Texas Community Bancshares Inc Financials

TCBS

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Piotroski F-Score Neutral

4/9

Texas Community Bancshares Inc passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

-1.49x

For every $1 of reported earnings, Texas Community Bancshares Inc generates $-1.49 in operating cash flow ($1.9M OCF vs -$1.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

This page shows Texas Community Bancshares Inc (TCBS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$22.5M

YoY+18.3%

Texas Community Bancshares Inc generated $22.5M in revenue in fiscal year 2024. This represents an increase of 18.3% from the prior year.

EBITDA

N/A

Free Cash Flow

$740K

YoY+122.3%

Texas Community Bancshares Inc generated $740K in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 122.3% from the prior year.

Net Income

-$1.3M

YoY-78.0%

Texas Community Bancshares Inc reported -$1.3M in net income in fiscal year 2024. This represents a decrease of 78.0% from the prior year.

EPS (Diluted)

$-0.44

YoY-83.3%

Texas Community Bancshares Inc earned $-0.44 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 83.3% from the prior year.

Cash & Debt

$13.3M

YoY+1.8%

Texas Community Bancshares Inc held $13.3M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.04

YoY+33.3%

Texas Community Bancshares Inc paid $0.04 per share in dividends in fiscal year 2024. This represents an increase of 33.3% from the prior year.

Shares Outstanding

YoY-2.7%

Texas Community Bancshares Inc had 3M shares outstanding in fiscal year 2024. This represents a decrease of 2.7% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-5.8%

YoY-1.9pp

Texas Community Bancshares Inc's net profit margin was -5.8% in fiscal year 2024, showing the share of revenue converted to profit. This is down 1.9 percentage points from the prior year.

Return on Equity

N/A

R&D Spending

N/A

Share Buybacks

$1.6M

YoY-28.2%

Texas Community Bancshares Inc spent $1.6M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 28.2% from the prior year.

Capital Expenditures

$1.2M

YoY-78.6%

Texas Community Bancshares Inc invested $1.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 78.6% from the prior year.

TCBS Income Statement

Metric	FY24	FY23	FY22	FY21	FY20
Revenue	$22.5M+18.3%	$19.0M+51.0%	$12.6M+19.3%	$10.5M-2.5%	$10.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$9.9M+25.1%	$7.9M+246.6%	$2.3M+7.9%	$2.1M-15.7%	$2.5M
Income Tax	-$476K-133.3%	-$204K-148.2%	$423K+354.8%	$93K-51.8%	$193K
Net Income	-$1.3M-78.0%	-$733K-141.8%	$1.8M+238.6%	$518K-30.8%	$749K
EPS (Diluted)	$-0.44-83.3%	$-0.24-141.4%	$0.58+241.2%	$0.17	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$5.6M+1.6%	$5.5M-2.8%	$5.6M-0.3%	$5.7M-0.5%	$5.7M+4.9%	$5.4M+1.9%	$5.3M+6.9%	$5.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.3M-0.6%	$2.3M-0.3%	$2.3M-6.3%	$2.5M-1.5%	$2.5M+1.8%	$2.5M+3.1%	$2.4M+11.7%	$2.1M
Income Tax	$86K-40.3%	$144K+35.8%	$106K+12.8%	$94K+88.0%	$50K+107.1%	-$708K-972.7%	-$66K-156.4%	$117K
Net Income	$680K+0.3%	$678K+5.4%	$643K+24.4%	$517K+48.6%	$348K+113.0%	-$2.7M-708.7%	-$332K-172.8%	$456K
EPS (Diluted)	$0.24+4.3%	$0.23+4.5%	$0.22+37.5%	$0.16+33.3%	$0.12+113.5%	$-0.89-709.1%	$-0.11-173.3%	$0.15

