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.

Financial snapshot

Revenue (ttm): 16.5M
Net income (ttm): 3.3M
EPS (ttm): $1.21
P/E (trailing): 14.1x
Market cap: 46M

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%	Achat fort
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Achat fort
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Conserver

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E14.1

P25 n/aP50 n/aP75 n/a

ROE6.2

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All TCBS indicators

Market & fundamental data

Available fields

220

Groups with data

Currency

USD

Showing 220 of 220 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-316M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on TCBS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this TCBS report

Is a complete TCBS research report available?

No complete published report is available for Texas Community Bancshares, Inc. (TCBS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Texas Community Bancshares, Inc. (TCBS)

Price

Financial snapshot

Fair-value bridge

Latest news · TCBS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TCBS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TCBS

Frequently asked questions