TCBS
Texas Community Bancshares, Inc.
Price Chart
Latest Quote
$17.78
+0.60 (+3.49%)
Current Price
| Previous Close | $17.18 |
| Open | $17.44 |
| Day High | $17.80 |
| Day Low | $17.44 |
| Volume | 2,322 |
Stock Information
| Shares Outstanding | 2.89M |
| Total Debt | $41.57M |
| Cash Equivalents | $16.54M |
| Revenue | $16.01M |
| Net Income | $3.04M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $51.30M |
| P/E Ratio | 16.31 |
| EPS (TTM) | $1.09 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $71.88M |
| Sales | $16.01M |
| Income | $3.04M |
| Book/sh | $20.08 |
| Cash/sh | $5.73 |
| Employees | 61 |
Financial Ratios
| EPS Growth TTM | 30.00% |
Returns & Margins
| ROA | 0.70% |
| ROE | 5.67% |
| Operating Margin | 23.16% |
| Profit Margin | 18.96% |
Ownership
| Insider Ownership | 24.29% |
| Institutional Ownership | 14.37% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 3.20 |
| P/B | 0.89 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $16.96 |
| SMA50 | $16.88 |
| SMA200 | $16.55 |
| RSI | 70.40 |
| ATR | 0.3689 |
| Shares Float | 2.08M |
| Short Float | 0.11% |
| Short Ratio | 1.15 |
| Volatility | -0.02 |
| Rel Volume | 0.43 |
Performance History
| Week | +3.43% |
| Month | +6.33% |
| Quarter | +9.74% |
| 6 Months | +8.80% |
| YTD | -0.46% |
| Year | +12.14% |
| 3 Years | +53.45% |
| 10 Years | +22.57% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $17.78 | 2,322 |
| 2026-06-17 | $17.18 | 3,600 |
| 2026-06-16 | $17.35 | 5,400 |
| 2026-06-15 | $17.50 | 6,900 |
| 2026-06-12 | $17.30 | 15,500 |
| 2026-06-11 | $17.19 | 1,000 |
| 2026-06-10 | $16.99 | 22,000 |
| 2026-06-09 | $16.78 | 2,800 |
| 2026-06-08 | $16.80 | 4,400 |
| 2026-06-05 | $16.90 | 7,300 |
| 2026-06-04 | $16.73 | 7,000 |
| 2026-06-03 | $16.90 | 1,100 |
| 2026-06-02 | $16.76 | 2,100 |
| 2026-06-01 | $16.94 | 300 |
| 2026-05-29 | $16.69 | 9,400 |
| 2026-05-28 | $16.79 | 5,300 |
| 2026-05-27 | $16.72 | 5,700 |
| 2026-05-26 | $16.89 | 1,800 |
| 2026-05-22 | $16.69 | 2,200 |
| 2026-05-21 | $16.25 | 2,600 |
| 2026-05-20 | $16.52 | 800 |
| 2026-05-19 | $16.72 | 0 |
About Texas Community Bancshares, Inc.
