Symbols / TCBS Stock $17.00 +1.49% Texas Community Bancshares, Inc.

Financial Services • Banks - Regional • United States • NCM
TCBS (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Jason Sobel
Exch · Country NCM · United States
Market Cap 49.05M
Enterprise Value 70.94M
Income 3.04M
Sales 16.01M
FCF (ttm) —
Book/sh 19.92
Cash/sh 6.12
Employees 61
Insider 10d —
IPO Jul 16, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 16.51%
P/E 15.60
Forward P/E —
PEG —
P/S 3.06
P/B 0.85
P/C —
EV/EBITDA —
EV/Sales 4.43
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.09
EPS next Y —
EPS Growth 40.90%
Revenue Growth 12.10%
EPS Gr Q/Q 30.00%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 0.70%
ROE 5.67%
ROIC —
Gross Margin 0.00%
Oper. Margin 23.16%
Profit Margin 18.96%
Shs Outstand 2.89M
Shs Float 2.08M
Insider Own 25.59%
Instit Own 14.37%
Short Float 0.11%
Short Ratio 2.07
Short Interest 2.73K
52W High 20.00
vs 52W High -15.00%
52W Low 15.10
vs 52W Low 12.58%
Beta -0.01
Impl. Vol. —
Rel Volume 0.18
Avg Volume 1.66K
Volume 298.00
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $16.75
Price $17.00
Change 1.49%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$17.00
Latest analyst target
3. DCF / Fair value
$16.35
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$17.00
Low
—
High
—
Mean
—
News
RSS: Latest TCBS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-06-02 SOBEL JASON Chief Executive Officer — 1,615 $15.58 $25,167
2025-05-29 STRANGE HASKELL Chief Operating Officer — 1,289 $15.75 $20,302
2025-05-29 MIZE SHEREE A. Officer — 1,303 $15.75 $20,522
2025-05-29 SHARFF JULIE Chief Financial Officer — 2,127 $15.75 $33,500
2025-05-07 SHERRILL JOHNNY Director — 600 $15.62 $9,375
2024-12-17 SCAVUZZO ANTHONY Director — 2,807 $15.00 $42,105
2024-09-03 BAUCUM TERRI Officer — 3,000 $14.26 $42,787
2024-08-26 SCAVUZZO ANTHONY Director — 15,000 $13.99 $209,850
2024-08-22 BAUCUM TERRI Officer — 1,954 $13.75 $26,868
2024-08-19 THURMAN GLEN Director — 2 $13.70 $27
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
16.39
+49.93%
10.93
-4.23%
11.42
-5.99%
12.14
Operating Revenue
16.39
+49.93%
10.93
-4.23%
11.42
-5.99%
12.14
Selling General And Administration
6.78
-5.10%
7.14
-4.34%
7.47
+20.82%
6.18
General And Administrative Expense
6.78
-5.10%
7.14
-4.34%
7.47
+20.82%
6.18
Salaries And Wages
6.78
-5.10%
7.14
-4.34%
7.47
+20.82%
6.18
Other Gand A
—
—
—
—
Reconciled Depreciation
0.59
+3.67%
0.57
+35.55%
0.42
-2.09%
0.43
Total Unusual Items
0.48
+245.12%
-0.33
-1158.06%
0.03
-35.42%
0.05
Total Unusual Items Excluding Goodwill
0.48
+245.12%
-0.33
-1158.06%
0.03
-35.42%
0.05
Special Income Charges
0.00
+100.00%
-0.29
-28600.00%
-0.00
-116.67%
0.01
Other Special Charges
—
0.29
+28600.00%
0.00
+116.67%
-0.01
Net Income
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Pretax Income
3.36
+288.88%
-1.78
-90.07%
-0.94
-143.04%
2.18
Net Interest Income
13.15
+6.63%
12.33
+13.06%
10.90
+6.44%
10.24
Interest Expense
9.18
-7.32%
9.90
+25.12%
7.91
+246.65%
2.28
Interest Income
22.32
+0.42%
22.23
+18.13%
18.82
+50.22%
12.53
Gain On Sale Of Security
0.32
+65.79%
0.19
+110.96%
-1.73
-5879.31%
-0.03
Tax Provision
0.52
+209.66%
-0.48
-133.33%
-0.20
-148.23%
0.42
Tax Rate For Calcs
0.00
-41.85%
0.00
+22.60%
0.00
+12.16%
0.00
Tax Effect Of Unusual Items
0.07
+184.39%
-0.09
-1397.19%
0.01
-27.56%
0.01
Net Income Including Noncontrolling Interests
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Net Income From Continuing Operation Net Minority Interest
