Texas Community Bancshares, Inc.

Texas Community Bancshares, Inc.

TCBS
Texas Community Bancshares, Inc.US flagNASDAQ Capital Market
17.46
USD
-0.34
- -
50.38MMarket Cap
Texas Community Bancshares, Inc.
TCBS
(NASDAQ Capital Market)

Recent

price

17.46

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.89
2.07
3.38
4.01
3.73
3.75
6.01
5.92
Revenue per Share
0.22
0.16
0.17
0.58
-0.24
-0.45
1.04
1.07
Basic EPS, GAAP
0.43
0.23
0.54
0.9
-1.08
0.25
0.36
0.83
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.12
0.17
0.22
0.22
Dividend per Share
6.52
6.68
10.78
11.27
10.45
10.36
11.9
11.72
Book Value per Share
6.35
6.57
19.85
18.32
17.44
17.83
19.71
19.18
Tangible Book Value per Share
5
5
3
3
3
3
3
3
Basic Weighted Avg Shares
9
10
10
12
11
11
16
17
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
1
1
1
Depreciation Expense
1
1
1
2
-1
-1
3
3
Net Income, GAAP
17.9
20.49
15.22
19.43
- -
- -
15.52
14.99
Effective Tax Rate (%)
11.74
7.6
5.11
14.44
-6.42
-11.94
17.34
18.14
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
31
31
28
62
77
50
46
42
LT Debt
31
32
60
56
54
52
54
54
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
2.38
1.61
5.28
-2.22
-4.2
9.07
9.51
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
49
46
42
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
46
51
50

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
69
51
55
Accounts Receivable, Net
2
2
2
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
15.5%
3.16%
Free Cash Flow
- -
-39.29%
31.49%
Net Income, GAAP
- -
-34.75%
-317.78%
Sales/Revenue/Turnover
- -
12.49%
49.93%
Total Cash Common Dividend
- -
- -
17.66%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
4
4
4
11
2025
4
4
4
4
16
2026
4
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.9
0.12
0.18
- -
-0.45
2025
0.22
0.24
0.25
- -
1.04
2026
0.29
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.04
0.04
- -
0.17
2025
0.04
0.04
0.04
- -
0.22
2026
0.05
- -
- -
- -
- -
Business
Texas Community Bancshares, Inc. is a bank holding company primarily engaged in providing retail and commercial banking services through its subsidiary, Broadstreet Bank, SSB. The company offers a range of financial products including deposit accounts; residential mortgage loans; commercial real estate, construction, and land loans; auto loans; and other consumer and commercial loans. It operates seven branch locations in northeast Texas, focusing on serving individual consumers, small to medium-sized businesses, and local communities. Founded in 1929 and headquartered in Mineola, Texas, Texas Community Bancshares operates as a savings institution with assets over $400 million. Recent major developments include the appointment of Jason McCrary as Chief Financial Officer effective December 1, 2025, succeeding longtime CFO Julie Sharff who retired after 28 years. The company has announced increases in its quarterly cash dividend along with a special cash dividend, reflecting sustained financial strength and shareholder returns. Texas Community Bancshares has executed a new stock repurchase program authorized to buy up to 5% of outstanding shares, building on a previously successful repurchase initiative. The company also experienced net interest income growth and improved net interest margin driven by balance sheet restructuring and efficiency projects completed in 2024. Despite some loan challenges with delinquent large loan relationships, the bank maintains strong capital and asset quality metrics. Texas Community Bancshares continues to focus on expanding its presence and operational efficiency within northeast Texas and aims to support its local customers and business clients with its comprehensive banking services and community-oriented approach. The company is listed on NASDAQ under the ticker symbol TCBS.

Company News

APIChatGPT
  • TCBS Trades at a Huge Premium: Buy, Hold or Sell the Stock?

  • Zacks Initiates Coverage of TCBS With Outperform Recommendation

  • Texas Community Bancshares, Inc. Increases Quarterly Cash Dividend

  • TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED MARCH 31, 2026

  • Texas Community Bancshares (NASDAQ:TCBS) Stock Price Down 2.6% – What’s Next?

  • Analyzing Texas Community Bancshares (NASDAQ:TCBS) and Citizens Bancshares (OTCMKTS:CZBS)

  • Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend

  • Head-To-Head Analysis: Omni Financial Services (OTCMKTS:OFSI) and Texas Community Bancshares (NASDAQ:TCBS)

  • Comparing Texas Community Bancshares (NASDAQ:TCBS) & Cadence Bank (NYSE:CADE)

  • Head to Head Survey: Hilltop (NYSE:HTH) versus Texas Community Bancshares (NASDAQ:TCBS)

  • Texas Community Bancshares, Inc. Authorizes New Stock Repurchase Program

  • Texas Community Bancshares, Inc. Increases Quarterly Cash Dividend and Announces Special Cash Dividend

  • Texas Community Bancshares, Inc. Announces Chief Financial Officer Transition

  • Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend

  • Texas Community Q2 Net Jumps 95%

  • TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE SECOND QUARTER ENDED JUNE 30, 2025

  • Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend

  • TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED MARCH 31, 2025

  • Texas Community Bancshares, Inc. Authorizes New Stock Repurchase Program

  • Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend