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TCBS

Texas Community Bancshares, Inc.

TCBS

Texas Community Bancshares, Inc. • NASDAQ
$16.00 ▲ 0.63% (+0.10)
Market Cap $46.64 M
52w High $19.40
52w Low $14.85
Dividend Yield 0.16%
P/E 18.6
Volume 133
Outstanding Shares 2.91M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $6.691M ▲ $3.151M ▲ $680K ▲ 10.163% ▼ $0.25 ▲ $914K ▼
Q2-2025 $6.053M ▼ $2.973M ▲ $678K ▲ 11.201% ▲ $0.24 ▲ $970K ▲
Q1-2025 $6.096M ▼ $2.928M ▼ $643K ▲ 10.548% ▲ $0.22 ▲ $895K ▲
Q4-2024 $6.387M ▲ $3.268M ▲ $517K ▲ 8.095% ▼ $0.18 $754K ▲
Q3-2024 $6.236M $2.881M $515K 8.258% $0.18 $748K

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $69.16M ▼ $439.485M ▼ $385.95M ▼ $53.535M ▲
Q2-2025 $75.231M ▼ $444.082M ▲ $391.213M ▲ $52.869M ▲
Q1-2025 $92.687M ▲ $442.209M ▼ $389.454M ▼ $52.755M ▲
Q4-2024 $88.924M ▼ $443.457M ▼ $391.349M ▼ $52.108M ▼
Q3-2024 $89.063M $446.023M $393.311M $52.712M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $680K ▲ $1.591M ▲ $5.903M ▲ $-6.606M ▼ $888K ▲ $1.552M ▲
Q2-2025 $678K ▲ $1.007M ▲ $-1.895M ▼ $361K ▼ $-527K ▲ $822K ▲
Q1-2025 $643K ▲ $-1.533M ▼ $-701K ▼ $766K ▲ $-1.468M ▲ $-1.561M ▼
Q4-2024 $517K ▲ $-78K ▼ $110K ▲ $-4.497M ▲ $-4.465M ▲ $-87K ▼
Q3-2024 $515K $869K $-8.558M $-6.835M $-14.524M $858K

Five-Year Company Overview

Income Statement

Income Statement Texas Community Bancshares is a small community bank with fairly steady but modest revenue over the past few years. Profitability, however, has been uneven. The bank was profitable earlier in the period but slipped into losses in the most recent two years, with the latest year showing a deeper loss. That pattern suggests rising costs, margin pressure, or one‑off hits that the current revenue base has not fully absorbed. Overall, earnings quality looks fragile, and recent results point to a business still working to stabilize profits after going public.

Balance Sheet

Balance Sheet The balance sheet shows a gradual build‑up of assets over time, with only a slight pullback most recently, which is typical for a community bank that is slowly expanding its loan book and customer relationships. Equity has stayed relatively stable, indicating the bank still has a reasonable capital cushion for its size, though it is not especially large. Debt has risen compared with earlier years but has eased back from its recent peak, suggesting some use of borrowings to support growth that is now being moderated. Liquidity appears adequate but not abundant, so careful balance sheet management remains important in a rising‑rate and more volatile banking environment.

Cash Flow

Cash Flow Reported cash flow from operations and free cash flow are essentially flat over the period, which often happens with smaller financial institutions where traditional cash flow statements are less informative than loan and deposit flows. The one visible change is a small bump in investment spending, likely related to technology and infrastructure upgrades. Overall, the picture is of a bank that is not generating strong excess cash from its current earnings profile and is reinvesting modestly to modernize, so its ability to self‑fund growth depends on improving profitability and stable funding sources.

Competitive Edge

Competitive Edge TCBS operates as a classic community bank, competing less on cutting‑edge technology and more on long‑standing relationships and local knowledge in Northeast Texas. Its main strengths are deep roots in the region, customer loyalty built over many decades, and local decision‑making that can appeal to small businesses and households who value personal service. These factors provide a meaningful, if narrow, competitive moat in its immediate markets. The flip side is that the bank does not have significant scale, brand reach, or proprietary technology, so it faces ongoing pressure from larger regional banks and digital‑first players, especially if customers increasingly prioritize advanced digital features over personal relationships.

Innovation and R&D

Innovation and R&D The bank’s innovation strategy is pragmatic rather than groundbreaking. It is steadily upgrading to what is now standard in the industry: online and mobile banking, remote check deposits, card controls, online account opening, and more automated loan and mortgage processes. It is also rolling out enhanced treasury services and self‑service ATMs, which should improve convenience for both retail and business clients. These efforts are more about catching up to current norms than leaping ahead of peers. The key execution risk is whether TCBS can deliver these upgrades smoothly, drive customer adoption, and still maintain the personal, high‑touch service that differentiates it locally. Success would modernize the franchise without diluting its community‑bank identity.

Summary

Texas Community Bancshares is a traditional, relationship‑driven community bank that is slowly modernizing its platform. Financially, revenues are steady but small, and profitability has weakened recently, moving from prior profits into losses, which raises questions about cost control and margin resilience. The balance sheet is measured in scale, with a reasonable but not large capital base and a manageable level of debt, suggesting cautious growth rather than aggressive expansion. Cash generation appears modest, with limited visible excess cash and incremental investments in technology and services. Competitively, the bank’s edge lies in local trust, personal service, and long history in its niche markets, while its main challenge is staying relevant as customer expectations shift toward stronger digital experiences. The overall story is of a small, community‑anchored institution in a transition phase, working to align its operations and technology with modern banking standards while preserving its relationship‑centric strengths. Uncertainty remains around how quickly and effectively this transition will translate into more stable and improving earnings.

NEWS

November 18, 2025 · 5:12 PM UTC

Texas Community Bancshares, Inc. Increases Quarterly Cash Dividend and Announces Special Cash Dividend

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November 13, 2025 · 4:05 PM UTC

Texas Community Bancshares, Inc. Announces Chief Financial Officer Transition

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