TCBS Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20
Total Assets	$443.5M-1.9%	$452.0M+8.3%	$417.3M+14.4%	$364.8M+21.8%	$299.6M
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$13.3M+1.8%	$13.1M+46.3%	$8.9M-59.3%	$21.9M+171.5%	$8.1M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$391.3M-1.8%	$398.4M+10.2%	$361.5M+18.6%	$304.7M+13.8%	$267.7M
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$52.1M-2.9%	$53.7M-3.9%	$55.9M-7.1%	$60.1M+88.3%	$31.9M
Retained Earnings	$30.2M-5.7%	$32.0M-6.2%	$34.1M+5.4%	$32.3M+1.6%	$31.8M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$439.5M-1.0%	$444.1M+0.4%	$442.2M-0.3%	$443.5M-1.8%	$451.6M-2.6%	$463.8M+2.6%	$452.0M+3.5%	$436.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$12.2M+7.9%	$11.3M-4.5%	$11.8M-11.0%	$13.3M-58.8%	$32.3M+53.8%	$21.0M+60.7%	$13.1M+5.1%	$12.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$385.9M-1.3%	$391.2M+0.5%	$389.5M-0.5%	$391.3M-2.1%	$399.8M-3.0%	$412.3M+3.5%	$398.4M+3.9%	$383.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$53.5M+1.3%	$52.9M+0.2%	$52.8M+1.2%	$52.1M+0.6%	$51.8M+0.6%	$51.5M-4.1%	$53.7M+0.8%	$53.3M
Retained Earnings	$31.8M+1.8%	$31.2M+1.8%	$30.7M+1.7%	$30.2M+2.7%	$29.4M+0.8%	$29.2M-8.8%	$32.0M-1.3%	$32.4M

TCBS Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.9M-15.2%	$2.3M-26.9%	$3.1M+78.1%	$1.8M-8.1%	$1.9M
Capital Expenditures	$1.2M-78.6%	$5.6M+1325.2%	$393K+186.9%	$137K-83.0%	$806K
Free Cash Flow	$740K+122.3%	-$3.3M-221.1%	$2.7M+68.9%	$1.6M+46.6%	$1.1M
Investing Cash Flow	$8.8M+128.3%	-$31.2M+56.8%	-$72.2M-36.7%	-$52.8M-76.5%	-$29.9M
Financing Cash Flow	-$10.5M-131.9%	$33.0M-41.1%	$56.1M-13.6%	$64.9M+112.4%	$30.5M
Dividends Paid	$504K+37.0%	$368K	N/A	N/A	N/A
Share Buybacks	$1.6M-28.2%	$2.2M	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$1.6M+58.0%	$1.0M+165.7%	-$1.5M-2016.3%	$80K-80.2%	$404K-37.0%	$641K+194.0%	-$682K-146.4%	$1.5M
Capital Expenditures	$39K-78.9%	$185K+560.7%	$28K+211.1%	$9K-95.4%	$195K-80.2%	$986K-20.5%	$1.2M+19.8%	$1.0M
Free Cash Flow	$1.6M+88.8%	$822K+152.7%	-$1.6M-2298.6%	$71K-66.0%	$209K+160.6%	-$345K+82.1%	-$1.9M-542.1%	$435K
Investing Cash Flow	$5.9M+411.5%	-$1.9M-170.3%	-$701K-1360.4%	-$48K-100.2%	$24.0M+461.6%	-$6.6M+48.2%	-$12.8M-343.9%	-$2.9M
Financing Cash Flow	-$6.6M-1929.9%	$361K-52.9%	$766K+117.0%	-$4.5M+65.7%	-$13.1M-194.1%	$13.9M-1.5%	$14.1M+273.0%	$3.8M
Dividends Paid	$118K-0.8%	$119K-3.3%	$123K-0.8%	$124K-2.4%	$127K-0.8%	$128K+24.3%	$103K+6.2%	$97K
Share Buybacks	$1.0M+18.9%	$846K+70.9%	$495K-14.1%	$576K+34.0%	$430K+179.2%	$154K-75.3%	$623K-35.5%	$966K