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
đ° Latest News
Anthony Scavuzzo Bought 23% More Shares In Texas Community Bancshares
Simply Wall St. âĸ 2026-06-12T12:18:24Z
If EPS Growth Is Important To You, Texas Community Bancshares (NASDAQ:TCBS) Presents An Opportunity
Simply Wall St. âĸ 2026-05-25T12:54:54Z
There's A Lot To Like About Texas Community Bancshares' (NASDAQ:TCBS) Upcoming US$0.08 Dividend
Simply Wall St. âĸ 2025-11-28T11:01:11Z
Texas Community Bancshares Second Quarter 2025 Earnings: EPS: US$0.24 (vs US$0.12 in 2Q 2024)
Simply Wall St. âĸ 2025-08-03T14:08:18Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $16,393,000 | $10,934,000 | $11,417,000 | $12,145,000 |
| Operating Revenue | $16,393,000 | $10,934,000 | $11,417,000 | $12,145,000 |
| Expenses | ||||
| Interest Expense | $9,177,000 | $9,902,000 | $7,914,000 | $2,283,000 |
| General And Administrative Expense | $6,780,000 | $7,144,000 | $7,468,000 | $6,181,000 |
| Other Non Interest Expense | $4,320,000 | $4,023,000 | $3,694,000 | $2,816,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Net Interest Income | $13,147,000 | $12,329,000 | $10,905,000 | $10,245,000 |
| Interest Income | $22,324,000 | $22,231,000 | $18,819,000 | $12,528,000 |
| Normalized Income | $2,439,875 | $-1,064,543 | $-757,251 | $1,715,317 |
| Net Income From Continuing And Discontinued Operation | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Net Income Common Stockholders | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Net Income | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Net Income Including Noncontrolling Interests | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Net Income Continuous Operations | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Pretax Income | $3,364,000 | $-1,781,000 | $-937,000 | $2,177,000 |
| Special Income Charges | $0 | $-287,000 | $-1,000 | $6,000 |
| Per Share | ||||
| Diluted EPS | $1.00 | $-0.45 | $-0.24 | $0.58 |
| Basic EPS | $1.04 | $-0.45 | $-0.24 | $0.58 |
| Other | ||||
| Tax Effect Of Unusual Items | $73,875 | $-87,543 | $6,749 | $9,317 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $476,000 | $-328,000 | $31,000 | $48,000 |
| Total Unusual Items Excluding Goodwill | $476,000 | $-328,000 | $31,000 | $48,000 |
| Reconciled Depreciation | $593,000 | $572,000 | $422,000 | $431,000 |
| Diluted Average Shares | $2,855,459 | $2,986,015 | $3,062,517 | $3,028,214 |
| Basic Average Shares | $2,727,212 | $2,915,402 | $3,062,517 | $3,028,214 |
| Diluted NI Availto Com Stockholders | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Tax Provision | $522,000 | $-476,000 | $-204,000 | $423,000 |
| Gain On Sale Of Security | $315,000 | $190,000 | $-1,734,000 | $-29,000 |
| Selling General And Administration | $6,780,000 | $7,144,000 | $7,468,000 | $6,181,000 |
| Salaries And Wages | $6,780,000 | $7,144,000 | $7,468,000 | $6,181,000 |
| Occupancy And Equipment | $1,098,000 | $1,103,000 | $835,000 | $769,000 |
| Other Special Charges | - | $287,000 | $1,000 | $-6,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-06
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $53,757,000 | $51,976,000 | $53,424,000 | $55,473,000 |
| Total Assets | $429,842,000 | $443,457,000 | $452,044,000 | $417,346,000 |
| Goodwill And Other Intangible Assets | $0 | $132,000 | $265,000 | $397,000 |
| Receivables | $3,107,000 | $3,211,000 | $1,764,000 | $1,391,000 |
| Other Receivables | $1,447,000 | $1,539,000 | $64,000 | $64,000 |
| Accounts Receivable | $1,660,000 | $1,672,000 | $1,700,000 | $1,327,000 |
