Texas Community Bancshares, Inc.

TCBS

TCBSTexas Community Bancshares, Inc. US flag

NASDAQ Capital Market

17.46

USD

-0.34

- -

50.38MMarket Cap

Income Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	9	10	10	12	11	11	16
+ Sales & Services Revenue	9	10	10	12	11	11	16
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	5	5	5	6	7	7	7
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-5	-5	-5	-6	-7	-7	-7
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-1	-1	-1	-2	1	2	-3
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-1	-1	-1	-2	1	2	-3
Pretax Income	1	1	1	2	-1	-2	3
- Income Tax Expense (Benefit)	- -	- -	- -	- -	- -	- -	1
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	1	1	1	2	-1	-1	3
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	1	1	1	2	-1	-1	3
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	1	1	1	2	-1	-1	3
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	1	1	1	2	-1	-1	3
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	1	1
EBITDA Margin (%)	4.71	4.37	4.31	3.55	3.7	5.23	3.62
EBITA	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	11.74	7.6	5.11	14.44	-6.42	-11.94	17.34
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	0.12	0.17	0.22
Depreciation Expense	- -	- -	- -	- -	- -	1	1
Basic Weighted Avg Shares	5	5	3	3	3	3	3
Basic EPS, GAAP	0.22	0.16	0.17	0.58	-0.24	-0.45	1.04
Basic EPS from Cont Ops	0.22	0.16	0.17	0.58	-0.24	-0.45	1.04
Diluted Weighted Avg Shares	5	5	3	3	3	3	3
Diluted EPS, GAAP	0.22	0.16	0.17	0.58	-0.24	-0.44	1
Diluted EPS from Cont Ops	0.22	0.16	0.17	0.58	-0.24	-0.44	1

Balance Sheet (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	34	33	77	116	111	89	51
+ Cash & Cash Equivalents	23	20	21	9	18	14	9
+ ST Investments	11	13	57	107	93	75	42
+ Accounts & Notes Receiv	1	1	1	1	2	3	3
+ Accounts Receivable, Net	1	1	1	1	2	2	2
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	2	1
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-34	-34	-78	-117	-113	-92	-54
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	6	6	6	6	12	12	11
+ Property, Plant & Equip	11	11	12	12	17	18	18
- Accumulated Depreciation	5	5	5	6	6	6	7
+ LT Investments & Receivables	50	47	90	135	119	97	78
+ LT Investments	50	47	90	135	119	97	78
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-56	-54	-97	-141	-131	-109	-90
+ Total Intangible Assets	1	1	1	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	1	1	1	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-57	-54	-97	-142	-131	-109	-90
Total Assets	268	300	365	417	452	443	430
+ Payables & Accruals	1	2	2	3	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	1	2	2	3	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-1	-2	-2	-3	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-1	-2	-2	-3	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	31	31	28	62	77	50	46
+ LT Borrowings	31	31	28	62	77	50	46
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-31	-31	-28	-62	-77	-50	-46
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-31	-31	-28	-62	-77	-50	-46
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	237	268	305	361	398	391	376
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	31	31	32	33	33
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	- -	31	31	32	32	33
- Treasury Stock	- -	- -	- -	- -	2	4	7
+ Retained Earnings	31	32	32	34	32	30	32
+ Other Equity	- -	- -	-1	-7	-6	-5	-3
Equity Before Minority Interest	31	32	60	56	54	52	54
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	31	32	60	56	54	52	54
Total Liabilities & Equity	268	300	365	417	452	443	430
Shares Outstanding	3	3	3	3	3	3	3
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	8	11	7	54	59	36	36
Net Debt to Equity	26.58	33.77	11.58	95.83	110.24	69.36	67.5
Tangible Common Equity Ratio	11.34	10.46	16.36	13.3	11.83	11.72	12.51
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	1	1	1	2	-1	-1	3
+ Depreciation & Amortization	- -	- -	- -	- -	- -	1	1
+ Non-Cash Items	- -	1	- -	1	2	4	1
+ Stock-Based Compensation	- -	- -	- -	- -	1	1	1
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	1	- -	- -	2	4	- -
+ Chg in Non-Cash Work Cap	- -	- -	- -	- -	- -	-2	-3
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	1	- -	1	1	-1	-3
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	-1	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	2	2	2	3	2	2	1
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	- -	- -	-6	-1	- -
+ Acq of Fixed Prod Assets	- -	-1	- -	- -	-6	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	31	- -	-2	-2	-3
+ Increase in Capital Stock	- -	- -	31	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-2	-2	-3
+ Net Change in LT Investment	4	2	-45	-53	16	23	21
+ Dec in LT Investment	20	35	49	22	28	42	75
+ Inc in LT Investment	-17	-32	-93	-75	-12	-19	-54
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-25	-31	-8	-19	-41	-13	-13
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-21	-30	-53	-72	-31	9	8
+ Dividends Paid	- -	- -	- -	- -	- -	-1	-1
+ Net Cash From Debt	8	- -	-6	35	14	-27	-4
+ Cash From Debt	18	5	- -	192	33	5	16
+ Repayments of Debt	-11	-5	-6	-158	-19	-32	-20
+ Other Financing Activities	7	31	40	21	21	19	-8
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	14	31	65	56	33	-11	-16
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-5	3	14	-13	4	- -	-7
EBITDA	- -	- -	- -	- -	- -	1	1
EBITDA Margin (%)	4.71	4.37	4.31	3.55	3.7	5.23	3.62
Free Cash Flow	2	1	2	3	-3	1	1
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	2	1	2	3	- -	- -	1
Free Cash Flow to Equity	- -	1	-4	38	11	-26	-3
Free Cash Flow per Basic Share	0.43	0.23	0.54	0.9	-1.08	0.25	0.36
Price/Free Cash Flow	- -	- -	24.57	13.2	5.48	14.49	29.14
Cash Flow to Net Income	1.98	2.55	3.39	1.78	-3.12	-1.49	0.48
Capital Expenditures	- -	-1	- -	- -	-6	-1	- -