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Texas Community Bancshares(NASDAQ) TCBS

Current Price$17.87
Market Cap$50.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)+20%
5 Year+18%
1 Year+8%
1 Month-6%
Texas Community Bancshares last closing stock price
MetricPriceDate
Last closeUSD 17.462026-07-23
Texas Community Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.8%USD 17.602026-07-16
1 month-5.52%USD 18.482026-06-23
3 month+3.65%USD 16.852026-04-24
Year to date-2.2%USD 17.852025-12-31
1 year+7.64%USD 16.222025-07-23
3 year+46.98%USD 11.882023-07-24
5 year+18.25%USD 14.772021-07-23
Since inception+20.37%USD 14.512021-07-16

Texas Community Bancshares Financials at a Glance

Market Cap

$50.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$25.74M

Net Income (TTM)

$3.04M

EPS (TTM)

$1.07

P/E Ratio

16.38

Dividend

$0.20

Beta (Volatility)

0.09 (Low)

Price

$17.87

Volume

4

Open

$17.87

Previous Close

$17.87

Daily Range

$17.87 - $17.87

52-Week Range

$15.67 - $20.00

Estimated Earnings Date

Apr 24, 2026

TCBS News

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Texas Community Q2 Net Jumps 95%

Motley Fool Markets TeamAug 5, 2025

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About Texas Community Bancshares

Texas Community Bancshares helps people and businesses manage money and get loans. Its checking and savings accounts make daily banking simple for local families. Homebuyers and small businesses use its loans to buy property or expand operations.

Products and Services

  • Deposit Accounts: Savings, checking, and retirement accounts for individuals and businesses (revenue breakdown not disclosed).
  • Residential Mortgage Loans: Home loans for one- to four-family properties, serving local buyers (45.8% of loan portfolio).
  • Commercial Real Estate Loans: Financing for business properties, including self-storage and rental units (20.1% of loan portfolio).
  • Construction and Land Loans: Loans for building homes, commercial sites, and land development (15.8% of loan portfolio).
  • Consumer and Other Loans: Car, boat, unsecured, and agricultural loans for individuals and farmers (1.5% of loan portfolio).
  • Banking Services: Online banking, debit cards, sweep accounts, and safe deposit boxes for convenience (revenue breakdown not disclosed).

Growth and Expansion

  • Completed initial public offering in July 2021, raising capital for growth.
  • Opened new branches in Tyler and Lindale, Texas in 2024.
  • Sold $24.3 million in residential loans in 2024 to diversify its loan portfolio.
  • Entered wholesale lending agreement with The Independent Bankers Bank in 2023 for mortgage facilitation.
  • Purchased land in Terrell, Texas in January 2026 for a future branch location.

What Makes Texas Community Bancshares Stand Out

The company focuses on community banking, keeping most loans in-house for direct customer service. It maintains strong capital and risk management, with conservative lending practices. Expansion into new Texas markets supports its diversification strategy.

Five Things You Need to Know

  • Net interest income was $13.3 million in 2025, up 6.1% from 2024.
  • Net income reached $2.8 million in 2025, reversing a $1.3 million loss in 2024.
  • Total assets were $429.8 million at year-end 2025, down 3.1% from 2024.
  • Loan portfolio grew 3.2% to $303.2 million in 2025.
  • Return on average assets improved to 0.65% in 2025 from -0.29% in 2024.

Bottom Line

Texas Community Bancshares has evolved from a local lender to a diversified regional bank. Its focus on community banking and steady expansion shapes its current position in Texas financial services.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

61

CEO

Jason Sobel

Website

www.broadstreet.bank

Headquarters

Mineola, TX 75773, US

TCBS Financials

Key Financial Metrics (TTM)

Gross Margin

62.19%

Operating Margin

13.87%

Net Income Margin

11.79%

Return on Equity

5.66%

Return on Capital

3.38%

Return on Assets

0.71%

Earnings Yield

6.11%

Dividend Yield

1.14%

Payout Ratio

20.20%

Stock Overview

Market Cap

$50.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.89M

Volume

4

Avg. Volume

2.73K

Financials (TTM)

Gross Profit

$16.01M

Operating Income

$3.57M

EBITDA

$4.14M

Operating Cash Flow

$4.51M

Capital Expenditure

-$2.15M

Free Cash Flow

$2.36M

Cash & ST Invst.

$55.11M

Total Debt

$41.57M

Texas Community Bancshares Performance Analysis

Texas Community Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 14,428,00017.8%
20232023-12-31USD 19,331,00034.0%
20242024-12-31USD 20,836,0007.8%
20252025-12-31USD 25,570,00022.7%
Texas Community Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-0.7%
Q32025-09-3010.5%
Q42025-12-310.6%
Q12026-03-31-6.9%
Texas Community Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.58235.8%
20232023-12-31USD -0.24N/A
20242024-12-31USD -0.4587.0%
20252025-12-31USD 1.00N/A
Texas Community Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-304.5%
Q32025-09-304.3%
Q42025-12-3120.8%
Q12026-03-31N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$6.27M

+2.8%

Gross Profit

$4.12M

+12.1%

Gross Margin

65.78%

N/A

Market Cap

$50.38MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$825.88K

N/A

Employees

61

N/A

Net Income

$836.00K

+30.0%

EBITDA

$1.08M

+20.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$55.11M

-40.5%

Total Debt

$41.57M

-16.1%

Accounts Receivable

$1.68M

-43.8%

Inventory

$0.00

N/A

Long Term Debt

$41.57M

-16.1%

Short Term Debt

$0.00

N/A

Return on Assets

0.71%

N/A

Return on Invested Capital

3.62%

N/A

Free Cash Flow

-$178.00K

+88.6%

Operating Cash Flow

$1.61M

+204.9%

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Questions About TCBS

What is the current price of Texas Community Bancshares?

Texas Community Bancshares is trading at $17.87 per share.

What is the 52-week range for Texas Community Bancshares?

Over the past 52 weeks, Texas Community Bancshares has traded between $15.67 and $20.00.

How much debt does Texas Community Bancshares have?

As of the most recent reporting period, Texas Community Bancshares reported total debt of $41.57M.

How much cash does Texas Community Bancshares have on hand?

Texas Community Bancshares does not have cash on hand data available.

What is Texas Community Bancshares’s dividend yield?

Texas Community Bancshares currently has a dividend yield of 1.14%.

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