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

Texas Community Bancshares Inc (TCBS) reported diluted earnings per share of $1.00 for fiscal year 2025. This represents a 327.3% 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.

Texas Community Bancshares Inc Financials

TCBS

Source SEC Filings (10-K/10-Q) Updated Mar 25, 2026 Currency USD FYE March

This page shows Texas Community Bancshares Inc (TCBS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 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).

Financial Health Signals

Earnings Quality Low Quality

0.48x

For every $1 of reported earnings, Texas Community Bancshares Inc generates $0.48 in operating cash flow ($1.4M OCF vs $2.8M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$22.5M

YoY+0.2%

5Y CAGR+15.8%

Texas Community Bancshares Inc generated $22.5M in revenue in fiscal year 2025. This represents an increase of 0.2% from the prior year.

EBITDA

N/A

Net Income

$2.8M

YoY+317.8%

5Y CAGR+30.6%

Texas Community Bancshares Inc reported $2.8M in net income in fiscal year 2025. This represents an increase of 317.8% from the prior year.

EPS (Diluted)

$1.00

YoY+327.3%

Texas Community Bancshares Inc earned $1.00 per diluted share (EPS) in fiscal year 2025. This represents an increase of 327.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$973K

YoY+31.5%

5Y CAGR-2.5%

Texas Community Bancshares Inc generated $973K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 31.5% from the prior year.

Cash & Debt

N/A

Dividends Per Share

$0.20

YoY+400.0%

Texas Community Bancshares Inc paid $0.20 per share in dividends in fiscal year 2025. This represents an increase of 400.0% from the prior year.

Shares Outstanding

YoY-6.6%

Texas Community Bancshares Inc had 3M shares outstanding in fiscal year 2025. This represents a decrease of 6.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

12.6%

YoY+18.4pp

5Y CAGR+5.7pp

Texas Community Bancshares Inc's net profit margin was 12.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 18.4 percentage points from the prior year.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

$3.2M

YoY+100.4%

Texas Community Bancshares Inc spent $3.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 100.4% from the prior year.

Capital Expenditures

$394K

YoY-67.2%

5Y CAGR-13.3%

Texas Community Bancshares Inc invested $394K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 67.2% from the prior year.

TCBS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$22.5M+0.2%	$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	N/A
Gross Profit	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
SG&A Expenses	$6.5M	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$9.2M-7.3%	$9.9M+25.1%	$7.9M+246.6%	$2.3M+7.9%	$2.1M-15.7%	$2.5M
Income Tax	$522K+209.7%	-$476K-133.3%	-$204K-148.2%	$423K+354.8%	$93K-51.8%	$193K
Net Income	$2.8M+317.8%	-$1.3M-78.0%	-$733K-141.8%	$1.8M+238.6%	$518K-30.8%	$749K
EPS (Diluted)	$1.00+327.3%	$-0.44-83.3%	$-0.24-141.4%	$0.58+241.2%	$0.17	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$5.6M+1.6%	$5.5M-2.8%	$5.6M-0.3%	$5.7M-0.9%	$5.7M+0.4%	$5.7M+4.9%	$5.4M+1.9%	$5.3M
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-1.2%	$2.5M-0.4%	$2.5M+1.8%	$2.5M+3.1%	$2.4M
Income Tax	$86K-40.3%	$144K+35.8%	$106K+12.8%	$94K+6.8%	$88K+76.0%	$50K+107.1%	-$708K-972.7%	-$66K
Net Income	$680K+0.3%	$678K+5.4%	$643K+24.4%	$517K+0.4%	$515K+48.0%	$348K+113.0%	-$2.7M-708.7%	-$332K
EPS (Diluted)	$0.24+4.3%	$0.23+4.5%	$0.22	N/A	$0.17+41.7%	$0.12+113.5%	$-0.89	N/A

TCBS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$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	N/A
Cash & Equivalents	N/A	$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	N/A
Accounts Receivable	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
Total Liabilities	N/A	$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	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	N/A	$52.1M-2.9%	$53.7M-3.9%	$55.9M-7.1%	$60.1M+88.3%	$31.9M
Retained Earnings	N/A	$30.2M-5.7%	$32.0M-6.2%	$34.1M+5.4%	$32.3M+1.6%	$31.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$439.5M-1.0%	$444.1M+0.4%	$442.2M-0.3%	$443.5M-0.6%	$446.0M-1.2%	$451.6M-2.6%	$463.8M+2.6%	$452.0M
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-25.1%	$17.8M-45.0%	$32.3M+53.8%	$21.0M+60.7%	$13.1M
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-0.5%	$393.3M-1.6%	$399.8M-3.0%	$412.3M+3.5%	$398.4M
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-1.1%	$52.7M+1.8%	$51.8M+0.6%	$51.5M-4.1%	$53.7M
Retained Earnings	$31.8M+1.8%	$31.2M+1.8%	$30.7M+1.7%	$30.2M+1.3%	$29.8M+1.3%	$29.4M+0.8%	$29.2M-8.8%	$32.0M

