Texas Community Bancshares, Inc. TCBS

Financials SIC 6036 - Savings Institutions, Not Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

● statements regarding our business plans, prospects, growth and operating strategies;

● estimates of our risks and future costs and benefits.

● general economic conditions, either nationally or in our market areas, that are worse than expected;

● changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for credit losses;

Last close 17.23 2026-10-23
Market cap $49.5M 2026-06-30 share count
52-week range 15.72 - 20.00

Valuation FY2025 figures against the last close

P/S2.2x
P/E17.2x
P/FCF50.9x
EV/EBITDA—
Dividend yield1.2%
Diluted EPS1.00

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Revenue $22.5M$22.5M$19.0M$12.6M$10.5M$10.8M—
Interest expense $13.3M$12.6M$7.9M$2.3M$2.1M$2.5M—
Pre-tax income $3.4M-$1.8M-$937.0K$2.2M$611.0K$942.0K—
Income tax $522.0K$476.0K$204.0K$423.0K$93.0K$193.0K—
Net income $2.8M-$1.3M-$733.0K$1.8M$518.0K$749.0K—
EPS, basic 1.04-0.45-0.240.580.17——
EPS, diluted 1.00-0.44-0.240.580.17——
Shares, diluted (wtd. avg.) 2.9M3.0M3.1M3.0M3.0M——

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Cash and equivalents $6.5M$13.3M$13.1M$8.9M$21.9M$8.1M$5.5M
Property, plant and equipment $11.5M$11.5M$11.6M$6.3M$6.2M$6.4M—
Other intangibles —$132.0K$265.0K$397.0K$529.0K$661.0K—
Total assets $429.8M$443.5M$452.0M$417.3M$364.8M$299.6M—
Total liabilities $376.1M$391.3M$398.4M$361.5M$304.7M$267.7M—
Retained earnings $32.4M$30.2M$32.0M$34.1M$32.3M$31.8M—
Total equity $53.8M$52.1M$53.7M$55.9M$60.1M——

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Operating cash flow $1.4M$1.9M$2.3M$3.1M$1.8M$1.9M—
Depreciation and amortisation $461.0K$439.0K$290.0K$299.0K$305.0K$298.0K—
Stock-based compensation $607.0K$757.0K$528.0K$84.0K———
Capital expenditure $394.0K$1.2M$5.6M$393.0K$137.0K$806.0K—
Investing cash flow $7.7M$8.8M-$31.2M-$72.2M-$52.8M-$29.9M—
Financing cash flow -$15.9M-$10.5M$33.0M$56.1M$64.9M$30.5M—
Dividends paid $593.0K$504.0K$368.0K————
Buybacks $3.2M$1.6M$2.2M————

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-034560.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -10M 0 10M 20M 30M Revenue, FY2020: 10.8M Net income, FY2020: 749K Revenue, FY2021: 10.5M Net income, FY2021: 518K Revenue, FY2022: 12.6M Net income, FY2022: 1.8M Revenue, FY2023: 19M Net income, FY2023: -733K Revenue, FY2024: 22.5M Net income, FY2024: -1.3M Revenue, FY2025: 22.5M Net income, FY2025: 2.8M FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $10.8M $10.5M $12.6M $19.0M $22.5M $22.5M
Gross profit — — — — — — —
Net income — $749.0K $518.0K $1.8M -$733.0K -$1.3M $2.8M

Recent filings and events

  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Officer or director change Item 5.02
  • Results announced Item 2.02
  • Shareholder vote Item 5.07
  • Results announced Item 2.02
  • Annual report filed Form 10-K
  • Other event Item 8.01
  • Officer or director change Item 5.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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