Texas Community Bancshares, Inc. TCBS
● 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
17.50
2026-09-04
Market cap
$50.3M
2026-06-30 share count
52-week range
15.72 - 20.00
Valuation FY2025 figures against the last close
P/S2.2x
P/E17.5x
P/FCF51.7x
EV/EBITDA—
Dividend yield1.2%
Diluted EPS1.00
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| 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 | -0.24 | 0.58 | 0.17 | — | — |
| EPS, diluted | 1.00 | -0.44 | -0.24 | 0.58 | 0.17 | — | — |
| Shares, diluted (wtd. avg.) | $2.9M | $3.0M | $3.1M | $3.0M | $3.0M | — | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6036
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| FLG | FLAGSTAR BANK, NATIONAL ASSOCIATION | $5.61B | — | -25.0% |
| BBT | Beacon Financial Corp | $2.67B | 31.0x | 81.1% |
| HFWA | HERITAGE FINANCIAL CORP /WA/ | $1.20B | 14.9x | 1.5% |
| NBBK | NB Bancorp, Inc. | $1.01B | 17.3x | 14.8% |
| SMBC | SOUTHERN MISSOURI BANCORP, INC. | $817.0M | 14.3x | 11.7% |
| TCBX | Third Coast Bancshares, Inc. | $767.0M | 12.2x | — |
| GCBC | GREENE COUNTY BANCORP INC | $607.0M | 19.5x | 13.5% |
| HBCP | HOME BANCORP, INC. | $553.8M | 12.0x | 4.9% |