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. (TCBS) Financials

TCBS

Trailing 12 months to June 30, 2026

Revenue $17.4M +2.7% YoY

Net Income $3.3M +41.4% YoY

EPS (Diluted) $1.21 +55.1% YoY

Free Cash Flow $2.3M +1593.4% YoY

Market Cap $48.8M as of Oct 6, 2026

Price / Sales 2.8x on $17.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.7x on $3.3M net income, trailing 12 months to June 30, 2026

Price / Book 0.9x on $55.2M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 11, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TCBS SEC filings page.

Texas Community Bancshares, Inc. (TCBS) reported $17.4M in revenue over the twelve months to Jun 30, 2026, up 2.7% from the prior twelve months. 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).

Rhea AI TCBS FY2025 2026-10-04

The 2025 profit rebound improved returns, but this remains a liability-heavy bank whose accounting earnings convert weakly into free cash.

Cash conversion is uneven: FY2025 net income was $2.8M, while operating cash flow was only $1.4M. That contrasts with FY2024, when operating cash flow reached $1.9M despite a reported loss, while FY2025 free cash flow was $973K—so earnings alone do not describe the cash economics.

The balance sheet remains heavily liability-funded: reported debt-to-equity was 7.0x in FY2025, down from 7.5x in FY2024. Equity was just $53.8M against $376.1M of liabilities, leaving returns highly sensitive to financing conditions.

Revenue reached $16.4M in FY2025 while total assets stood at $429.8M, indicating the year's improvement did not require a larger asset base. Capital deployment favored repurchases: buybacks of $3.2M exceeded dividends of $593K, directing more cash toward reducing the share base than distributions.

Financial Health Signals

Financial Health Score 36/100

Scored as: Banks peer group

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.

Earnings

Texas Community Bancshares, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.3% the prior year. Earnings ranks banks on that return over three years, and Texas Community Bancshares, Inc. scores 20/100 among other banks.

Growth

Texas Community Bancshares, Inc. reported revenue of $16.4M in fiscal year 2025, against $10.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Texas Community Bancshares, Inc. scores 79/100 among other banks.

Capital

Texas Community Bancshares, Inc. funded 12.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $53.8M of equity against $429.8M of assets. Capital ranks banks on that cushion, and Texas Community Bancshares, Inc. scores 64/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Texas Community Bancshares, Inc. scores 8/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Texas Community Bancshares, Inc. scores 38/100 on it among other banks.

Stability

Texas Community Bancshares, Inc. reported net income of $2.8M in fiscal year 2025, against a loss of $1.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Texas Community Bancshares, Inc. scores 8/100 among other banks.

Piotroski F-Score Partial

5/6

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.

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

Export CSV

Earnings & Revenue

Revenue

$4.4M

YoY+17.5%

QoQ+6.8%

5Y CAGR+12.1%

Texas Community Bancshares, Inc. generated $4.4M in revenue in Q2 2026. This represents an increase of 17.5% from the same quarter a year earlier. Against the prior quarter it is up 6.8%.

Net Income

$970K

YoY+43.1%

QoQ+16.0%

5Y CAGR+38.8%

Texas Community Bancshares, Inc. reported $970K in net income in Q2 2026. This represents an increase of 43.1% from the same quarter a year earlier. Against the prior quarter it is up 16.0%.

EPS (Diluted)

$0.35

YoY+52.2%

QoQ+12.9%

Texas Community Bancshares, Inc. earned $0.35 per diluted share (EPS) in Q2 2026. This represents an increase of 52.2% from the same quarter a year earlier. Against the prior quarter it is up 12.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$786K

YoY-4.4%

QoQ+541.6%

5Y CAGR+7.3%

Texas Community Bancshares, Inc. generated $786K in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 4.4% from the same quarter a year earlier. Against the prior quarter it is up 541.6%.

Cash & Debt

$7.2M

YoY-36.0%

QoQ+12.0%

5Y CAGR-30.8%

Texas Community Bancshares, Inc. held $7.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.06

YoY+50.0%

QoQ+20.0%

Texas Community Bancshares, Inc. paid $0.06 per share in dividends in Q2 2026. This represents an increase of 50.0% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.

Shares Outstanding

YoY-3.2%

QoQ-0.4%

5Y CAGR-2.5%

Texas Community Bancshares, Inc. had 3M shares outstanding in Q2 2026. This represents a decrease of 3.2% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.

Margins & Returns

Net Margin

22.0%

YoY+3.9pp

QoQ+1.7pp

5Y change+14.5pp

Texas Community Bancshares, Inc.'s net profit margin was 22.0% in Q2 2026, showing the share of revenue converted to profit. This is up 3.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.

