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 31, 2026 Currency USD FYE December

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).

Rhea AI TCBS FY2025 2026-05-07

FY2025's profit rebound reflects better balance-sheet efficiency and lower expense drag, not a larger asset base.

Across the last two years, revenue rose 18.5% while total assets fell 4.9%, so the return to profit points to better balance-sheet efficiency rather than simple expansion. That matters because ROA was only 0.7% in FY2025, yet ROE reached 5.3%; leverage is doing much of the work, not unusually high asset-level profitability.

FY2025 net income of $2.8M turned into only $1.4M of operating cash flow, so reported earnings improved faster than liquidity. It also looked more like a capital return year than a cash rebuild, because buybacks of $3.2M helped pull cash down to $6.5M.

The earnings recovery also coincided with lower interest expense at $9.2M and leaner overhead at $6.5M, suggesting the rebound depended on easing funding costs and tighter expense control as much as on revenue. Even after that improvement, the balance sheet still carries a leveraged posture near 7.0x debt to equity, so modest asset returns can move shareholder returns quickly in either direction.

Financial Health Signals

Financial Profile 14/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Texas Community Bancshares Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Texas Community Bancshares Inc's revenue grew a modest 0.2% year-over-year to $22.5M. This slow but positive growth earns a score of 48/100.

Leverage

Texas Community Bancshares Inc has elevated debt relative to equity (D/E of 7.00), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Texas Community Bancshares Inc's free cash flow margin of 4.3% results in a low score of 24/100. Capital expenditures of $394K absorb a large share of operating cash flow.

Returns

Texas Community Bancshares Inc generates a 5.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 15/100. This is up from -2.5% the prior year.

Piotroski F-Score Neutral

5/9

Texas Community Bancshares Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

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

$6.5M

YoY-51.5%

5Y CAGR-4.4%

Texas Community Bancshares Inc held $6.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.20

YoY+25.0%

Texas Community Bancshares Inc paid $0.20 per share in dividends in fiscal year 2025. This represents an increase of 25.0% from the prior year.

Shares Outstanding

YoY-6.5%

Texas Community Bancshares Inc had 3M shares outstanding in fiscal year 2025. This represents a decrease of 6.5% 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

5.3%

YoY+7.8pp

5Y CAGR+2.9pp

Texas Community Bancshares Inc's ROE was 5.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 7.8 percentage points from the prior year.

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-4.5%	$6.8M-3.2%	$7.1M+21.9%	$5.8M+12.7%	$5.1M+4.7%	$4.9M
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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$5.6M-4.3%	$5.8M+4.6%	$5.6M+1.6%	$5.5M-2.8%	$5.6M-0.3%	$5.7M-0.9%	$5.7M+0.4%	$5.7M
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	$1.6M-5.7%	$1.7M+11.3%	$1.6M-0.2%	$1.6M-5.1%	$1.7M-12.8%	$1.9M+16.0%	$1.6M-0.5%	$1.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.1M-6.3%	$2.3M-0.1%	$2.3M-0.6%	$2.3M-0.3%	$2.3M-6.3%	$2.5M-1.2%	$2.5M-0.4%	$2.5M
Income Tax	$119K-36.0%	$186K+116.3%	$86K-40.3%	$144K+35.8%	$106K+12.8%	$94K+6.8%	$88K+76.0%	$50K
Net Income	$836K-0.6%	$841K+23.7%	$680K+0.3%	$678K+5.4%	$643K+24.4%	$517K+0.4%	$515K+48.0%	$348K
EPS (Diluted)	$0.31	N/A	$0.24+4.3%	$0.23+4.5%	$0.22	N/A	$0.17+41.7%	$0.12

