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Texas Community Bancshares, Inc.

TCBS

$17.52 0.00 (0.00%) at close

26 Visible periods

33 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 0.34%

Revenue Growth 17.5% ↗

Op. Margin 26.0% ↗

ROIC None

FCF / Share None

Trailing P/E 47.4x

Price / Book 0.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 2, 2026.

26-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$4.41M

↑ +17.5% —

Net Income Profit after all expenses

$970.00K

↑ +43.1% —

Operating Margin Operating profit as % of sales

26.0%

↑ +12.4% 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

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

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📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Revenue Growth YoY (%)	17.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+192%)	8.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+49%)	—	17.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+194%)	4.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	N/M	—	8.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+49%)	13.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	N/M	—	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	7.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+29%)	-48.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-907%)	—	27.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+358%)	17.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+194%)	14.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+134%)	—	2.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-65%)	-1.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-125%)	3.7% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	—	—	—	—
EPS Growth YoY (%)	54.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	45.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	94.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	38.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	20.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	140.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-172.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-64.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	44.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	43.1% Excellent → Excellent Stable Year-over-year change in net income	30.0% Excellent ↓ Excellent Declining Year-over-year change in net income	62.7% Excellent → Excellent Stable Year-over-year change in net income	32.0% Excellent Excellent Year-over-year change in net income	94.8% Excellent Excellent Year-over-year change in net income	N/M	N/M	12.9% Fair ↑ Fair Improving Year-over-year change in net income	117.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-164.0% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-15.4% Weak ↓ Weak Declining Year-over-year change in net income	-61.5% Weak Weak Year-over-year change in net income	N/M	42.7% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	121.3% Excellent Excellent Year-over-year change in net income	61.6% Excellent Excellent Year-over-year change in net income	N/M	N/M	-39.1% Weak Weak Year-over-year change in net income	-8.5% 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	42.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	10.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	13.7% Good Good Compound annual revenue growth over 3 years	12.7% Good Good Compound annual revenue growth over 3 years	—	—	11.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.7% Fair Fair Compound annual revenue growth over 3 years	-15.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	12.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	11.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	12.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.2% Good Good Compound annual revenue growth over 5 years	10.2% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	94.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	36.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	19.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	19.2% Excellent Excellent Compound annual EPS growth over 3 years	23.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Operating Margin (%) (%)	26.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	—	17.4% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	21.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	19.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—	16.1% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	11.1% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	—	—	16.7% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	6.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	-91.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-466%)	—	20.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	18.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	17.3% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	—	-9.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-137%)	8.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	12.1% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	—	9.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	14.7% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	13.5% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)
Effective Tax Rate (%) (%)	15.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.2% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	557.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	22.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	—	15.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	18.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	17.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	—	13.8% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	9.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	—	—	13.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	5.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	-71.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-424%)	—	16.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	14.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	14.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	—	-7.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-135%)	7.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	10.0% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	—	8.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	12.2% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	11.3% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	-0.6% Weak Weak 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%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	1.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	-5.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-143%)	-0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-105%)	0.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	—	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	1.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	—	—	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Revenue per Share (USD)	$1.66	$1.56	—	$1.59	$1.33	$1.32	—	$1.27	$1.21	$-0.20	—	$1.12	$1.01	$0.46	—	$1.07	$0.97	$0.92	—	$0.85	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.37	$0.32	$0.33	$0.25	$0.24	$0.22	$0.17	$0.18	$0.12	$-0.90	$-0.11	$0.15	$0.05	$-0.33	$0.13	$0.18	$0.14	$0.13	$0.09	$-0.07	—	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.06	$0.05	$0.16	$0.04	$0.04	$0.04	$0.12	$0.04	$0.04	—	—	$0.02	$0.02	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$19.22	$18.80	$18.62	$18.22	$18.69	$17.26	$16.87	$17.95	$17.48	$16.15	$16.91	$17.43	$17.39	—	$16.95	$18.36	$18.65	—	—	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$19.22	$18.80	$18.62	$18.22	$18.69	$17.26	$16.87	$17.95	$17.48	$16.15	$16.91	$17.43	$17.39	—	$16.95	$18.36	$18.65	—	—	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	2.65M	2.65M	—	2.77M	2.83M	2.86M	—	2.94M	2.96M	2.97M	—	3.06M	3.13M	3.09M	—	3.03M	3.02M	3.01M	—	3.00M	—	—	—	—	—	—
Dividend Payout Ratio (%)	16.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	15.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	70.6% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	13.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	40.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$55.21M	$54.23M	$53.76M	$53.53M	$52.87M	$52.76M	$52.11M	$52.71M	$51.77M	$51.47M	$53.69M	$53.25M	$54.45M	—	$55.87M	$55.63M	$56.25M	—	—	—	—	—	—	—	—	—

📋 What is driving earnings? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Sales/Revenue/Turnover (USD)	$4.41M	$4.13M	—	$4.40M	$3.75M	$3.79M	—	$3.74M	$3.58M	$-599.00K	—	$3.44M	$3.16M	$1.43M	—	$3.25M	$2.94M	$2.76M	—	$2.55M	$2.50M	$2.42M	—	$2.50M	$2.53M	$2.34M
Net Income, GAAP (USD)	$970.00K	$836.00K	$841.00K	$680.00K	$678.00K	$643.00K	$517.00K	$515.00K	$348.00K	$-2.69M	$-332.00K	$456.00K	$160.00K	$-1.02M	$408.00K	$539.00K	$416.00K	$391.00K	$286.00K	$-198.00K	$188.00K	$242.00K	$-32.00K	$208.00K	$308.49K	$264.37K
Operating Cash Flow (USD)	$1.37M	$1.61M	$302.00K	$1.59M	$1.01M	$-1.53M	$80.00K	$816.00K	$404.00K	$694.00K	$-682.00K	$1.47M	$1.04M	$462.00K	$582.00K	$947.00K	$927.00K	$673.00K	$-3.01M	$3.25M	$618.00K	$895.00K	$-5.00K	$534.73K	$899.09K	$482.17K

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗
Net Interest Margin (approx.) (%)	3.3%	3.2%	3.3%	3.0%	—	3.0%	2.9%	—	—	2.6%	2.6%	—	—	2.5%	2.6%	—	—	2.5%	2.4%	—	—	—	3.1%	—	—	—
Efficiency Ratio (%) (%)	71.6%	76.7%	—	71.5%	79.2%	77.3%	—	76.9%	85.4%	-512.7%	—	82.5%	91.0%	185.1%	—	78.1%	80.7%	81.2%	—	108.6%	89.9%	87.9%	—	87.5%	79.7%	86.3%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 6 years · 26 quarters

Texas Community Bancshares, Inc.

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26-Year Financial Trajectory

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