TCBS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.4M-29.6%	$1.9M-15.2%	$2.3M-26.9%	$3.1M+78.1%	$1.8M-8.1%	$1.9M
Capital Expenditures	$394K-67.2%	$1.2M-78.6%	$5.6M+1325.2%	$393K+186.9%	$137K-83.0%	$806K
Free Cash Flow	$973K+31.5%	$740K+122.3%	-$3.3M-221.1%	$2.7M+68.9%	$1.6M+46.6%	$1.1M
Investing Cash Flow	$7.7M-12.7%	$8.8M+128.3%	-$31.2M+56.8%	-$72.2M-36.7%	-$52.8M-76.5%	-$29.9M
Financing Cash Flow	-$15.9M-51.1%	-$10.5M-131.9%	$33.0M-41.1%	$56.1M-13.6%	$64.9M+112.4%	$30.5M
Dividends Paid	$593K+17.7%	$504K+37.0%	$368K	N/A	N/A	N/A
Share Buybacks	$3.2M+100.4%	$1.6M-28.2%	$2.2M	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.6M+58.0%	$1.0M+165.7%	-$1.5M-2016.3%	$80K-90.2%	$816K+102.0%	$404K-37.0%	$641K+194.0%	-$682K
Capital Expenditures	$39K-78.9%	$185K+560.7%	$28K+211.1%	$9K-18.2%	$11K-94.4%	$195K-80.2%	$986K-20.5%	$1.2M
Free Cash Flow	$1.6M+88.8%	$822K+152.7%	-$1.6M-2298.6%	$71K-91.2%	$805K+285.2%	$209K+160.6%	-$345K+82.1%	-$1.9M
Investing Cash Flow	$5.9M+411.5%	-$1.9M-170.3%	-$701K-1360.4%	-$48K+99.4%	-$8.5M-135.5%	$24.0M+461.6%	-$6.6M+48.2%	-$12.8M
Financing Cash Flow	-$6.6M-1929.9%	$361K-52.9%	$766K+117.0%	-$4.5M+34.2%	-$6.8M+47.8%	-$13.1M-194.1%	$13.9M-1.5%	$14.1M
Dividends Paid	$118K-0.8%	$119K-3.3%	$123K-0.8%	$124K-0.8%	$125K-1.6%	$127K-0.8%	$128K+24.3%	$103K
Share Buybacks	$1.0M+18.9%	$846K+70.9%	$495K-14.1%	$576K+37.8%	$418K-2.8%	$430K+179.2%	$154K-75.3%	$623K

TCBS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	12.6%+18.4pp	-5.8%-1.9pp	-3.9%-17.8pp	14.0%+9.0pp	4.9%-2.0pp	6.9%
Return on Equity	N/A	-2.5%-1.1pp	-1.4%-4.5pp	3.1%+2.3pp	0.9%-1.5pp	2.4%
Return on Assets	N/A	-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	N/A
Debt-to-Equity	N/A	7.51+0.1	7.42+0.9	6.47+1.4	5.07-3.3	8.38
FCF Margin	4.3%+1.0pp	3.3%+20.8pp	-17.5%-39.2pp	21.8%+6.4pp	15.4%+5.1pp	10.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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%+0.1pp	9.0%+2.9pp	6.1%+55.7pp	-49.6%-43.3pp	-6.2%
Return on Equity	1.3%-0.0pp	1.3%+0.1pp	1.2%+0.2pp	1.0%+0.0pp	1.0%+0.3pp	0.7%+5.9pp	-5.2%-4.6pp	-0.6%
Return on Assets	0.1%0.0pp	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%
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+0.0	7.46-0.3	7.72-0.3	8.01+0.6	7.42
FCF Margin	27.9%+12.9pp	15.0%+42.7pp	-27.7%-29.0pp	1.3%-12.9pp	14.1%+10.4pp	3.7%+10.1pp	-6.4%+29.8pp	-36.2%

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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 2025. This represents a 0.2% 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 0.2% year-over-year, from $22.5M to $22.5M in fiscal year 2025.

Is Texas Community Bancshares Inc profitable?

Yes, Texas Community Bancshares Inc (TCBS) reported a net income of $2.8M in fiscal year 2025, with a net profit margin of 12.6%.

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

Texas Community Bancshares Inc (TCBS) had a net profit margin of 12.6% in fiscal year 2025, 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 $0.20 per share in dividends during fiscal year 2025.

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

Texas Community Bancshares Inc (TCBS) generated $973K in free cash flow during fiscal year 2025. This represents a 31.5% 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 $1.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Texas Community Bancshares Inc's capital expenditures?

Texas Community Bancshares Inc (TCBS) invested $394K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Texas Community Bancshares Inc buy back shares?

Yes, Texas Community Bancshares Inc (TCBS) spent $3.2M on share buybacks during fiscal year 2025, 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 2025.

Are Texas Community Bancshares Inc's earnings high quality?

Texas Community Bancshares Inc (TCBS) has an earnings quality ratio of 0.48x, considered low quality (accrual-driven). 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.