Friday 6 November 2026 Export TCBS’s income statement to Excel — free account

Texas Community Bancshares, Inc.

Texas Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $25.6 million, up 24.4% from fiscal 2024.

Revenue: +8.29%
EPS: +54.2%
Free cash flow: −4.04%
Total debt: −5.63%

Quarter to June 2026, against a year earlier

17.10 0.20 −1.16%

Follow TCBS

Alert me

Market cap: $50.0M
P/E: 13.6×
Fwd P/E: 26.5×
Dividend yield: 0.98%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Bought, $m 0.35

Sold, $m 0.07

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	—	—	—	—	1	—	—	—	—	—
Sell	—	—	—	—	—	—	2	—	—	—	—	—

Insider Ownership 19.65%

Capital & Financial Ratios $m

Size

Market Cap 50.01

Revenue ttm 26.24

Net income ttm 3.33

Free cash flow ttm 2.32

Net debt Q 30.92

Valuation

P/E 13.62

Forward P/E 26.50

Price / sales 1.75

Forward P/S Powerpack

Price / FCF 19.75

Price / book 0.83

Financial health

Current ratio Q 0.96

Debt / equity Q 0.84

Interest coverage Q —

Growth

Revenue growth Q +8.29%

Operating income growth Q +39.54%

EPS, this year —

EPS, next year A —

Revenue, next year A −2.87%

EPS, past 5 yrs +44.27%

EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 4.42%

10-year low 10-year high

P/S against its own 10 years 7.42%

10-year low 10-year high

P/B against its own 10 years 44.60%

10-year low 10-year high

Dividends

Yield: 0.98%
Annual rate: 0.17
Payout ratio: 14.1%
Growth, 2023–26: +15.6%/yr

0.11 ’23
0.16 ’24 +45
0.12 ’25 −25
0.17 ’26 +42

paid change on the year, %

Assets vs Liabilities $m

	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

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%)

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.

Revenue $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Jun ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	—	—	—	12	12	12	14	19	21	26	26		+14.0%	—	—	—	—
	Gross margin, %	—	—	—	77.32	79.70	82.73	84.18	59.06	51.81	64.11	66.26		(13.2) pt	Powerpack Texas Community Bancshares, Inc.’s next three years, line by line See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	—	—	—	1	1	1	2	(1)	(2)	3	4		+17.4%
	EBT margin, %	—	—	—	11.05	7.62	4.99	15.08	(4.85)	(8.67)	13.16	14.84		+2.1 pt
	Net income	—	—	—	1	1	1	2	(1)	(1)	3	3		+17.9%
Per share, $
Per share, $	Revenue	—	—	—	2.42	2.57	4.08	4.77	6.31	7.05	9.38	9.90		+25.3%
	Earnings	—	—	—	0.22	0.16	0.16	0.54	(0.24)	(0.45)	1.04	1.27		+29.5%
	Cash flow	—	—	—	0.44	0.40	0.59	1.03	0.75	0.67	0.50	1.84		+2.3%
	Capex	—	—	—	(0.02)	(0.17)	(0.05)	(0.12)	(1.83)	(0.41)	(0.14)	(0.96)		+45.5%
	Free cash flow	—	—	—	0.42	0.23	0.54	0.91	(1.08)	0.25	0.36	0.88		(2.7%)
	Book value	—	—	—	6.45	6.64	20.03	18.45	17.53	17.87	19.71	20.83		+20.5%
	Shares, m	—	—	—	5	5	3	3	3	3	3	3		(9.0%)
Valuation, ×
Valuation, ×	P/E	—	—	—	55.64	55.64	55.64	25.91	0.00	0.00	17.28	13.62		30.0
	P/S	—	—	—	4.02	4.02	3.80	3.17	2.24	2.16	1.92	1.75		3.0
	P/B	—	—	—	1.56	1.56	0.77	0.82	0.81	0.85	0.91	0.83		1.0
	EV/Sales	—	—	—	1.31	1.31	3.04	6.74	4.90	3.47	3.24	—		3.4
	EV/FCF	—	—	—	8.67	8.67	22.98	35.35	(28.61)	96.39	85.01	—		32.6
Cash, $m
Cash, $m	Operating cash flow	—	—	—	2	2	2	3	2	2	1	5		(6.9%)
	Capex	—	—	—	0	(1)	0	0	(6)	(1)	0	(3)		+32.4%
	Free cash flow	—	—	—	2	1	2	3	(3)	1	1	2		(11.5%)
Balance, $m
Balance, $m	Working capital	—	—	—	(3)	(1)	(19)	(35)	(14)	(24)	(15)	(12)		+32.2%
	Net debt	—	—	—	7	9	(9)	52	52	27	34	31		+31.4%
	Shareholders’ equity	—	—	—	31	32	60	56	54	52	54	55		+9.6%
Returns, %
Returns, %	ROA	—	—	—	0.37	0.26	0.16	0.45	(0.17)	(0.29)	0.65	0.75		+0.3 pt
	ROIC	—	—	—	2.14	1.45	0.75	1.27	(0.56)	(1.41)	2.40	2.83		+0.3 pt
	ROE	—	—	—	3.36	2.38	1.13	3.02	(1.34)	(2.47)	5.37	6.16		+2.0 pt
People
People	Employees	—	—	—	—	70	62	66	67	68	71	—		+0.3%
	Revenue/emp, $m	—	—	—	0.00	0.18	0.20	0.22	0.29	0.30	0.36	—		n/m

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
UBCP United Bancorp, Inc.	$83.3M	10.4×	10.5×	+2.96% (above 0%: growing)	+9.09% (above 0%: growing)	−109.56% (below 0%: shrinking)	70.95%	0.00%	Compare
ASRV AmeriServ Financial Inc.	$82.9M	9.6×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%	Compare
SSBI Summit State Bank	$77.1M	33.6×	—	−3.24% (below 0%: shrinking)	n/m	−207.35% (below 0%: shrinking)	100.00%	0.00%	Compare
CLST Catalyst Bancorp, Inc.	$72.4M	31.4×	—	+3.68% (above 0%: growing)	+7.14% (above 0%: growing)	−14.23% (below 0%: shrinking)	74.83%	0.00%	Compare
HFBL Home Federal Bancorp, Inc. of Louisiana	$67.1M	10.9×	—	+10.29% (above 0%: growing)	+23.08% (above 0%: growing)	+210.53% (above 0%: growing)	70.94%	0.00%	Compare
CULL Cullman Bancorp, Inc.	$65.2M	32.5×	19.5×	+8.86% (above 0%: growing)	−26.67% (below 0%: shrinking)	−90.89% (below 0%: shrinking)	71.49%	0.00%	Compare
TCBS Texas Community Bancshares, Inc.	$50.0M	13.6×	26.5×	+8.29% (above 0%: growing)	+54.17% (above 0%: growing)	−4.04% (below 0%: shrinking)	67.29%	0.00%
KFFB Kentucky First Federal Bancorp	$45.2M	24.3×	—	+7.22% (above 0%: growing)	+300.00% (above 0%: growing)	+650.00% (above 0%: growing)	59.33%	0.00%	Compare
MBBC Marathon Bancorp, Inc.	$43.3M	21.2×	—	+17.92% (above 0%: growing)	n/m	+110.20% (above 0%: growing)	70.72%	0.00%	Compare
Median of peers	$69.7M	22.8×	—	+5.63%	+9.09%	−52.56%	70.95%	0.00%

All 327 Banks Regional stocks →