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Texas Community Bancshares, Inc. logo

Texas Community Bancshares, Inc.

TCBS

NASDAQFinancial ServicesBanks - Regional

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Previous close

$17.50

−$0.03 · -0.17%

Aug 21, 4:00 PM ET

TCBS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

75

Undervalued

Momentum

42

Neutral

Sentiment

55

Mixed

Risk resilience

64

Moderate Risk

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Company profile

Company website

Texas Community Bancshares, Inc. operates as the parent company for Mineola Community Bank, S.S.B., delivering a comprehensive suite of financial products and services. These offerings serve both individual consumers and businesses throughout Mineola, Texas, its surrounding communities, and the broader Dallas-Fort Worth metropolitan area. The bank offers various deposit accounts, such as traditional checking and savings, certificates of deposit, and individual retirement accounts. Its lending portfolio predominantly includes mortgages for one-to-four family residences, as well as commercial real estate, construction, and land development loans. Further credit options are available for agricultural endeavors, general commercial needs, and a range of consumer purposes, including vehicle, boat, and unsecured personal loans. Beyond core banking activities, the company also engages in securities investments. Customers can additionally access services like sweep accounts, secure safe deposit boxes, various card solutions, and convenient online and mobile banking platforms. Established in 1934, Texas Community Bancshares, Inc. maintains its corporate headquarters in Mineola, Texas.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Jason Sobel
Listed since
Jul 16, 2021
Employees
61

Market position

Day range

Current $17.50

52-week range

Current $17.50

Open
$17.635
Previous close
$17.53
Volume
1.48K
0.69× average
Average volume
2.16K
Average daily volume
Market cap
50.49M USD
Beta
-0.03
Market reference 1
50-day average
$17.5643
-0.37% below average
200-day average
$16.9692
+3.13% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
85.29M USD
P/E (TTM)
14.58×
P/B (TTM)
0.84×
P/S (TTM)
1.92×
EV / EBITDA
21.55×
Earnings yield
5.80%
Free cash flow yield
1.99%
Dividend yield
1.31%

Profitability & efficiency

Gross margin
62.95%
Operating margin
14.84%
Net margin
12.68%
Return on equity
5.29%
Return on assets
0.66%
Return on invested capital
2.79%

Financial health

Debt / equity
0.84×
Current ratio
0.16×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends92%55%19%-18%Gross margin, FY2021: 82.32%Gross margin, FY2022: 82.73%Gross margin, FY2023: 57.21%Gross margin, FY2024: 51.72%Gross margin, FY2025: 60.86%Operating margin, FY2021: 4.99%Operating margin, FY2022: 15.09%Operating margin, FY2023: -4.85%Operating margin, FY2024: -8.55%Operating margin, FY2025: 13.16%Net margin, FY2021: 4.23%Net margin, FY2022: 12.16%Net margin, FY2023: -3.79%Net margin, FY2024: -6.26%Net margin, FY2025: 11.11%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 82.32%. Gross margin FY2022 82.73%. Gross margin FY2023 57.21%. Gross margin FY2024 51.72%. Gross margin FY2025 60.86%. Operating margin FY2021 4.99%. Operating margin FY2022 15.09%. Operating margin FY2023 -4.85%. Operating margin FY2024 -8.55%. Operating margin FY2025 13.16%. Net margin FY2021 4.23%. Net margin FY2022 12.16%. Net margin FY2023 -3.79%. Net margin FY2024 -6.26%. Net margin FY2025 11.11%.

Income trends

Revenue

25.57M USD+22.72%

Operating income

3.36M USD+5.15M USD

Net income

2.84M USD+4.15M USD
Income trends across reported periods28.31M USD17.36M USD6.42M USD−4.52M USDRevenue, FY2021: 12.25M USDRevenue, FY2022: 14.43M USDRevenue, FY2023: 19.33M USDRevenue, FY2024: 20.84M USDRevenue, FY2025: 25.57M USDOperating income, FY2021: 611K USDOperating income, FY2022: 2.18M USDOperating income, FY2023: −937K USDOperating income, FY2024: −1.78M USDOperating income, FY2025: 3.36M USDNet income, FY2021: 518K USDNet income, FY2022: 1.75M USDNet income, FY2023: −733K USDNet income, FY2024: −1.31M USDNet income, FY2025: 2.84M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 12.25M USD. Revenue FY2022 14.43M USD. Revenue FY2023 19.33M USD. Revenue FY2024 20.84M USD. Revenue FY2025 25.57M USD. Operating income FY2021 611K USD. Operating income FY2022 2.18M USD. Operating income FY2023 −937K USD. Operating income FY2024 −1.78M USD. Operating income FY2025 3.36M USD. Net income FY2021 518K USD. Net income FY2022 1.75M USD. Net income FY2023 −733K USD. Net income FY2024 −1.31M USD. Net income FY2025 2.84M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue25.57M USD20.84M USD19.33M USD14.43M USD12.25M USD
Cost of goods sold10.01M USD10.06M USD8.27M USD2.49M USD2.17M USD
Gross profit15.56M USD10.78M USD11.06M USD11.94M USD10.09M USD
Selling, general, and administrative7.17M USD7.14M USD7.47M USD6.18M USD5.45M USD
Operating expenses12.2M USD12.56M USD12M USD9.76M USD9.47M USD
Interest income22.49M USD22.23M USD18.82M USD12.53M USD10.51M USD
Interest expense9.18M USD9.9M USD7.91M USD2.28M USD2.12M USD
Depreciation and amortization593K USD572K USD422K USD431K USD437K USD
Operating income3.36M USD−1.78M USD−937K USD2.18M USD611K USD
Net income2.84M USD−1.31M USD−733K USD1.75M USD518K USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.35

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.390.310.220.14Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 13, 2024: actual 0.17, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 27, 2025: actual 0.16, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 1, 2025: actual 0.22, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 0.23, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 0.24, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 25, 2026: actual 0.31, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 7, 2026: actual 0.31, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 11, 2026: actual 0.35, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates7M6.4M5.8M5.2MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 13, 2024: actual 6.24M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 27, 2025: actual 6.39M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 1, 2025: actual 6.1M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 5.47M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 6.69M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 25, 2026: actual 6.73M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 7, 2026: actual 6.27M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 11, 2026: actual 6.56M USD, estimate —, surprise —, Comparison unavailable.

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ETFs holding TCBS

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
570.56K
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
443.42K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
129.32K
Weight
0.01%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

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