Texas Community Bancshares, Inc. TCBS

17.00 0.00 0.00% as of 25 Sep
Market cap
$48.8M
P/E
13.4×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.35
Total sells 0.07
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — 1 — — —
Sell — — — — — — — — 2 — — —
Insider Ownership 19.65%

Capital & Financial Ratios

Market Cap 48.84
Revenue 26.24
Net Income 3.33
Free Cash Flow 2.32
Net Debt 30.92
Current Ratio 0.96
Debt/Equity 0.84
P/E ratio 13.39
P/S ratio 1.72
P/B ratio 0.82
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 1.67
Annual Dividend Rate 0.12
Annual Dividend Yield 0.78%
total individual payouts
2026 0.17
0.05
0.06
0.06
2025 0.12
0.04
0.04
0.04
0.03
2024 0.16
0.04
0.04
0.04
0.04
2023 0.11
0.02
0.03
0.03
0.03
2020 Powerpack
2019 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 25 23 12 16
Receivables — — — —
Inventory — — — —
Other — — — —
307 317 316 331
2023 2024 2025 Q'26
Payables 317 336 328 340
ST’ Debt — — — —
Other — — — —
321 341 330 343
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 15.65% 21.00%
Cash Flow — (6.48%) (24.12%)
Earnings — 30.57% 17.45%
Book Value — 10.97% (1.28%)

Revenue

Mar Jun Sep Dec Year
’26 6 7 — — —
’25 6 6 7 7 26
’24 2 6 6 6 21
’23 3 5 6 6 19
’22 3 3 4 4 14
’21 3 3 3 3 12
’20 3 3 3 3 12
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 2 1 — — —
’25 (2) 1 2 0 1
’24 1 0 1 0 2
’23 0 1 1 (1) 2
’22 1 1 1 1 3
’21 1 1 3 (3) 2
’20 0 1 1 0 2
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 0 1 — — —
’25 (2) 1 2 0 1
’24 0 0 1 0 1
’23 (1) (1) 0 (2) (3)
’22 0 1 1 1 3
’21 1 1 3 (3) 2
’20 0 0 1 0 1
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.31 0.35 — — —
’25 0.22 0.23 0.24 0.31 1.00
’24 (0.89) 0.12 0.17 0.16 (0.44)
’23 (0.33) 0.05 0.15 (0.11) (0.24)
’22 0.13 0.14 0.18 0.13 0.58
’21 0.05 0.06 (0.07) 0.24 0.17
’20 — — — — 0.16
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — 14.41 14.96 9.38 13.11 15.00

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — 20.07 19.61 15.84 15.47 20.00
High Price
— — — — 70 62 66 67 68 71
Employees
— — — 0 0 0 0 0 0 0
Revenue/Emp
— — — 12 12 12 14 19 21 26
Revenue
— — — 77.32% 79.70% 82.73% 84.18% 59.06% 51.81% 64.11%
Gross Margin
— — — 1 1 1 2 (1) (2) 3
EBT
— — — 11.05% 7.62% 4.99% 15.08% (4.85%) (8.67%) 13.16%
EBT Margin
— — — 1 1 1 2 (1) (1) 3
Net Income
— — — 1 1 1 1 0 1 0
Depreciation
— — — 2.42 2.57 4.08 4.77 6.31 7.05 9.38
Revenue/Sh
— — — 0.22 0.16 0.16 0.54 (0.24) (0.45) 1.04
Earnings/Sh
— — — 0.44 0.40 0.59 1.03 0.75 0.67 0.50
Cash Flow/Sh
— — — (0.02) (0.17) (0.05) (0.12) (1.83) (0.41) (0.14)
Capex/Sh
— — — 0.42 0.23 0.54 0.91 (1.08) 0.25 0.36
Free CF/Sh
— — — 6.45 6.64 20.03 18.45 17.53 17.87 19.71
Book Value/Sh
— — — 5 5 3 3 3 3 3
Shares
— — — 55.64 55.64 55.64 25.91 0.00 0.00 17.28
PE Ratio
— — — 4.02 4.02 3.80 3.17 2.24 2.16 1.92
PS Ratio
— — — 1.56 1.56 0.77 0.82 0.81 0.85 0.91
PB Ratio
— — — 1.31 1.31 3.04 6.74 4.90 3.47 3.24
EV/Sales
— — — 8.67 8.67 22.98 35.35 (28.61) 96.39 85.01
EV/FCF
— — — 2 2 2 3 2 2 1
Op' Cash Flow
— — — 0 (1) 0 0 (6) (1) 0
Capex
— — — 2 1 2 3 (3) 1 1
FCF
— — — (3) (1) (19) (35) (14) (24) (15)
Working Cap'
— — — 31 31 28 62 77 50 46
Total Debt
— — — 7 9 (9) 52 52 27 34
Net Debt
— — — 31 32 60 56 54 52 54
Sh' Equity
— — — 0.37% 0.26% 0.16% 0.45% (0.17%) (0.29%) 0.65%
ROA
— — — 2.14% 1.45% 0.75% 1.27% (0.56%) (1.41%) 2.40%
ROIC
— — — 3.36% 2.38% 1.13% 3.02% (1.34%) (2.47%) 5.37%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Texas Community Bancshares, Inc. (TCBS) key facts