| Cash And Cash Equivalents | $9,385,000 | $13,735,000 | $17,710,000 | $8,952,000 |
| Cash Financial | $3,876,000 | $4,015,000 | $5,412,000 | $6,897,000 |
| Cash Cash Equivalents And Federal Funds Sold | $14,732,000 | $26,725,000 | $29,267,000 | $13,787,000 |
| Other Intangible Assets | - | $132,000 | $265,000 | $397,000 |
| Debt | ||||
| Net Debt | $36,284,000 | $36,143,000 | $59,186,000 | $53,542,000 |
| Total Debt | $45,669,000 | $49,878,000 | $76,896,000 | $62,494,000 |
| Long Term Debt And Capital Lease Obligation | $45,669,000 | $49,878,000 | $76,896,000 | $62,494,000 |
| Long Term Debt | $45,669,000 | $49,878,000 | $76,896,000 | $62,494,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $376,085,000 | $391,349,000 | $398,355,000 | $361,476,000 |
| Payables And Accrued Expenses | - | - | - | $2,905,000 |
| Equity | ||||
| Common Stock Equity | $53,757,000 | $52,108,000 | $53,689,000 | $55,870,000 |
| Total Equity Gross Minority Interest | $53,757,000 | $52,108,000 | $53,689,000 | $55,870,000 |
| Stockholders Equity | $53,757,000 | $52,108,000 | $53,689,000 | $55,870,000 |
| Other Equity Interest | $-1,884,000 | $-2,039,000 | $-2,197,000 | $-2,346,000 |
| Gains Losses Not Affecting Retained Earnings | $-3,063,000 | $-4,766,000 | $-5,592,000 | $-6,999,000 |
| Other Equity Adjustments | $-3,063,000 | $-4,766,000 | $-5,592,000 | $-6,999,000 |
| Retained Earnings | $32,412,000 | $30,163,000 | $31,972,000 | $34,083,000 |
| Other | ||||
| Treasury Shares Number | $667,622 | $486,126 | $394,557 | - |
| Ordinary Shares Number | $2,887,275 | $2,884,299 | $2,955,711 | $3,296,843 |
| Share Issued | $3,554,897 | $3,370,425 | $3,350,268 | $3,296,843 |
| Tangible Book Value | $53,757,000 | $51,976,000 | $53,424,000 | $55,473,000 |
| Invested Capital | $99,426,000 | $101,986,000 | $130,585,000 | $118,364,000 |
| Total Capitalization | $99,426,000 | $101,986,000 | $130,585,000 | $118,364,000 |
| Treasury Stock | $6,940,000 | $3,777,000 | $2,199,000 | $0 |
| Additional Paid In Capital | $33,198,000 | $32,493,000 | $31,671,000 | $31,099,000 |
| Capital Stock | $34,000 | $34,000 | $34,000 | $33,000 |
| Common Stock | $34,000 | $34,000 | $34,000 | $33,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $78,176,000 | $97,285,000 | $119,347,000 | $134,980,000 |
| Held To Maturity Securities | $18,283,000 | $22,096,000 | $26,020,000 | $27,827,000 |
| Available For Sale Securities | $18,355,000 | - | - | - |
| Net PPE | $11,459,000 | $11,526,000 | $11,609,000 | $6,299,000 |
| Accumulated Depreciation | $-6,657,000 | $-6,212,000 | $-5,882,000 | $-5,595,000 |
| Gross PPE | $18,116,000 | $17,738,000 | $17,491,000 | $11,894,000 |
| Machinery Furniture Equipment | $3,399,000 | $3,149,000 | $3,083,000 | $2,610,000 |
| Buildings And Improvements | $12,694,000 | $12,535,000 | $7,740,000 | $7,930,000 |
| Land And Improvements | $2,023,000 | $2,054,000 | $2,608,000 | $1,351,000 |
| Other Short Term Investments | $41,538,000 | $75,189,000 | $93,327,000 | $107,153,000 |
| Construction In Progress | - | $0 | $4,060,000 | $3,000 |
| Current Accrued Expenses | - | - | - | $2,905,000 |
Fetched: 2026-06-06
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $973,000 | $740,000 | $-3,313,000 | $2,736,000 |
| Operating Activities | ||||
| Operating Cash Flow | $1,367,000 | $1,941,000 | $2,288,000 | $3,129,000 |
| Cash Flow From Continuing Operating Activities | $1,367,000 | $1,941,000 | $2,288,000 | $3,129,000 |
| Operating Gains Losses | $44,000 | $3,730,000 | $1,690,000 | $-5,000 |
| Investing Activities | ||||
