Texas Community Bancshares, Inc.
TCBS Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 23, 2026
$17.23
KIRA · Stoqly’s AI analyst, in plain words
- Texas Community Bancshares, Inc. had $16.4M of revenue in fiscal 2025, up 54.0% on the year before. Over five years, revenue changed +10.7% a year on average.
- Texas Community Bancshares, Inc. made $2.8M of net profit in fiscal 2025.
- Texas Community Bancshares, Inc. returned $3.8M to shareholders in fiscal 2025, 386% of free cash flow. The diluted share count fell 4.4%.
- It earned 5.4% on shareholders’ money. Running costs took 74.4% of revenue (the efficiency ratio; lower is better).
Market cap
$47.3M
P/E
14.2x
Revenue
$16.4M
Net income
$2.8M
Return on equity
5.4%
Efficiency ratio
74.4%
Texas Community Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+54.0%
Yes. Sales grew 54.0% last year.
Does it make a profit?
17.3%
Yes. It keeps 17.3% of every sale as profit.
How lean are its costs?
74.4%
Costly. Running costs take 74.4% of revenue.
How much does it earn on its capital?
5.4%
Low. It earns 5.4% a year on shareholders’ money.
How is the share priced?
14.2x
One share costs 14.2 times its yearly profit per share.
What Texas Community Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 25, 2026
- Legal name
- Texas Community Bancshares, Inc.
- CIK
- 0001849466
Texas Community Bancshares, Inc. · TCBS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $10.1M | $12.2M | $11.4M | $10.6M | $16.4M |
| Revenue growth | 2.9% | 19.9% | −6.0% | −6.7% | 54.0% |
| Net interest income | $8.4M | $10.3M | $11.1M | $12.6M | $13.3M |
| Net income | $0.5M | $1.8M | −$0.7M | −$1.3M | $2.8M |
| Net margin | 5.1% | 14.4% | −6.4% | −12.3% | 17.3% |
| Diluted EPS | $0.17 | $0.58 | −$0.24 | −$0.44 | $1.00 |
| Cash | |||||
| Cash from operations | $1.8M | $3.1M | $2.3M | $1.9M | $1.4M |
| Capital expenditure | $0.1M | $0.4M | $5.6M | $1.2M | $0.4M |
| Free cash flow | $1.6M | $2.7M | −$3.3M | $0.7M | $1.0M |
| FCF margin | 16.0% | 22.5% | −29.0% | 7.0% | 5.9% |
| Dividends paid | — | — | $0.4M | $0.5M | $0.6M |
| Share buybacks | — | — | $2.2M | $1.6M | $3.2M |
| Share count change | — | 0.9% | 1.1% | −2.5% | −4.4% |
| Debt and strength | |||||
| Cash and short-term investments | $21.9M | $8.9M | $13.1M | $13.3M | $6.5M |
| Loans, net | $220M | $251M | $280M | $294M | $303M |
| Deposits | $275M | $296M | $317M | $336M | $328M |
| Shareholders' equity | $60.1M | $55.9M | $53.7M | $52.1M | $53.8M |
| Returns and quality | |||||
| Return on equity | 0.9% | 3.0% | −1.3% | −2.5% | 5.4% |
| Return on tangible equity | 0.9% | 3.2% | −1.4% | −2.5% | 5.3% |
| Efficiency ratio | 93.5% | 80.4% | 105.1% | 115.2% | 74.4% |
Insiders bought, 12 months
$0.3M
1 insider
Insiders sold, 12 months
$0.1M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Texas Community Bancshares, Inc. · TCBS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $17.23 a share, the company is worth $47.3M: 14.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001849466). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.