  • Texas Community Bancshares, Inc. (TCBS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Texas Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $25.6 million, up 24.4% from fiscal 2024.
  • Net income was $2.8 million, or $1.04 per share (basic), a net margin of 11.1%.
  • As of September 25, 2026, TCBS traded at $17.00, a market capitalization of $48.8 million.
  • At that price the stock trades at 13.4× trailing-twelve-month earnings and 1.7× sales.
  • Texas Community Bancshares, Inc. pays an annual dividend of $0.12 per share, a yield of 0.78%, with a payout ratio of 166.7%.
  • Return on equity was 5.37% and debt-to-equity 0.84.

Source: company filings (standardised) and stockrow calculations.

Texas Community Bancshares, Inc. (TCBS) Latest News

News by impact score

Fine-tune

24 Sep

3

Texas Community Bancshares, Inc. (TCBS), a microcap with a market cap of $48.84 million, has gained 5.5% over the past year. The investment case cites improving core profitability and margin expansion from disciplined loan and deposit pricing, stronger lending activity and a more favorable funding mix. Renewed loan growth is supported by deposit expansion, while improving legacy credit trends and stronger earnings help capital build and support shareholder returns. Risks include elevated OREO weighing earnings and asset values, rising delinquencies and criticized loans, and wholesale/rate-sensitive funding. Higher technology, processing and occupancy costs could pressure operating leverage if revenue growth slows. Execution on credit cleanup, funding discipline and expense absorption remains key. TCBS is among the microcaps featured in Zacks' Research Daily, alongside Tesla, Bank of America and Coca-Cola. Improved profitability and loan growth point to upside, but OREO, delinquencies and funding costs create meaningful downside risk.

24 Apr

3

Texas Community Bancshares, Inc. (TCBS) reported unaudited financial results for the first quarter ended March 31, 2026. Quarterly financial results disclosure influences investor sentiment and short-term stock performance.

16 Dec

3

Texas Community Bancshares, Inc. has authorized a new stock repurchase program, allowing the company to buy back up to 1 million shares of its common stock. This initiative is aimed at enhancing shareholder value and reflects the company's confidence in its financial position. The repurchase program is set to be executed in accordance with applicable laws and regulations, and the timing and amount of repurchases will depend on market conditions and other factors. The stock repurchase program is expected to moderately influence investor sentiment and financial performance.

28 Nov

3

Texas Community Bancshares, Inc. (TCBS) is set to distribute a dividend of US$0.08, which is viewed positively by analysts. The dividend reflects the company's commitment to returning value to shareholders and indicates financial stability. Investors are encouraged by this move, as it may enhance market sentiment and attract more interest in the stock. Overall, the upcoming dividend is seen as a favorable development for TCBS. The dividend announcement is expected to moderately influence investor sentiment and financial performance.

18 Nov

3

Texas Community Bancshares, Inc. has announced an increase in its quarterly cash dividend to $0.15 per share, up from $0.12, effective for shareholders on record as of November 1, 2023. Additionally, a special cash dividend of $0.10 per share will be distributed on November 15, 2023. These decisions reflect the company's strong financial performance and commitment to returning value to shareholders. The increase in dividends indicates solid financial health, which may positively influence investor sentiment and market performance.

13 Nov

3

Texas Community Bancshares, Inc. has announced a transition in its Chief Financial Officer position, with the current CFO, who has been with the company since its inception, set to retire. The company has appointed a new CFO who brings extensive experience in the banking sector. This leadership change is expected to support the company's strategic goals and enhance its financial operations moving forward. Leadership transitions can moderately influence financial performance and strategic direction.

