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Texas Community Bancshares, Inc. (TCBS)

NASDAQ: TCBS · USD

$17.1

+0.01 (+0.1%)· Recorded snapshot

Market cap	46M
Revenue (ttm)	16.5M
Net income (ttm)	3.3M
EPS (ttm)	$1.21
Shares out	2.7M
P/E (trailing)	14.1x
Dividend	$0.24 (1.39%)
Volume	6,964
Beta	-0.03

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	خرید قوی
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	خرید قوی
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	نگه‌داری

Metric	Value
Amount currency	USD
CIK code	0001849466
Company name	Texas Community Bancshares, Inc.
Country	United States
Country code	US
CUSIP number	88231Q108
Earnings date	2026-11-10
Earnings time	amc
Employees	71
Employees change	3
Employees growth	4.41%
Enterprise value	$76.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1934
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US88231Q1085
Last 10-K release date	2026-03-25
Last earnings date	2026-08-11
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$46M
Market cap category	Nano-Cap
Next earnings date	2026-11-10
Options	No
Price	$17.10
Price currency	USD
Sector	Financials
SIC code	6036
Stock price date	2026-10-28
Symbol	TCBS
U.S. state	Texas
Website	https://www.broadstreet.bank

Metric

Value

Amount currency

USD

CIK code

0001849466

Company name

Texas Community Bancshares, Inc.

Country

United States

Country code

CUSIP number

88231Q108

Earnings date

2026-11-10

Earnings time

amc

Employees

Employees change

Employees growth

4.41%

Enterprise value

$76.9M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1934

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US88231Q1085

Last 10-K release date

2026-03-25

Last earnings date

2026-08-11

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$46M

Market cap category

Nano-Cap

Next earnings date

2026-11-10

Options

Price

$17.10

Price currency

USD

Sector

Financials

SIC code

6036

Stock price date

2026-10-28

Symbol

TCBS

U.S. state

Texas

Website

https://www.broadstreet.bank

Metric	Value
Average P/E ratio (5Y)	483.9x
Earnings yield	7.09%
EV/Earnings	23.12x
EV/FCF	33.15x
EV/Sales	4.66x
FCF / EV yield	3.02%
FCF yield	5.04%
Graham number	23.59827
Graham upside	38.08%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$30.31
Lynch upside	77.36%
P/B ratio	0.84x
P/E ratio	14.1x
P/FCF ratio	19.82x
P/OCF ratio	9.44x
P/S ratio	2.78x
Price / tangible book value	0.83x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Average P/E ratio (5Y)

483.9x

Earnings yield

7.09%

EV/Earnings

23.12x

EV/FCF

33.15x

EV/Sales

4.66x

FCF / EV yield

3.02%

FCF yield

5.04%

Graham number

23.59827

Graham upside

38.08%

Industry forward P/E

9.95x

Industry P/E

11.8x

Lynch fair value

$30.31

Lynch upside

77.36%

P/B ratio

0.84x

P/E ratio

14.1x

P/FCF ratio

19.82x

P/OCF ratio

9.44x

P/S ratio

2.78x

Price / tangible book value

0.83x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
Effective tax rate	14.58%
FCF margin	14.04%
Operating margin	23.58%
Pretax margin	23.58%
Profit margin	20.14%
Profit per employee	$46,859
Profitable quarters	9
Profitable years	1
Revenue per employee	$232,676
ROA	0.75%
ROA (5Y)	0.16%
ROE	6.16%
ROE (5Y)	1.14%
SBC / revenue	4.57%
Tax / revenue	3.44%

Metric

Value

Effective tax rate

14.58%

FCF margin

14.04%

Operating margin

23.58%

Pretax margin

23.58%

Profit margin

20.14%

Profit per employee

$46,859

Profitable quarters

Profitable years

Revenue per employee

$232,676

ROA

0.75%

ROA (5Y)

0.16%

ROE

6.16%

ROE (5Y)

1.14%

SBC / revenue

4.57%

Tax / revenue

3.44%

Metric	Value
EPS growth	49.38%
EPS growth (Q)	52.17%
EPS growth (QoQ)	12.9%
EPS growth 3Y	264.54%
EPS growth 5Y	45.48%
EPS growth quarters	9
EPS growth years	1
FCF growth	1,593.43%
FCF growth (Q)	-4.38%
FCF growth 5Y	4.72%
Net income growth	41.39%
Net income growth (Q)	43.07%
Net income growth (QoQ)	16.03%
Net income growth 3Y	233.12%
Net income growth 5Y	40.57%
Net income growth quarters	9
Net income growth years	1
OCF growth	1,216.76%
OCF growth (Q)	36.15%
OCF growth (QoQ)	-14.74%
OCF growth 3Y	17.18%
OCF growth 5Y	18.99%
Revenue growth	11.39%
Revenue growth (Q)	13.49%
Revenue growth (QoQ)	4.46%
Revenue growth 3Y	15.48%
Revenue growth 5Y	11.64%
Revenue growth quarters	9
Revenue growth years	1

