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Texas Community Bancshares, Inc.

TCBS

$17.02 ▲ +0.03 (+0.18%) at close

6 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Texas Community Bancshares, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $46.4M

Dividend Yield 1.18%

Revenue Growth 54.0% ↗

Op. Margin 20.5% ↗

ROIC None

FCF / Share None

Trailing P/E 16.4x

Price / Book 0.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$16.39M

↑ +54.0% —

Net Income Profit after all expenses

$2.84M

↑ +317.8% —

Operating Margin Operating profit as % of sales

20.5%

↑ +222.7% 76th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.20 Latest / share

+400.0% YoY

+158.2% 3-yr CAGR

FY 2020

FY 2021

FY 2022

$0.03

FY 2023

$0.04

FY 2024

$0.20

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	54.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+799%)	-6.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-212%)	-6.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-201%)	19.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+232%)	2.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-52%)	—
EPS Growth YoY (%)	N/M	-87.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	241.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	-78.0% Weak ↓ Weak Declining Year-over-year change in net income	N/M	238.6% Excellent Excellent Year-over-year change in net income	-30.8% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	10.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	1.7% Weak Weak Compound annual revenue growth over 3 years	5.0% Fair Fair Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	10.7% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	21.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	20.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	-16.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-167%)	-8.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-133%)	17.9% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	6.0% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	9.6% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)
Effective Tax Rate (%) (%)	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	17.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	-12.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-156%)	-6.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-129%)	14.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	5.1% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	7.6% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%
Return on Common Equity (%) (%)	5.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	-2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-121%)	-1.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-111%)	3.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$6.01	$3.65	$3.73	$4.01	$3.38	—
Basic EPS, GAAP (USD)	$1.04	$-0.45	$-0.24	$0.58	$0.17	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.20	$0.04	$0.03	—	—	—
Book Value per Share (USD)	$18.62	$16.87	$16.91	$16.95	—	—
Tangible Book Value per Share (USD)	$18.62	$16.87	$16.91	$16.95	—	—
Basic Weighted Avg Shares (shares)	2.73M	2.92M	3.06M	3.03M	3.00M	—
Dividend Payout Ratio (%)	19.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-8.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	-12.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$53.76M	$52.11M	$53.69M	$55.87M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$16.39M	$10.65M	$11.42M	$12.15M	$10.13M	$9.85M
Depreciation Expense (USD)	$461.00K	$439.00K	$290.00K	$299.00K	$305.00K	$298.00K
Net Income, GAAP (USD)	$2.84M	$-1.30M	$-733.00K	$1.75M	$518.00K	$749.00K
Operating Cash Flow (USD)	$1.37M	$1.94M	$2.29M	$3.13M	$1.76M	$1.91M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.8%	2.4%	2.5%	2.3%	2.8%
Efficiency Ratio (%) (%)	74.4%	115.2%	105.1%	80.4%	93.5%	85.5%

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 6 years · 26 quarters

Texas Community Bancshares, Inc.

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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