Texas Community Bancshares Inc Financials
Texas Community Bancshares Inc (TCBS) reported $22.5M in revenue for fiscal year 2025, up 0.2% from the prior fiscal year. This page shows its 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).
FY2025's profit rebound reflects better balance-sheet efficiency and lower expense drag, not a larger asset base.
Across the last two years, revenue rose18.5% while total assets fell4.9% , so the return to profit points to better balance-sheet efficiency rather than simple expansion. That matters because ROA was only0.7% in FY2025, yet ROE reached5.3% ; leverage is doing much of the work, not unusually high asset-level profitability.
FY2025 net income of
The earnings recovery also coincided with lower interest expense at
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Texas Community Bancshares Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Texas Community Bancshares Inc generated $22.5M in revenue in fiscal year 2025. This represents an increase of 0.2% from the prior year.
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.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Texas Community Bancshares Inc held $6.5M in cash as of fiscal year 2025; long-term debt is not reported for that period.
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.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
TCBS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|---|
| Revenue | $22.8M | $22.5M+0.2% | $22.5M+18.3% | $19.0M+51.0% | $12.6M+19.3% | $10.5M-2.5% | $10.8M |
| SG&A Expenses | $6.6M | $6.5M-4.5% | $6.8M-3.2% | $7.1M+21.9% | $5.8M+12.7% | $5.1M+4.7% | $4.9M |
| Interest Expense | $8.9M | $9.2M-7.3% | $9.9M+25.1% | $7.9M+246.6% | $2.3M+7.9% | $2.1M-15.7% | $2.5M |
| Income Tax | $568K | $522K+209.7% | -$476K-133.3% | -$204K-148.2% | $423K+354.8% | $93K-51.8% | $193K |
| Net Income | $3.3M | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TCBS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| 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 |
| Cash & Equivalents | $6.5M-51.5% | $13.3M+1.8% | $13.1M+46.3% | $8.9M-59.3% | $21.9M+171.5% | $8.1M |
| Total Liabilities | $376.1M-3.9% | $391.3M-1.8% | $398.4M+10.2% | $361.5M+18.6% | $304.7M+13.8% | $267.7M |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
TCBS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.9M | $1.4M-29.6% | $1.9M-15.2% | $2.3M-26.9% | $3.1M+78.1% | $1.8M-8.1% | $1.9M |
| Capital Expenditures | $2.6M | $394K-67.2% | $1.2M-78.6% | $5.6M+1325.2% | $393K+186.9% | $137K-83.0% | $806K |
| Free Cash Flow | $2.3M | $973K+31.5% | $740K+122.3% | -$3.3M-221.1% | $2.7M+68.9% | $1.6M+46.6% | $1.1M |
| Investing Cash Flow | -$3.9M | $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 | -$5.1M | -$15.9M-51.1% | -$10.5M-131.9% | $33.0M-41.1% | $56.1M-13.6% | $64.9M+112.4% | $30.5M |
| Dividends Paid | $667K | $593K+17.7% | $504K+37.0% | $368K | N/A | N/A | N/A |
| Share Buybacks | N/A | $3.2M+100.4% | $1.6M-28.2% | $2.2M | N/A | N/A | N/A |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TCBS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| 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% |
| Debt-to-Equity | 7.00-0.5x | 7.51+0.1x | 7.42+0.9x | 6.47+1.4x | 5.07-3.3x | 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% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