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Net Income From Continuing And Discontinued Operation
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Net Income Continuous Operations
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Normalized Income
2.44
+329.19%
-1.06
-40.58%
-0.76
-144.15%
1.72
Net Income Common Stockholders
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Diluted EPS
1.00
+322.22%
-0.45
-87.50%
-0.24
-141.38%
0.58
Basic EPS
1.04
+331.11%
-0.45
-87.50%
-0.24
-141.38%
0.58
Basic Average Shares
2.73
-6.46%
2.92
-4.80%
3.06
+1.13%
3.03
Diluted Average Shares
2.86
-4.37%
2.99
-2.50%
3.06
+1.13%
3.03
Diluted NI Availto Com Stockholders
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Occupancy And Equipment
1.10
-0.45%
1.10
+32.10%
0.83
+8.58%
0.77
Other Non Interest Expense
4.32
+7.38%
4.02
+8.91%
3.69
+31.18%
2.82
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
429.84
-3.07%
443.46
-1.90%
452.04
Cash And Cash Equivalents
9.38
-31.67%
13.73
-22.44%
17.71
Cash Financial
3.88
-3.46%
4.01
-25.81%
5.41
Other Short Term Investments
41.54
-44.76%
75.19
-19.43%
93.33
Receivables
3.11
-3.24%
3.21
+82.03%
1.76
Accounts Receivable
1.66
-0.72%
1.67
-1.65%
1.70
Other Receivables
1.45
-5.98%
1.54
+2304.69%
0.06
Net PPE
11.46
-0.58%
11.53
-0.71%
11.61
Gross PPE
18.12
+2.13%
17.74
+1.41%
17.49
Accumulated Depreciation
-6.66
-7.16%
-6.21
-5.61%
-5.88
Land And Improvements
2.02
-1.51%
2.05
-21.24%
2.61
Buildings And Improvements
12.69
+1.27%
12.54
+61.95%
7.74
Machinery Furniture Equipment
3.40
+7.94%
3.15
+2.14%
3.08
Construction In Progress
—
0.00
-100.00%
4.06
Goodwill And Other Intangible Assets
0.00
-100.00%
0.13
-50.19%
0.27
Other Intangible Assets
—
0.13
-50.19%
0.27
Investments And Advances
78.18
-19.64%
97.28
-18.49%
119.35
Total Liabilities Net Minority Interest
376.08
-3.90%
391.35
-1.76%
398.36
Payables And Accrued Expenses
—
—
—
Current Accrued Expenses
—
—
—
Long Term Debt And Capital Lease Obligation
45.67
-8.44%
49.88
-35.14%
76.90
Long Term Debt
45.67
-8.44%
49.88
-35.14%
76.90
Stockholders Equity
53.76
+3.16%
52.11
-2.94%
53.69
Common Stock Equity
53.76
+3.16%
52.11
-2.94%
53.69
Capital Stock
0.03
+0.00%
0.03
+0.00%
0.03
Common Stock
0.03
+0.00%
0.03
+0.00%
0.03
Preferred Stock
0.00
0.00
0.00
Share Issued
3.55
+5.47%
3.37
+0.60%
3.35
Ordinary Shares Number
2.89
+0.10%
2.88
-2.42%
2.96
Treasury Shares Number
0.67
+37.34%
0.49
+23.21%
0.39
Additional Paid In Capital
33.20
+2.17%
32.49
+2.60%
31.67
Retained Earnings
32.41
+7.46%
30.16
-5.66%
31.97
Gains Losses Not Affecting Retained Earnings
-3.06
+35.73%
-4.77
+14.77%
-5.59
Treasury Stock
6.94
+83.74%
3.78
+71.76%
2.20
Other Equity Adjustments
-3.06
+35.73%
-4.77
+14.77%
-5.59
Total Equity Gross Minority Interest
53.76
+3.16%
52.11
-2.94%
53.69
Total Capitalization
99.43
-2.51%
101.99
-21.90%
130.59
Invested Capital
99.43
-2.51%
101.99
-21.90%
130.59
Total Debt
45.67
-8.44%
49.88
-35.14%
76.90
Net Debt
36.28
+0.39%
36.14
-38.93%
59.19
Net Tangible Assets
53.76
+3.43%
51.98
-2.71%
53.42
Tangible Book Value
53.76
+3.43%
51.98
-2.71%
53.42
Available For Sale Securities
18.36
—
—
Cash Cash Equivalents And Federal Funds Sold
14.73
-44.88%
26.73
-8.69%
29.27
Held To Maturity Securities
18.28
-17.26%
22.10
-15.08%
26.02
Other Equity Interest
-1.88
+7.60%
-2.04
+7.19%
-2.20
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1.37
-29.57%
1.94
-15.17%
2.29
-26.88%
3.13
Cash Flow From Continuing Operating Activities
1.37
-29.57%
1.94
-15.17%
2.29
-26.88%
