Texas Community Bancshares Inc.

TCBS | NASDAQ

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$17

$0 (0.00%)

At close: Sep 21, 2026, 4:00 PM ET

$17.02

+$0.02 (+0.12%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $49.04M

Enterprise Value $32.88M

Beta -0.03

Average Volume 2.19K

Shares Outstanding (Diluted) 2.74M

Shares Change YoY -6.16%

Institutional Ownership 14.37%

Exchange NASDAQ

ISIN US88231Q1085

Price Performance

Price Change 1M -2.2%

Price Change 3M -8.0%

Price Change 6M -1.4%

Price Change YTD -5.5%

Price Change 1Y 1.6%

Price Change 3Y 32.9%

Price Change 5Y 8.8%

1M CAGR (ann.) -2.1%

1Y CAGR (ann.) 4.0%

5Y CAGR (ann.) 0.2%

All-Time CAGR 11.6%

Valuation

PE Ratio 14.53

Forward PE N/A

PEG Ratio 0.31

Forward PEG 0.31

PS Ratio 1.87

Forward PS N/A

PB Ratio 0.89

P/FCF Ratio 10.45

P/Adj. FCF Ratio 11.87

P/OCF Ratio 9.24

EV/Sales 1.25

EV/EBIT 8.44

EV/EBITDA 7.61

EV/FCF 7.01

Earnings Yield 6.9%

FCF Yield 9.6%

Adj. FCF Yield 8.4%

Financial Health

Net Cash $16.16M

Total Debt $46.46M

Cash & Short-Term Investments $62.63M

Total Assets $444.35M

Current Ratio 0.02

Quick Ratio 0.02

Debt / Equity Ratio 0.84

Debt / EBITDA 10.76

Debt / FCF 9.90

OCF / Debt 0.10

Interest Coverage 0.44

Altman Z-Score -0.63

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 63.0%

Operating Profit Margin 14.8%

EBITDA Margin 16.4%

Net Profit Margin 12.7%

FCF Margin 17.9%

Adj. FCF Margin 15.7%

SBC / Revenue 2.1%

SBC Impact (per share) -11.9%

Returns

Return on Assets 0.8%

Return on Equity 6.1%

Return on Invested Capital 3.2%

Return on Capital Employed 3.7%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 18.4%

Revenue CAGR 5Y 16.5%

Revenue CAGR 10Y N/A

EPS CAGR 3Y 239.1%

EPS CAGR 5Y 50.8%

EPS CAGR 10Y N/A

FCF CAGR 3Y 290.7%

FCF CAGR 5Y 20.6%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Aug 10, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $23.42

Graham Upside 37.8%

Lynch Fair Value $29.25

Lynch Upside 72.1%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $4.87M

Free Cash Flow $4.69M

Adj. Free Cash Flow $4.13M

FCF Per Share $1.77

OCF Per Share $1.84

OCF/S Ratio 18.6%

Income Statement

Revenue $26.24M

Gross Profit $16.52M

Operating Income $3.89M

EBITDA $4.32M

Net Income $3.33M

EPS (Diluted) $1.17

Revenue / Employee $430.23K

Profit / Employee $54.54K

Employees 61

Dividends

Annual Dividend $0.25

Dividend Yield 1.47%

Payout Ratio 21.4%

FCF Payout Ratio 14.2%

Adj. FCF Payout Ratio 16.1%

Dividend Growth (YoY) 56.3%

Pay Frequency Quarterly

Ex-Dividend Date Sep 7, 2026