Texas Community Bancshares, Inc. TCBS FINANCIAL
Company Overview
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
Why Investors Should Care
Net profit has compounded at 30.6% per year over the last five years.
Trades at an undemanding P/E of 14.2.
Maintains a net profit margin of 20.1%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +13.5%, earnings +52.2%.
- 5-Year Trend Long-term compounding — profit CAGR 30.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 13.50% |
Compounded Profit Growth
| 5 Years: | 30.57% |
| 1 Year: | 52.20% |
Stock Price Performance
| 1 Year: | +9.55% |
| 6 Months: | +2.64% |
| 3 Months: | -0.73% |
| 1 Month: | +1.35% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.12 · Neutral
P/E of 14.24 is above the sector median of 13.55 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 20.1%.
- Profit CAGR of 30.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TCBS Texas Community Bancshares, Inc. FINANCIAL | 17.23 | 14.24 | $49.50M | 1.41% | - | 6.16% | - | 30.57% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 264.37K | 308.49K | 208.00K | 242.00K | 188.00K | -198.00K | 391.00K | 416.00K | 539.00K | -1.02M | 160.00K | 456.00K | -2.69M | 348.00K | 515.00K | 643.00K | 678.00K | 680.00K | 836.00K |
| Diluted EPS | - | - | - | - | - | -0.07 | 0.13 | 0.14 | 0.18 | -0.33 | 0.05 | 0.15 | -0.89 | 0.12 | 0.17 | 0.22 | 0.23 | 0.24 | 0.31 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Net Income | 749.00K | 518.00K | 1.75M | -733.00K | -1.30M | 2.84M |
| Diluted EPS | - | 0.17 | 0.58 | -0.24 | -0.44 | 1.00 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Total Assets | 299.64M | 364.83M | 417.35M | 452.04M | 443.46M | 429.84M |
| Total Equity | - | 60.13M | 55.87M | 53.69M | 52.11M | 53.76M |
| Total Liabilities | 267.70M | 304.69M | 361.48M | 398.36M | 391.35M | 376.08M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 1.91M | 1.76M | 3.13M | 2.29M | 1.94M | 1.37M |
| Investing Cash Flow | -29.91M | -52.80M | -72.18M | -31.15M | 8.80M | 7.68M |
| Financing Cash Flow | 30.54M | 64.88M | 56.07M | 33.00M | -10.51M | -15.89M |
| Capital Expenditure | -806.00K | -137.00K | -393.00K | -5.60M | -1.20M | -394.00K |
| Free Cash Flow | 1.10M | 1.62M | 2.74M | -3.31M | 740.00K | 973.00K |
| Share Buybacks | - | - | - | 2.20M | 1.58M | 3.16M |
| Dividends Paid | - | - | - | 368.00K | 504.00K | 593.00K |
Ratios (Annual)
Figures in %.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - |
| ROE % | - | 0.9% | 3.1% | -1.4% | -2.5% | 5.3% |
| ROCE % | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Alliancebernstein L.P. | 6.12% | 175.74K | $2.99M |
| 2 | Vanguard Capital Management LLC | 2.02% | 57.91K | $984.45K |
| 3 | Oppenheimer & Close, LLC | 1.90% | 54.48K | $926.25K |
| 4 | EP Wealth Advisors, LLC | 1.83% | 52.68K | $895.51K |
| 5 | Fourthstone LLC | 0.73% | 20.89K | $355.20K |
| 6 | Geode Capital Management, LLC | 0.67% | 19.34K | $328.83K |
| 7 | Vanguard Fiduciary Trust Co | 0.45% | 12.92K | $219.57K |
| 8 | Susquehanna International Group, LLP | 0.41% | 11.69K | $198.76K |
| 9 | Blackrock Inc. | 0.27% | 7.75K | $131.77K |
| 10 | Vanguard Global Advisers, LLC | 0.05% | 1.36K | $23.12K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for TCBS
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Quick read 20-10: Nasdaq rises 1.11% as tech stocks recover, TCBS lends over $2 billion. - Vietnam.vn
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How Texas Community Bancshares Inc. (TCBS) Affects Rotational Strategy Timing - Stock Traders Daily
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Texas Community Bancshares Q2 Earnings Rise Y/Y on Strong Margins - Yahoo Finance
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TCBS adopts AWS agentic AI to accelerate product development - vietnamnews.vn
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Amber Capital and TCBS partner to distribute open-ended funds, expanding access to professional investment solutions for Vietnamese investors - VOV.VN
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TCBS — Frequently Asked Questions
What is the current share price of Texas Community Bancshares, Inc. (TCBS)?
As of 2026-10-23 16:27 PDT, Texas Community Bancshares, Inc. (TCBS) trades at $17.23 on NasdaqCM. Its 52-week range is $15.52 to $18.42.
What is the market capitalisation of TCBS?
Texas Community Bancshares, Inc. (TCBS) has a market capitalisation of $49.50M on NasdaqCM.
What is the P/E ratio of TCBS?
TCBS trades at a trailing price-to-earnings (P/E) ratio of 14.24. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.83.
Does TCBS pay a dividend?
Texas Community Bancshares, Inc. (TCBS) currently offers a dividend yield of 1.41%.
What is the return on equity (ROE) of TCBS?
TCBS has a return on equity (ROE) of 6.16%.
Is TCBS a good stock to buy?
This page provides a data-driven analysis of Texas Community Bancshares, Inc. (TCBS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.