| Capital Expenditure | $-394,000 | $-1,201,000 | $-5,601,000 | $-393,000 |
| Investing Cash Flow | $7,682,000 | $8,802,000 | $-31,154,000 | $-72,184,000 |
| Cash Flow From Continuing Investing Activities | $7,682,000 | $8,802,000 | $-31,154,000 | $-72,184,000 |
| Net Other Investing Changes | $1,568,000 | $-1,332,000 | $-1,027,000 | $-456,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-3,163,000 | $-1,578,000 | $-2,199,000 | $0 |
| Financing Cash Flow | $-15,889,000 | $-10,513,000 | $32,999,000 | $56,067,000 |
| Cash Flow From Continuing Financing Activities | $-15,889,000 | $-10,513,000 | $32,999,000 | $56,067,000 |
| Cash Dividends Paid | $-593,000 | $-504,000 | $-368,000 | $0 |
| Common Stock Dividend Paid | $-593,000 | $-504,000 | $-368,000 | $0 |
| Net Common Stock Issuance | $-3,163,000 | $-1,578,000 | $-2,199,000 | $0 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-20,261,000 | $-32,070,000 | $-18,799,000 | $-157,577,000 |
| Issuance Of Debt | $16,052,000 | $5,052,000 | $33,201,000 | $192,500,000 |
| Interest Paid Supplemental Data | $9,254,000 | $9,924,000 | $7,730,000 | $2,079,000 |
| End Cash Position | $6,450,000 | $13,290,000 | $13,060,000 | $8,927,000 |
| Beginning Cash Position | $13,290,000 | $13,060,000 | $8,927,000 | $21,915,000 |
| Changes In Cash | $-6,840,000 | $230,000 | $4,133,000 | $-12,988,000 |
| Common Stock Payments | $-3,163,000 | $-1,578,000 | $-2,199,000 | $0 |
| Net Issuance Payments Of Debt | $-4,209,000 | $-27,018,000 | $14,402,000 | $34,923,000 |
| Net Long Term Debt Issuance | $-4,209,000 | $-27,018,000 | $14,402,000 | $34,923,000 |
| Long Term Debt Payments | $-20,261,000 | $-32,070,000 | $-18,799,000 | $-157,577,000 |
| Long Term Debt Issuance | $16,052,000 | $5,052,000 | $33,201,000 | $192,500,000 |
| Net Investment Purchase And Sale | $21,486,000 | $22,925,000 | $15,608,000 | $-52,939,000 |
| Sale Of Investment | $75,204,000 | $42,319,000 | $28,008,000 | $22,354,000 |
| Purchase Of Investment | $-53,718,000 | $-19,394,000 | $-12,400,000 | $-75,293,000 |
| Net PPE Purchase And Sale | $-394,000 | $-1,201,000 | $-5,601,000 | $-377,000 |
| Purchase Of PPE | $-394,000 | $-1,201,000 | $-5,601,000 | $-393,000 |
| Change In Working Capital | $-3,410,000 | $-1,700,000 | $256,000 | $145,000 |
| Change In Other Current Assets | $-229,000 | $-724,000 | $-160,000 | $-174,000 |
| Change In Payables And Accrued Expense | $-3,212,000 | $-785,000 | $817,000 | $715,000 |
| Change In Accrued Expense | $-3,212,000 | $-785,000 | $817,000 | $715,000 |
| Change In Receivables | $31,000 | $-191,000 | $-401,000 | $-396,000 |
| Changes In Account Receivables | $31,000 | $-191,000 | $-401,000 | $-396,000 |
| Other Non Cash Items | $-649,000 | $-92,000 | $-145,000 | $-147,000 |
| Stock Based Compensation | $860,000 | $980,000 | $721,000 | $297,000 |
| Amortization Of Securities | $-149,000 | $74,000 | $-47,000 | $421,000 |
| Deferred Tax | $405,000 | $-476,000 | $-232,000 | $25,000 |
| Deferred Income Tax | $405,000 | $-476,000 | $-232,000 | $25,000 |
| Depreciation Amortization Depletion | $593,000 | $572,000 | $422,000 | $431,000 |
| Depreciation And Amortization | $593,000 | $572,000 | $422,000 | $431,000 |
| Gain Loss On Investment Securities | $-274,000 | $-190,000 | $1,734,000 | $29,000 |
| Gain Loss On Sale Of PPE | $0 | $287,000 | $1,000 | $-6,000 |
| Net Income From Continuing Operations | $2,842,000 | $-1,305,000 | $-733,000 | $1,754,000 |
| Income Tax Paid Supplemental Data | - | $21,000 | $120,000 | $350,000 |
| Sale Of PPE | - | - | $0 | $16,000 |
Fetched: 2026-06-06