Metric

Value

EPS growth

49.38%

EPS growth (Q)

52.17%

EPS growth (QoQ)

12.9%

EPS growth 3Y

264.54%

EPS growth 5Y

45.48%

EPS growth quarters

EPS growth years

FCF growth

1,593.43%

FCF growth (Q)

-4.38%

FCF growth 5Y

4.72%

Net income growth

41.39%

Net income growth (Q)

43.07%

Net income growth (QoQ)

16.03%

Net income growth 3Y

233.12%

Net income growth 5Y

40.57%

Net income growth quarters

Net income growth years

OCF growth

1,216.76%

OCF growth (Q)

36.15%

OCF growth (QoQ)

-14.74%

OCF growth 3Y

17.18%

OCF growth 5Y

18.99%

Revenue growth

11.39%

Revenue growth (Q)

13.49%

Revenue growth (QoQ)

4.46%

Revenue growth 3Y

15.48%

Revenue growth 5Y

11.64%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-2.6M
EPS	$1.21
FCF per share	$0.86
Financing cash flow	$-5.1M
Free cash flow	$2.3M
Gross profit	$16.5M
Income taxes	$568,000
Investing cash flow	$-3.9M
Net borrowing	$-2.8M
Net cash flow	$-4.1M
Net income	$3.3M
Operating income	$3.9M
Revenue	$16.5M
Stock-based compensation	$755,000

Metric

Value

Capital expenditures

$-2.6M

EPS

$1.21

FCF per share

$0.86

Financing cash flow

$-5.1M

Free cash flow

$2.3M

Gross profit

$16.5M

Income taxes

$568,000

Investing cash flow

$-3.9M

Net borrowing

$-2.8M

Net cash flow

$-4.1M

Net income

$3.3M

Operating income

$3.9M

Revenue

$16.5M

Stock-based compensation

$755,000

Metric	Value
Book value per share	$20.41
Debt / equity	0.84
Debt / FCF	20.03
Net cash (debt)	$-30.9M
Net cash / market cap	-67.22%
Net debt / equity	0.56
Net debt / FCF	13.33
Piotroski F-Score	4
Property, plant and equipment	$13.6M
Shareholders' equity	$55.2M
Tangible book value	$55.2M
Tangible book value per share	$20.41
Total assets	$444.3M
Total cash	$15.5M
Total debt	$46.5M
Total liabilities	$389.1M
WACC	2.04%

Metric

Value

Book value per share

$20.41

Debt / equity

0.84

Debt / FCF

20.03

Net cash (debt)

$-30.9M

Net cash / market cap

-67.22%

Net debt / equity

0.56

Net debt / FCF

13.33

Piotroski F-Score

Property, plant and equipment

$13.6M

Shareholders' equity

$55.2M

Tangible book value

$55.2M

Tangible book value per share

$20.41

Total assets

$444.3M

Total cash

$15.5M

Total debt

$46.5M

Total liabilities

$389.1M

WACC

2.04%

Metric	Value
Working capital	$-316M

Metric

Value

Working capital

$-316M

Metric	Value
Buyback yield / dilution	5.15%
Dividend growth	37.5%
Dividend growth years	2
Dividend payment date	2026-09-22
Dividend payment years	4
Dividend payout frequency	Quarterly
Dividend per share	$0.24
Dividend yield	1.39%
Ex-dividend date	2026-09-08
FCF payout ratio	25.52%
Last dividend	$0.06
Payout ratio	18.15%
Shareholder yield	6.55%

