TCBS

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Texas Community Bancshares, Inc.

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Key Metrics

Previous Close: $17.41
52-Week Range: $15.72 – $20.00
Market Cap: $50.36M
P/E (TTM): 14.49
EPS (TTM): 1.21
Dividend Yield: 1.38%

Advanced Metrics

Price/Book: 0.87
PEG Ratio: —
Return on Equity: 6.16%
Return on Assets: 0.75%
Gross Margin: 0.00%
Operating Margin: 26.63%
Profit Margin: 20.14%
Current Ratio: —
Debt/Equity: —
Total Debt: $46.46M
Free Cash Flow: —
Revenue Growth: 13.50%
Earnings Growth: 52.20%
Enterprise Value: $77.47M

TCBS Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$12.14M	$11.42M	$10.93M	$16.39M
Selling, General & Admin	$6.18M	$7.47M	$7.14M	$6.78M
Pretax Income	$2.18M	-$937.00K	-$1.78M	$3.36M
Income Tax	$423.00K	-$204.00K	-$476.00K	$522.00K
Net Income	$1.75M	-$733.00K	-$1.30M	$2.84M
Diluted EPS	0.58	-0.24	-0.45	1.00
Diluted Shares	3.03M	3.06M	2.99M	2.86M

TCBS Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$8.95M	$17.71M	$13.73M	$9.38M
Receivables	$1.39M	$1.76M	$3.21M	$3.11M
Total Assets	$417.35M	$452.04M	$443.46M	$429.84M
Long-Term Debt	$62.49M	$76.90M	$49.88M	$45.67M
Total Debt	$62.49M	$76.90M	$49.88M	$45.67M
Total Liabilities	$361.48M	$398.36M	$391.35M	$376.08M
Retained Earnings	$34.08M	$31.97M	$30.16M	$32.41M
Shareholders' Equity	$55.87M	$53.69M	$52.11M	$53.76M
Net Debt	$53.54M	$59.19M	$36.14M	$36.28M

TCBS Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$3.13M	$2.29M	$1.94M	$1.37M
Capital Expenditure	-$393.00K	-$5.60M	-$1.20M	-$394.00K
Free Cash Flow	$2.74M	-$3.31M	$740.00K	$973.00K
Depreciation & Amortisation	$431.00K	$422.00K	$572.00K	$593.00K
Stock-Based Compensation	$297.00K	$721.00K	$980.00K	$860.00K
Investing Cash Flow	-$72.18M	-$31.15M	$8.80M	$7.68M
Financing Cash Flow	$56.07M	$33.00M	-$10.51M	-$15.89M
Dividends Paid	$0.00	-$368.00K	-$504.00K	-$593.00K
Share Repurchases	$0.00	-$2.20M	-$1.58M	-$3.16M
Net Change in Cash	-$12.99M	$4.13M	$230.00K	-$6.84M

TCBS Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$3.79M	$3.75M	$4.40M	$4.45M	$4.13M
Selling, General & Admin	$1.73M	$1.64M	$1.62M	$1.80M	$1.70M
Pretax Income	$749.00K	$822.00K	$766.00K	$1.03M	$955.00K
Income Tax	$106.00K	$144.00K	$86.00K	$186.00K	$119.00K
Net Income	$643.00K	$678.00K	$680.00K	$841.00K	$836.00K
Diluted EPS	0.22	0.24	0.24	—	0.29
Diluted Shares	2.97M	2.92M	2.87M	—	2.89M

TCBS Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$17.89M	$22.23M	$6.34M	$9.38M	$13.30M
Receivables	$2.99M	$3.04M	$2.83M	$3.11M	$2.72M
Total Assets	$442.21M	$444.08M	$439.49M	$429.84M	$430.45M
Long-Term Debt	$49.56M	$49.24M	$48.77M	$45.67M	$41.57M
Total Debt	$49.56M	$49.24M	$48.77M	$45.67M	$41.57M
Total Liabilities	$389.45M	$391.21M	$385.95M	$376.08M	$376.21M
Retained Earnings	$30.68M	$31.24M	$31.80M	$32.41M	$33.10M
Shareholders' Equity	$52.76M	$52.87M	$53.53M	$53.76M	$54.23M
Net Debt	$31.67M	$27.01M	$42.43M	$36.28M	$28.26M

TCBS Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$1.53M	$1.01M	$1.59M	$302.00K	$1.61M
Capital Expenditure	-$28.00K	-$185.00K	-$39.00K	-$142.00K	-$1.79M
Free Cash Flow	-$1.56M	$822.00K	$1.55M	$160.00K	-$178.00K
Depreciation & Amortisation	$146.00K	$148.00K	$148.00K	$151.00K	$124.00K
Stock-Based Compensation	$227.00K	$188.00K	$207.00K	$238.00K	$93.00K
Investing Cash Flow	-$701.00K	-$1.90M	$5.90M	$4.38M	-$1.41M
Financing Cash Flow	$766.00K	$361.00K	-$6.61M	-$10.41M	-$192.00K
Dividends Paid	-$123.00K	-$119.00K	-$118.00K	-$233.00K	-$143.00K
Share Repurchases	-$495.00K	-$846.00K	-$1.01M	-$816.00K	$0.00
Net Change in Cash	-$1.47M	-$527.00K	$888.00K	-$5.73M	$4.00K

Market Snapshot

About

Texas Community Bancshares, Inc. is a bank holding company that operates community banks in Texas. The company provides traditional banking services including commercial and consumer lending, deposit products, and treasury management services to local communities.