3 Aug

3

Texas Community Bancshares, Inc. (TCBS) reported earnings for the second quarter of 2025, with earnings per share (EPS) of US$0.24, a significant increase from US$0.12 in the same quarter of 2024. This growth reflects the company's improved financial performance year-over-year. The increase in EPS indicates a moderately noticeable improvement in financial performance, which may positively influence market sentiment.

1 Aug

3

Texas Community Bancshares, Inc. reported its unaudited financial results for the second quarter ended June 30, 2025. The report highlights key financial metrics, including net income, total assets, and loan growth, reflecting the bank's performance during the quarter. Management provided insights into operational strategies and market conditions impacting results, emphasizing a focus on sustainable growth and community engagement. The financial results indicate moderate performance changes that may influence investor sentiment and operational strategies.

5 May

3

Texas Community Bancshares, Inc. reported earnings for the first quarter of 2025, achieving an earnings per share (EPS) of $0.22, a significant improvement compared to a loss of $0.90 per share in the same quarter of 2024. This turnaround indicates a positive shift in the company's financial performance year-over-year. The improvement in EPS suggests a moderately noticeable influence on financial performance and market sentiment.

1 May

3

Texas Community Bancshares, Inc. reported its unaudited financial results for the first quarter ending March 31, 2025. The report highlights key financial metrics, including net income, total assets, and loan growth, reflecting the bank's performance during the quarter. Management provided insights into operational strategies and market conditions affecting the bank's performance, indicating a focus on sustainable growth and customer service enhancements. The financial results indicate moderate growth and operational strategies that may influence future performance but are not expected to drastically change the company's trajectory.

2 Mar

3

Texas Community Bancshares, Inc. (NASDAQ:TCBS) will pay a dividend of $0.04 per share on March 24, yielding 0.9%. Despite a recent history of dividend payments, the company's earnings have fallen significantly, raising concerns about the sustainability of future dividends. With only two years of dividend history and a 94.4% drop in earnings per share, the company may struggle to maintain its dividend payments. Although the dividend has grown at 41% annually over the past two years, the lack of a long payment history and declining earnings suggest limited growth potential. Overall, TCBS is not considered a strong candidate for income investment due to these factors. The significant decline in earnings per share indicates potential challenges in maintaining dividend payments, which could moderately influence investor sentiment and financial performance.

27 Nov

3

Individual investors own 21% of Texas Community Bancshares, Inc. (TCBS) shares, while insiders own 7.0%. Institutional ownership is less than 5%. Top 25 shareholders own 38% of the company. The ownership structure may moderately influence the company's governance and decision-making processes.

4 Jun

3

Director Anthony Scavuzzo purchased 7,001 shares of Texas Community Bancshares Inc (TCBS) at $14.33 per share. The insider activity could moderately influence investor sentiment and reflect positively on the company's future prospects.

13 May

4

Texas Community Bancshares, Inc. reports a net loss of $2.7 million for the first quarter of 2024, compared to a net loss of $1.0 million in the same period of 2023. The reported financial results indicate significant strategic actions taken by the company, such as deliberate loan sales and balance sheet repositioning, which are expected to have a significant impact on its future performance.

8 Mar

3

Texas Community Bancshares, Inc. (NASDAQ:TCBS) stock is about to trade ex-dividend in four days, with a dividend payment of US$0.04 per share. The article highlights potential concerns about the company's ability to sustain dividend payments due to recent financial performance.

28 Feb

3

Texas Community Bancshares, Inc. increases quarterly dividend to $0.04 per share. The dividend increase may have a moderately noticeable influence on the company's financial performance and investor sentiment.

23 Feb

3

Texas Community Bancshares, Inc. reported a net loss of $733,000 for the year ended December 31, 2023. The financial results and strategic changes mentioned in the article are expected to moderately influence the company's future performance.

9 Nov

3

Texas Community Bancshares, Inc. authorizes new stock repurchase program. The stock repurchase program may moderately influence the company's financial performance and market sentiment.

2 Sep

3

Don't buy Texas Community Bancshares, Inc. (NASDAQ:TCBS) for its next dividend without doing these checks. The article suggests that investors should be cautious and conduct thorough checks before investing in TCBS for its dividend.

16 May

3

Texas Community Bancshares, Inc. adopts stock repurchase program for up to 164,842 shares. The stock repurchase program may moderately influence the company's financial performance and market sentiment.

stockrow.com/TCBS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com