Metric

Value

Buyback yield / dilution

5.15%

Dividend growth

37.5%

Dividend growth years

Dividend payment date

2026-09-22

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.24

Dividend yield

1.39%

Ex-dividend date

2026-09-08

FCF payout ratio

25.52%

Last dividend

$0.06

Payout ratio

18.15%

Shareholder yield

6.55%

Metric	Value
150-day SMA	$17.19
1D price change	0.06%
1M price change	1.47%
1M total return	1.47%
1W price change	1.47%
1W total return	1.47%
1Y price change	7.21%
1Y return CAGR	8.84%
1Y total return	8.83%
20-day SMA	$17.11
200-day SMA	$17.04
3M price change	-0.96%
3M total return	-0.62%
3Y price change	37.45%
3Y return CAGR	12.53%
3Y total return	42.5%
50-day SMA	$17.23
50-day SMA vs 200-day SMA	50over200
52-week high	$20.00
52-week high date	2025-12-26
52-week low	$15.72
52-week low date	2025-12-17
5Y price change	12.01%
5Y return CAGR	3.16%
5Y total return	16.85%
6M price change	1.47%
6M total return	2.18%
All-time high	$20.07
All-time high date	2021-07-16
All-time low	$9.38
All-time low date	2023-05-02
Average true range (ATR)	$0.17
Average volume	3.4K
Beta (1Y)	-0.11
Beta (2Y)	0.08
Beta (5Y)	-0.03
Change from 52-week high	-14.5%
Change from 52-week low	8.78%
Change from all-time high	-14.05%
Change from all-time low	83.9%
Change from open	0%
Day's gap	0.06%
Dollar volume	$119,084
High price	$17.10
Low price	$17.10
Monthly RSI	57.48
Open price	$17.10
Previous close	$17.09
Price vs 150-day SMA	0.37%
Price vs 20-day SMA	0.83%
Price vs 200-day SMA	1.24%
Price vs 50-day SMA	0.14%
Relative volume	2.05
RSI	54.59
Sharpe ratio	0.39
Sharpe ratio (3Y)	0.32
Sortino ratio	0.92
Sortino ratio (3Y)	0.67
Volume	7K
Weekly RSI	52.2
YTD price change	-4.01%
YTD total return	-3.04%

Metric

Value

150-day SMA

$17.19

1D price change

0.06%

1M price change

1.47%

1M total return

1.47%

1W price change

1.47%

1W total return

1.47%

1Y price change

7.21%

1Y return CAGR

8.84%

1Y total return

8.83%

20-day SMA

$17.11

200-day SMA

$17.04

3M price change

-0.96%

3M total return

-0.62%

3Y price change

37.45%

3Y return CAGR

12.53%

3Y total return

42.5%

50-day SMA

$17.23

50-day SMA vs 200-day SMA

50over200

52-week high

$20.00

52-week high date

2025-12-26

52-week low

$15.72

52-week low date

2025-12-17

5Y price change

12.01%

5Y return CAGR

3.16%

5Y total return

16.85%

6M price change

1.47%

6M total return

2.18%

All-time high

$20.07

All-time high date

2021-07-16

All-time low

$9.38

All-time low date

2023-05-02

Average true range (ATR)

$0.17

Average volume

3.4K

Beta (1Y)

-0.11

Beta (2Y)

0.08

Beta (5Y)

-0.03

Change from 52-week high

-14.5%

Change from 52-week low

8.78%

Change from all-time high

-14.05%

Change from all-time low

83.9%

Change from open

Day's gap

0.06%

Dollar volume

$119,084

High price

$17.10

Low price

$17.10

Monthly RSI

57.48

Open price

$17.10

Previous close

$17.09

Price vs 150-day SMA

0.37%

Price vs 20-day SMA

0.83%

Price vs 200-day SMA

1.24%

Price vs 50-day SMA

0.14%

Relative volume

2.05

RSI

54.59

Sharpe ratio

0.39

Sharpe ratio (3Y)

0.32

Sortino ratio

0.92

Sortino ratio (3Y)

0.67

Volume

Weekly RSI

52.2

YTD price change

-4.01%

YTD total return

-3.04%

Metric	Value
Float	2M
Float percentage	76.14%
Shares change (QoQ)	0.22%
Shares change (YoY)	-5.15%
Shares held by insiders	23.86%
Shares held by institutions	24.36%
Shares outstanding	2.7M
Short % of float	0.14%
Short % of shares	0.11%
Short ratio	1.6 days

Metric

Value

Float

Float percentage

76.14%

Shares change (QoQ)

0.22%

Shares change (YoY)

-5.15%

Shares held by insiders

23.86%

Shares held by institutions

24.36%

Shares outstanding

2.7M

Short % of float

0.14%

Short % of shares

0.11%

Short ratio

1.6 days

Texas Community Bancshares, Inc. (TCBS)

Price

Financial snapshot

Fair-value bridge

Latest news · TCBS

Valuation

Profitability

Balance sheet

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Profile and market data

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Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TCBS

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