.52 with a QOC of 8.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).