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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%
Market cap
$49.6M
P/E
13.4×
Fwd P/E
26.5×
Dividend yield
1.00%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.35
Total sells 0.07
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — 1 — — — —
Sell — — — — — — — 2 — — — —
Insider Ownership 19.65%

Capital & Financial Ratios $m

Market Cap 49.58
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
Fwd P/E 26.50
P/S ratio 1.72
P/B ratio 0.82
Past 5Y EPS Growth 44.27% (at or above 15%: strong)
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth (2.87%) (below 0%: weak)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 1.68%
10-year low 10-year high
P/S against its own 10 years 1.74%
10-year low 10-year high
P/B against its own 10 years 30.61%
10-year low 10-year high

Dividends

Payout Ratio 0.14
Annual Dividend Rate 0.17
Annual Dividend Yield 1.00%
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
special payouts not included in total or ratios

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%)

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.

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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — — — 14.41 14.96 9.38 13.11 15.00

Analyst estimates 2026–2028

Powerpack
High — — — — — 20.07 19.61 15.84 15.47 20.00
People
People Employees — — — — 70 62 66 67 68 71
Revenue/emp, $m — — — 0.00 0.18 0.20 0.22 0.29 0.30 0.36
Income, $m
Income, $m Revenue — — — 12 12 12 14 19 21 26
Gross margin, % — — — 77.32 79.70 82.73 84.18 59.06 51.81 64.11
EBT — — — 1 1 1 2 (1) (2) 3
EBT margin, % — — — 11.05 7.62 4.99 15.08 (4.85) (8.67) 13.16
Net income — — — 1 1 1 2 (1) (1) 3
Depreciation — — — 1 1 1 1 0 1 0
Per share, $
Per share, $ Revenue — — — 2.42 2.57 4.08 4.77 6.31 7.05 9.38
Earnings — — — 0.22 0.16 0.16 0.54 (0.24) (0.45) 1.04
Cash flow — — — 0.44 0.40 0.59 1.03 0.75 0.67 0.50
Capex — — — (0.02) (0.17) (0.05) (0.12) (1.83) (0.41) (0.14)
Free cash flow — — — 0.42 0.23 0.54 0.91 (1.08) 0.25 0.36
Book value — — — 6.45 6.64 20.03 18.45 17.53 17.87 19.71
Shares, m — — — 5 5 3 3 3 3 3
Valuation, ×
Valuation, × P/E — — — 55.64 55.64 55.64 25.91 0.00 0.00 17.28
P/S — — — 4.02 4.02 3.80 3.17 2.24 2.16 1.92
P/B — — — 1.56 1.56 0.77 0.82 0.81 0.85 0.91
EV/Sales — — — 1.31 1.31 3.04 6.74 4.90 3.47 3.24
EV/FCF — — — 8.67 8.67 22.98 35.35 (28.61) 96.39 85.01
Cash, $m
Cash, $m Operating cash flow — — — 2 2 2 3 2 2 1
Capex — — — 0 (1) 0 0 (6) (1) 0
Free cash flow — — — 2 1 2 3 (3) 1 1
Balance, $m
Balance, $m Working capital — — — (3) (1) (19) (35) (14) (24) (15)
Total debt — — — 31 31 28 62 77 50 46
Net debt — — — 7 9 (9) 52 52 27 34
Shareholders’ equity — — — 31 32 60 56 54 52 54
Returns, %
Returns, % ROA — — — 0.37 0.26 0.16 0.45 (0.17) (0.29) 0.65
ROIC — — — 2.14 1.45 0.75 1.27 (0.56) (1.41) 2.40
ROE — — — 3.36 2.38 1.13 3.02 (1.34) (2.47) 5.37
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Texas Community Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ASRV AmeriServ Financial Inc. $75.7M 8.9× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00% Compare
HFBL Home Federal Bancorp, Inc. of Louisiana $73.1M 11.8× — +10.29% (above 0%: growing) +23.08% (above 0%: growing) +210.53% (above 0%: growing) 70.94% 0.00% Compare
CLST Catalyst Bancorp, Inc. $68.0M 29.8× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 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
BCOW 1895 Bancorp of Wisconsin Inc. $57.9M 88.0× — (loss-making) +1.53% (above 0%: growing) n/m +993.81% (above 0%: growing) 64.21% 0.00% Compare
TCBS Texas Community Bancshares, Inc. $49.6M 13.4× 26.5× +8.29% (above 0%: growing) +54.17% (above 0%: growing) −4.04% (below 0%: shrinking) 67.29% 0.00%
MBBC Marathon Bancorp, Inc. $44.1M 21.3× — +17.92% (above 0%: growing) n/m +110.20% (above 0%: growing) 70.72% 0.00% Compare
KFFB Kentucky First Federal Bancorp $43.8M 23.1× — +7.22% (above 0%: growing) +320.50% (above 0%: growing) +650.00% (above 0%: growing) 59.33% 0.00% Compare
GBNY Generations Bancorp NY, Inc. $35.1M — (loss-making) 23.0× +3.79% (above 0%: growing) n/m −40.08% (below 0%: shrinking) 48.38% 0.00% Compare
Median of peers $61.5M 23.1× — +5.63% +15.11% +47.99% 70.44% 0.00%

All 323 Banks Regional stocks →

Texas Community Bancshares, Inc. (TCBS) key facts

  • Strength: Texas Community Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $25.6 million, up 24.4% from fiscal 2024.
  • Texas Community Bancshares, Inc. (TCBS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Net income was $2.8 million, or $1.04 per share (basic), a net margin of 11.1%.
  • As of October 16, 2026, TCBS traded at $17.00, a market capitalization of $49.6 million.
  • At that price the stock trades at 13.4× trailing-twelve-month earnings and 1.7× sales; its P/E is higher than 2% of its own readings over the past ten years.
  • Texas Community Bancshares, Inc. pays an annual dividend of $0.17 per share, a yield of 1.00%, with a payout ratio of 14.1%.
  • Return on equity was 5.37% and debt-to-equity 0.84.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Texas Community Bancshares, Inc. (TCBS) Latest News

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