TCBS Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	-5.8%-1.9pp	-3.9%-17.8pp	14.0%+9.0pp	4.9%-2.0pp	6.9%
Return on Equity	N/A	N/A	3.1%+2.3pp	0.9%-1.5pp	2.4%
Return on Assets	-0.3%-0.1pp	-0.2%-0.6pp	0.4%+0.3pp	0.1%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.51+0.1	7.42+0.9	6.47+1.4	5.07-3.3	8.38
FCF Margin	3.3%+20.8pp	-17.5%-39.2pp	21.8%+6.4pp	15.4%+5.1pp	10.2%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.2%-0.2pp	12.4%+1.0pp	11.4%+2.3pp	9.2%+3.0pp	6.1%+55.7pp	-49.6%-43.3pp	-6.2%-15.4pp	9.2%
Return on Equity	1.3%-0.0pp	1.3%+0.1pp	1.2%+0.2pp	1.0%+0.3pp	0.7%	N/A	N/A	0.9%
Return on Assets	0.1%0.0pp	0.1%0.0pp	0.1%+0.0pp	0.1%+0.0pp	0.1%+0.7pp	-0.6%-0.5pp	-0.1%-0.2pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.21-0.2	7.40+0.0	7.38-0.1	7.51-0.2	7.72-0.3	8.01+0.6	7.42+0.2	7.20
FCF Margin	27.9%+12.9pp	15.0%+42.7pp	-27.7%-29.0pp	1.3%-2.4pp	3.7%+10.1pp	-6.4%+29.8pp	-36.2%-44.9pp	8.7%

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Frequently Asked Questions

What is Texas Community Bancshares Inc's annual revenue?

Texas Community Bancshares Inc (TCBS) reported $22.5M in total revenue for fiscal year 2024. This represents a 18.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Texas Community Bancshares Inc's revenue growing?

Texas Community Bancshares Inc (TCBS) revenue grew by 18.3% year-over-year, from $19.0M to $22.5M in fiscal year 2024.

Is Texas Community Bancshares Inc profitable?

No, Texas Community Bancshares Inc (TCBS) reported a net income of -$1.3M in fiscal year 2024, with a net profit margin of -5.8%.

What is Texas Community Bancshares Inc's earnings per share (EPS)?

Texas Community Bancshares Inc (TCBS) reported diluted earnings per share of $-0.44 for fiscal year 2024. This represents a -83.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Texas Community Bancshares Inc's net profit margin?

Texas Community Bancshares Inc (TCBS) had a net profit margin of -5.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Texas Community Bancshares Inc pay dividends?

Yes, Texas Community Bancshares Inc (TCBS) paid $0.04 per share in dividends during fiscal year 2024.

What is Texas Community Bancshares Inc's free cash flow?

Texas Community Bancshares Inc (TCBS) generated $740K in free cash flow during fiscal year 2024. This represents a 122.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Texas Community Bancshares Inc's operating cash flow?

Texas Community Bancshares Inc (TCBS) generated $1.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Texas Community Bancshares Inc's total assets?

Texas Community Bancshares Inc (TCBS) had $443.5M in total assets as of fiscal year 2024, including both current and long-term assets.

What are Texas Community Bancshares Inc's capital expenditures?

Texas Community Bancshares Inc (TCBS) invested $1.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Texas Community Bancshares Inc buy back shares?

Yes, Texas Community Bancshares Inc (TCBS) spent $1.6M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Texas Community Bancshares Inc have outstanding?

Texas Community Bancshares Inc (TCBS) had 3M shares outstanding as of fiscal year 2024.

What is Texas Community Bancshares Inc's debt-to-equity ratio?

Texas Community Bancshares Inc (TCBS) had a debt-to-equity ratio of 7.51 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Texas Community Bancshares Inc's return on assets (ROA)?

Texas Community Bancshares Inc (TCBS) had a return on assets of -0.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Texas Community Bancshares Inc's Piotroski F-Score?

Texas Community Bancshares Inc (TCBS) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Texas Community Bancshares Inc's earnings high quality?

Texas Community Bancshares Inc (TCBS) has an earnings quality ratio of -1.49x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.