Saturday 17 October 2026
Export TCBS’s income statement to Excel — free account
Texas Community Bancshares, Inc.
TCBS Financial Banks Regional
Texas Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $25.6 million, up 24.4% from fiscal 2024. In the quarter to June 2026, revenue grew 8.29%, EPS grew 54.2%, free cash flow fell 4.04% and total debt fell 5.63%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.
17.00
0.26
−1.51%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | |
|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 5 | 4 | 6 | 6 | — | — |
P/E ratio |
17.28 | 0.00 | 0.00 | 25.91 | 55.64 | 55.64 | 55.64 |
P/S ratio |
1.92 | 2.16 | 2.24 | 3.17 | 3.80 | 4.02 | 4.02 |
P/FCF ratio |
50.37 | 60.08 | 0.00 | 16.64 | 28.72 | 26.66 | 26.66 |
P/Operating CF |
162.28 | 555.75 | (63.42) | 78.67 | (15.47) | 79.49 | 79.49 |
P/B ratio |
0.91 | 0.85 | 0.81 | 0.82 | 0.77 | 1.56 | 1.56 |
Price to Tangible BV |
0.91 | 0.86 | 0.81 | 0.83 | 0.78 | 1.59 | 1.59 |
EV/Sales |
3.24 | 3.47 | 4.90 | 6.74 | 3.04 | 1.31 | 1.31 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
60.51 | 36.75 | 41.43 | 31.09 | 21.19 | 7.82 | 7.82 |
EV/FCF |
85.01 | 96.39 | (28.61) | 35.35 | 22.98 | 8.67 | 8.67 |
Quick Ratio |
0.04 | 0.07 | 0.08 | 0.04 | 0.13 | 0.09 | 0.12 |
Current Ratio |
0.96 | 0.93 | 0.96 | 0.88 | 0.93 | 1.00 | 0.99 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.62% | 11.25% | 17.01% | 14.97% | 7.56% | 10.27% | 11.64% |
Debt/Equity |
0.85 | 0.96 | 1.43 | 1.12 | 0.46 | 0.96 | 1.00 |
Asset Turnover |
0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
0.48 | (1.49) | (3.12) | 1.78 | 3.39 | 2.55 | 1.98 |
Capex/Depreciation |
(0.89) | (1.86) | (14.94) | (0.44) | (0.16) | (0.99) | (0.10) |
| 5.37% | (2.47%) | (1.34%) | 3.02% | 1.13% | 2.38% | 3.36% | |
| 0.65% | (0.29%) | (0.17%) | 0.45% | 0.16% | 0.26% | 0.37% | |
ROIC |
2.40% | (1.41%) | (0.56%) | 1.27% | 0.75% | 1.45% | 2.14% |
Return on Tangible Assets |
(90.97%) | 10.36% | 25.56% | (6.03%) | (4.00%) | 13.04% | 31.55% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
50.95% | 60.48% | 63.91% | 69.10% | 77.74% | 72.08% | 65.14% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
3.36% | 4.77% | 3.73% | 2.06% | 1.65% | 0.00% | 0.00% |
Graham Net Nets |
(1.23) | (1.66) | (2.11) | (2.14) | (1.00) | (0.74) | (0.74) |
Graham Number |
21.48 | 0.00 | 0.00 | 15.56 | 11.21 | 0.00 | 0.00 |
Earnings Yield |
5.79% | (2.82%) | (1.70%) | 3.86% | 1.80% | 1.80% | 1.80% |
Free Cash Flow Yield |
1.99% | 1.66% | (7.66%) | 6.01% | 3.48% | 3.75% | 3.75% |
Revenue per Share |
9.38 | 7.05 | 6.31 | 4.77 | 4.08 | 2.57 | 2.42 |
Operating CF per Share |
0.50 | 0.67 | 0.75 | 1.03 | 0.59 | 0.40 | 0.44 |
Capex per Share |
(0.14) | (0.41) | (1.83) | (0.12) | (0.05) | (0.17) | (0.02) |
Free Cash Flow per Share |
0.36 | 0.25 | (1.08) | 0.91 | 0.54 | 0.23 | 0.42 |
Cash per Share |
4.39 | 7.89 | 8.28 | 3.63 | 12.28 | 4.59 | 5.11 |
Shareholders Equity per Share |
19.71 | 17.87 | 17.53 | 18.45 | 20.03 | 6.64 | 6.45 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.71 | 17.87 | 17.53 | 18.45 | 20.03 | 6.64 | 6.45 |
Free Cash Flow |
0.97 | 0.74 | (3.31) | 2.75 | 1.62 | 1.11 | 2.02 |
Working Capital |
(14.58) | (24.13) | (14.48) | (35.40) | (19.16) | (0.64) | (2.73) |
Capital Expenditures |
(0.39) | (1.20) | (5.60) | (0.38) | (0.14) | (0.81) | (0.07) |
Net Current Asset Value |
(60.25) | (74.00) | (91.37) | (97.89) | (46.73) | (31.41) | (33.88) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.06 | 0.29 | 0.03 | 0.01 | 0.07 | 0.01 |
Price to Operating Income |
14.57 | 0.00 | 0.00 | 21.03 | 76.16 | 154.44 | 154.44 |
| Other line items | |||||||
Depreciation/Fixed assets |
0.04 | 0.06 | 0.03 | 0.14 | 0.14 | 0.13 | 0.12 |
Cash ROIC |
0.87% | 0.59% | (2.12%) | 2.13% | 1.30% | 1.30% | 2.33% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
13,041.84 | 12,379.04 | 14,631.41 | 47,336.01 | 47,424.64 | 34,207.29 | 28,216.32 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
331.87 | 326.53 | 306.66 | 285.51 | 255.04 | 219.68 | 219.68 |
Average Assets |
436.65 | 447.75 | 434.70 | 391.09 | 332.23 | 283.60 | 283.93 |
Average Common Equity |
52.93 | 52.90 | 54.78 | 58.00 | 46.04 | 31.50 | 31.50 |
Columns are period end dates