3.13
Net Income From Continuing Operations
2.84
+317.78%
-1.30
-78.04%
-0.73
-141.79%
1.75
Depreciation Amortization Depletion
0.59
+3.67%
0.57
+35.55%
0.42
-2.09%
0.43
Depreciation And Amortization
0.59
+3.67%
0.57
+35.55%
0.42
-2.09%
0.43
Other Non Cash Items
-0.65
-605.43%
-0.09
+36.55%
-0.14
+1.36%
-0.15
Stock Based Compensation
0.86
-12.24%
0.98
+35.92%
0.72
+142.76%
0.30
Deferred Tax
0.41
+185.08%
-0.48
-105.17%
-0.23
-1028.00%
0.03
Deferred Income Tax
0.41
+185.08%
-0.48
-105.17%
-0.23
-1028.00%
0.03
Operating Gains Losses
0.04
-98.82%
3.73
+120.71%
1.69
+33900.00%
-0.01
Gain Loss On Investment Securities
-0.27
-44.21%
-0.19
-110.96%
1.73
+5879.31%
0.03
Gain Loss On Sale Of PPE
0.00
-100.00%
0.29
+28600.00%
0.00
+116.67%
-0.01
Change In Working Capital
-3.41
-100.59%
-1.70
-764.06%
0.26
+76.55%
0.14
Change In Receivables
0.03
+116.23%
-0.19
+52.37%
-0.40
-1.26%
-0.40
Changes In Account Receivables
0.03
+116.23%
-0.19
+52.37%
-0.40
-1.26%
-0.40
Change In Payables And Accrued Expense
-3.21
-309.17%
-0.79
-196.08%
0.82
+14.27%
0.71
Change In Accrued Expense
-3.21
-309.17%
-0.79
-196.08%
0.82
+14.27%
0.71
Change In Other Current Assets
-0.23
+68.37%
-0.72
-352.50%
-0.16
+8.05%
-0.17
Investing Cash Flow
7.68
-12.72%
8.80
+128.25%
-31.15
+56.84%
-72.18
Cash Flow From Continuing Investing Activities
7.68
-12.72%
8.80
+128.25%
-31.15
+56.84%
-72.18
Net PPE Purchase And Sale
-0.39
+67.19%
-1.20
+78.56%
-5.60
-1385.68%
-0.38
Purchase Of PPE
-0.39
+67.19%
-1.20
+78.56%
-5.60
-1325.19%
-0.39
Sale Of PPE
—
—
0.00
-100.00%
0.02
Capital Expenditure
-0.39
+67.19%
-1.20
+78.56%
-5.60
-1325.19%
-0.39
Net Investment Purchase And Sale
21.49
-6.28%
22.93
+46.88%
15.61
+129.48%
-52.94
Purchase Of Investment
-53.72
-176.98%
-19.39
-56.40%
-12.40
+83.53%
-75.29
Sale Of Investment
75.20
+77.71%
42.32
+51.10%
28.01
+25.29%
22.35
Net Other Investing Changes
1.57
+217.72%
-1.33
-29.70%
-1.03
-125.22%
-0.46
Financing Cash Flow
-15.89
-51.14%
-10.51
-131.86%
33.00
-41.14%
56.07
Cash Flow From Continuing Financing Activities
-15.89
-51.14%
-10.51
-131.86%
33.00
-41.14%
56.07
Net Issuance Payments Of Debt
-4.21
+84.42%
-27.02
-287.60%
14.40
-58.76%
34.92
Issuance Of Debt
16.05
+217.74%
5.05
-84.78%
33.20
-82.75%
192.50
Repayment Of Debt
-20.26
+36.82%
-32.07
-70.59%
-18.80
+88.07%
-157.58
Long Term Debt Issuance
16.05
+217.74%
5.05
-84.78%
33.20
-82.75%
192.50
Long Term Debt Payments
-20.26
+36.82%
-32.07
-70.59%
-18.80
+88.07%
-157.58
Net Long Term Debt Issuance
-4.21
+84.42%
-27.02
-287.60%
14.40
-58.76%
34.92
Net Common Stock Issuance
-3.16
-100.44%
-1.58
+28.24%
-2.20
0.00
Common Stock Payments
-3.16
-100.44%
-1.58
+28.24%
-2.20
0.00
Common Stock Dividend Paid
-0.59
-17.66%
-0.50
-36.96%
-0.37
0.00
Cash Dividends Paid
-0.59
-17.66%
-0.50
-36.96%
-0.37
0.00
Repurchase Of Capital Stock
-3.16
-100.44%
-1.58
+28.24%
-2.20
0.00
Changes In Cash
-6.84
-3073.91%
0.23
-94.44%
4.13
+131.82%
-12.99
Beginning Cash Position
13.29
+1.76%
13.06
+46.30%
8.93
-59.27%
21.91
End Cash Position
6.45
-51.47%
13.29
+1.76%
13.06
+46.30%
8.93
Free Cash Flow
0.97
+31.49%
0.74
+122.34%
-3.31
-221.09%
2.74
Interest Paid Supplemental Data
9.25
-6.75%
9.92
+28.38%
7.73
+271.81%
2.08
Income Tax Paid Supplemental Data
—
0.02
-82.50%
0.12
-65.71%
0.35
Amortization Of Securities
-0.15
-301.35%
0.07
+257.45%
-0.05
-111.16%
0.42
Common Stock Issuance
—
—
—
0.00
Issuance Of Capital Stock
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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