Return on Equity

1.8%

YoY+0.5pp

QoQ+0.2pp

5Y change+1.2pp

Texas Community Bancshares, Inc.'s ROE was 1.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$585K

YoY+216.2%

QoQ-67.2%

5Y CAGR+54.7%

Texas Community Bancshares, Inc. invested $585K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 216.2% from the same quarter a year earlier. Against the prior quarter it is down 67.2%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

TCBS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Revenue	$17.4M	$16.4M+54.0%	$10.6M-6.7%	$11.4M-6.0%	$12.2M+19.9%	$10.1M+2.9%	$9.8M
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 (Basic)	N/A	$1.04+331.1%	-$0.45-87.5%	-$0.24-141.4%	$0.58+241.2%	$0.17	N/A
EPS (Diluted)	$1.21	$1.00+327.3%	-$0.44-83.3%	-$0.24-141.4%	$0.58+241.2%	$0.17	N/A
Diluted Shares (Avg)	N/A	3M-4.4%	3M-2.5%	3M+1.1%	3M+0.9%	3M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$4.4M+17.5%	$4.1M+8.9%	$4.4M-21.3%	$4.4M+17.7%	$3.8M+4.9%	$3.8M-30.0%	$5.7M+66.6%	$3.7M+8.9%
SG&A Expenses	$1.6M+4.5%	$1.6M-0.7%	$1.7M-8.1%	$1.6M-4.2%	$1.6M-4.6%	$1.7M-0.7%	$1.9M-11.2%	$1.6M-3.0%
Interest Expense	$2.1M-6.8%	$2.1M-7.2%	$2.3M-7.2%	$2.3M-8.1%	$2.3M-7.9%	$2.3M-6.1%	$2.5M+3.3%	$2.5M+16.7%
Income Tax	$177K+22.9%	$119K+12.3%	$186K+97.9%	$86K-2.3%	$144K+188.0%	$106K+115.0%	$94K+242.4%	$88K-24.8%
Net Income	$970K+43.1%	$836K+30.0%	$841K+62.7%	$680K+32.0%	$678K+94.8%	$643K+123.9%	$517K+255.7%	$515K+12.9%
EPS (Basic)	$0.37+54.2%	$0.32+45.5%	$0.33+94.1%	$0.25+38.9%	$0.24+100.0%	$0.22+124.4%	$0.17+254.5%	$0.18+20.0%
EPS (Diluted)	$0.35+52.2%	$0.31+40.9%	$0.31+93.8%	$0.24+41.2%	$0.23+91.7%	$0.22+124.7%	$0.16+245.5%	$0.17+13.3%
Diluted Shares (Avg)	3M-6.2%	3M-7.7%	N/A	3M-4.7%	3M-2.8%	3M-1.6%	N/A	3M-1.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TCBS Balance Sheet

TCBS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$444.3M+0.1%	$430.4M-2.7%	$429.8M-3.1%	$439.5M-1.5%	$444.1M-1.7%	$442.2M-4.7%	$443.5M-1.9%	$446.0M+2.1%
Cash & Equivalents	$7.2M-36.0%	$6.5M-45.4%	$6.5M-51.5%	$12.2M-31.4%	$11.3M-65.0%	$11.8M-43.7%	$13.3M+1.8%	$17.8M+42.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$389.1M-0.5%	$376.2M-3.4%	$376.1M-3.9%	$385.9M-1.9%	$391.2M-2.2%	$389.5M-5.5%	$391.3M-1.8%	$393.3M+2.6%
Total Equity	$55.2M+4.4%	$54.2M+2.8%	$53.8M+3.2%	$53.5M+1.6%	$52.9M+2.1%	$52.8M+2.5%	$52.1M-2.9%	$52.7M-1.0%
Retained Earnings	$33.9M+8.5%	$33.1M+7.9%	$32.4M+7.5%	$31.8M+6.8%	$31.2M+6.3%	$30.7M+5.2%	$30.2M-5.7%	$29.8M-8.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