TCBS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$429.8M-3.1%	$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	$6.5M-51.5%	$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	$376.1M-3.9%	$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	$53.8M+3.2%	$52.1M-2.9%	$53.7M-3.9%	$55.9M-7.1%	$60.1M+88.3%	$31.9M
Retained Earnings	$32.4M+7.5%	$30.2M-5.7%	$32.0M-6.2%	$34.1M+5.4%	$32.3M+1.6%	$31.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$430.4M+0.1%	$429.8M-2.2%	$439.5M-1.0%	$444.1M+0.4%	$442.2M-0.3%	$443.5M-0.6%	$446.0M-1.2%	$451.6M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.5M+0.1%	$6.5M-47.1%	$12.2M+7.9%	$11.3M-4.5%	$11.8M-11.0%	$13.3M-25.1%	$17.8M-45.0%	$32.3M
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	$376.2M0.0%	$376.1M-2.6%	$385.9M-1.3%	$391.2M+0.5%	$389.5M-0.5%	$391.3M-0.5%	$393.3M-1.6%	$399.8M
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	$54.2M+0.9%	$53.8M+0.4%	$53.5M+1.3%	$52.9M+0.2%	$52.8M+1.2%	$52.1M-1.1%	$52.7M+1.8%	$51.8M
Retained Earnings	$33.1M+2.1%	$32.4M+1.9%	$31.8M+1.8%	$31.2M+1.8%	$30.7M+1.7%	$30.2M+1.3%	$29.8M+1.3%	$29.4M

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.6M+432.5%	$302K-81.0%	$1.6M+58.0%	$1.0M+165.7%	-$1.5M-2016.3%	$80K-90.2%	$816K+102.0%	$404K
Capital Expenditures	$1.8M+1157.7%	$142K+264.1%	$39K-78.9%	$185K+560.7%	$28K+211.1%	$9K-18.2%	$11K-94.4%	$195K
Free Cash Flow	-$178K-211.2%	$160K-89.7%	$1.6M+88.8%	$822K+152.7%	-$1.6M-2298.6%	$71K-91.2%	$805K+285.2%	$209K
Investing Cash Flow	-$1.4M-132.3%	$4.4M-25.9%	$5.9M+411.5%	-$1.9M-170.3%	-$701K-1360.4%	-$48K+99.4%	-$8.5M-135.5%	$24.0M
Financing Cash Flow	-$192K+98.2%	-$10.4M-57.6%	-$6.6M-1929.9%	$361K-52.9%	$766K+117.0%	-$4.5M+34.2%	-$6.8M+47.8%	-$13.1M
Dividends Paid	$143K-38.6%	$233K+97.5%	$118K-0.8%	$119K-3.3%	$123K-0.8%	$124K-0.8%	$125K-1.6%	$127K
Share Buybacks	$495K-39.3%	$816K-18.9%	$1.0M+18.9%	$846K+70.9%	$495K-14.1%	$576K+37.8%	$418K-2.8%	$430K

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	5.3%+7.8pp	-2.5%-1.1pp	-1.4%-4.5pp	3.1%+2.3pp	0.9%-1.5pp	2.4%
Return on Assets	0.7%+0.9pp	-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	7.00-0.5	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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	15.0%+0.6pp	14.4%+2.2pp	12.2%-0.2pp	12.4%+1.0pp	11.4%+2.3pp	9.2%+0.1pp	9.0%+2.9pp	6.1%
Return on Equity	1.5%-0.0pp	1.6%+0.3pp	1.3%-0.0pp	1.3%+0.1pp	1.2%+0.2pp	1.0%+0.0pp	1.0%+0.3pp	0.7%
Return on Assets	0.2%-0.0pp	0.2%+0.1pp	0.1%0.0pp	0.1%0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.94-0.1	7.00-0.2	7.21-0.2	7.40+0.0	7.38-0.1	7.51+0.0	7.46-0.3	7.72
FCF Margin	-3.2%-5.9pp	2.8%-25.1pp	27.9%+12.9pp	15.0%+42.7pp	-27.7%-29.0pp	1.3%-12.9pp	14.1%+10.4pp	3.7%

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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 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 return on equity (ROE)?

Texas Community Bancshares Inc (TCBS) has a return on equity of 5.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

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 total assets?

Texas Community Bancshares Inc (TCBS) had $429.8M in total assets as of fiscal year 2025, including both current and long-term assets.

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.

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

Texas Community Bancshares Inc (TCBS) had a debt-to-equity ratio of 7.00 as of fiscal year 2025, 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 0.7% for fiscal year 2025, 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 5 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 to 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 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.

How financially healthy is Texas Community Bancshares Inc?

Texas Community Bancshares Inc (TCBS) scores 14 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.