TCBS Cash Flow Statement

TCBS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
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
Depreciation & Amortization	N/A	$461K+5.0%	$439K+51.4%	$290K-3.0%	$299K-2.0%	$305K+2.3%	$298K
Stock-Based Compensation	N/A	$607K-19.8%	$757K+43.4%	$528K+528.6%	$84K	N/A	N/A
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.4M+36.1%	$1.6M+204.9%	$302K+277.5%	$1.6M+95.0%	$1.0M+149.3%	-$1.5M-339.2%	$80K+111.7%	$816K-44.5%
Stock-Based Compensation	N/A	$37K-78.9%	N/A	N/A	N/A	$175K-38.8%	N/A	N/A
Capital Expenditures	$585K+216.2%	$1.8M+6278.6%	$142K+1477.8%	$39K+254.5%	$185K-5.1%	$28K-97.2%	$9K-99.3%	$11K-98.9%
Free Cash Flow	$786K-4.4%	-$178K+88.6%	$160K+125.4%	$1.6M+92.8%	$822K+293.3%	-$1.6M-352.5%	$71K+103.7%	$805K+85.1%
Investing Cash Flow	-$12.7M-572.1%	-$1.4M-101.4%	$4.4M+9214.6%	$5.9M+169.4%	-$1.9M-107.9%	-$701K+89.4%	-$48K+99.6%	-$8.5M-194.5%
Financing Cash Flow	$12.1M+3262.6%	-$192K-125.1%	-$10.4M-131.5%	-$6.6M+3.4%	$361K+102.8%	$766K-94.5%	-$4.5M-131.8%	-$6.8M-280.3%
Dividends Paid	$173K+45.4%	$143K+16.3%	$233K+87.9%	$118K-5.6%	$119K-6.3%	$123K-3.9%	$124K+20.4%	$125K+28.9%
Share Buybacks	N/A	N/A	$816K+41.7%	$1.0M+140.7%	$846K+96.7%	$495K+221.4%	$576K-7.5%	$418K-56.7%

Not reported in any period shown, so not listed: Depreciation & Amortization.

TCBS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K
Net Margin	17.3%+29.6pp	-12.3%-5.8pp	-6.4%-20.9pp	14.4%+9.3pp	5.1%-2.5pp	7.6%
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
Asset Turnover	0.040.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	5.9%-1.0pp	7.0%+36.0pp	-29.0%-51.5pp	22.5%+6.5pp	16.0%+4.8pp	11.2%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	22.0%+3.9pp	20.3%+3.3pp	18.9%+9.8pp	15.4%+1.7pp	18.1%+8.3pp	17.0%+66.5pp	9.2%+18.9pp	13.8%+0.5pp
Return on Equity	1.8%+0.5pp	1.5%+0.3pp	1.6%+0.6pp	1.3%+0.3pp	1.3%+0.6pp	1.2%+6.4pp	1.0%+1.6pp	1.0%+0.1pp
Return on Assets	0.2%+0.1pp	0.2%0.0pp	0.2%+0.1pp	0.1%0.0pp	0.1%+0.1pp	0.1%+0.7pp	0.1%+0.2pp	0.1%0.0pp
Debt-to-Equity	7.05-0.4x	6.94-0.4x	7.00-0.5x	7.21-0.3x	7.40-0.3x	7.38-0.6x	7.51+0.1x	7.46+0.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	17.8%-4.1pp	-4.3%+36.9pp	3.6%+2.3pp	35.2%+13.7pp	21.9%+16.1pp	-41.2%-34.8pp	1.3%+57.9pp	21.5%+8.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Texas Community Bancshares, Inc. TCBS	FY2025	$16.4M	$2.8M	17.3%	$48.8M	36/100
OptimumBank Holdings, Inc. OPHC	FY2025	$49.4M	$16.6M	33.7%	$108.6M	63/100
AmeriServ Financial Inc ASRV	FY2025	$59.3M	$5.6M	9.5%	$75.0M	22/100
Home Federal Bancorp, Inc. of Louisiana HFBL	FY2026	$24.5M	$6.2M	25.2%	$73.2M	33/100
BayFirst Financial Corp. BAFN	FY2025	$63.1M	-$24.6M	-39.0%	$209.0M	6/100
Marathon Bancorp, Inc. MBBC	FY2026	$9.0M	$1.8M	19.8%	$45.4M	36/100

Where Texas Community Bancshares, Inc. Ranks

Frequently Asked Questions

What is Texas Community Bancshares, Inc.'s annual revenue?

Texas Community Bancshares, Inc. (TCBS) reported $16.4M in total revenue for fiscal year 2025. This represents a 54.0% 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 54.0% year-over-year, from $10.6M to $16.4M 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 17.3%.

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

Texas Community Bancshares, Inc. (TCBS) had a net profit margin of 17.3% 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 P/E ratio?

Texas Community Bancshares, Inc. (TCBS) trades at 14.7x earnings, its market capitalization divided by net income of $3.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $48.8M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Texas Community Bancshares, Inc.'s price-to-sales ratio?

Texas Community Bancshares, Inc. (TCBS) trades at 2.8x sales, its market capitalization divided by revenue of $17.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $48.8M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Texas Community Bancshares, Inc. (TCBS) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 36 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.