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Texas Community Bancshares (TCBS) Financials

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$17.52 -0.08 (-0.45%)
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Annual Income Statements for Texas Community Bancshares

Annual Income Statements for Texas Community Bancshares

This table shows Texas Community Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 0.75 0.52 1.55 -0.73 -1.31 2.84
Consolidated Net Income / (Loss)		 0.75 0.52 1.75 -0.73 -1.31 2.84
Net Income / (Loss) Continuing Operations		 0.75 0.52 1.55 -0.73 -1.31 2.84
Total Pre-Tax Income 		0.94 0.61 2.18 -0.94 -1.78 3.36
Total Revenue		 9.85 10 12 11 11 16
Net Interest Income / (Expense)		 8.29 8.42 10 11 13 13
Total Interest Income		 11 11 13 19 22 22
Loans and Leases Interest Income		 9.62 9.58 10 13 16 18
Investment Securities Interest Income		 0.94 0.88 2.35 5.50 5.14 4.28
Deposits and Money Market Investments Interest Income		 0.24 0.06 0.04 0.45 0.72 0.32
Federal Funds Sold and Securities Borrowed Interest Income		 0.01 0.02 0.10 0.19 0.67 0.21
Total Interest Expense		 2.51 2.12 2.28 7.91 9.90 9.18
Deposits Interest Expense		 1.81 1.49 1.50 5.34 7.29 7.11
Long-Term Debt Interest Expense		 0.69 0.62 0.78 2.56 2.60 2.06
Other Interest Expense		 0.01 0.01 0.01 0.01 0.01 0.01
Total Non-Interest Income		 1.56 1.72 1.87 0.35 -1.90 3.08
Service Charges on Deposit Accounts		 0.56 0.58 0.67 0.69 0.69 0.73
Other Service Charges		 0.87 1.03 1.08 1.26 1.27 1.39
Net Realized & Unrealized Capital Gains on Investments		 - 0.00 0.02 -1.70 -3.91 0.30
Other Non-Interest Income		 0.12 0.11 0.11 0.11 0.06 0.67
Provision for Credit Losses		 0.48 0.05 0.42 0.36 0.16 0.83
Total Non-Interest Expense		 8.42 9.47 9.77 12 12 12
Salaries and Employee Benefits		 4.91 5.15 5.80 7.07 6.84 6.53
Net Occupancy & Equipment Expense		 1.58 1.56 2.01 2.24 2.48 2.41
Other Operating Expenses		 1.93 2.77 1.96 2.69 2.96 3.26
Income Tax Expense		 0.19 0.09 0.42 -0.20 -0.48 0.52
Basic Earnings per Share		 $0.00 $0.17 $0.58 ($0.24) ($0.45) $1.04
Weighted Average Basic Shares Outstanding		 0.00 3.00M 3.03M 3.06M 2.92M 2.73M
Diluted Earnings per Share		 $0.00 $0.17 $0.58 ($0.24) ($0.44) $1.00
Weighted Average Diluted Shares Outstanding		 0.00 3.00M 3.03M 3.06M 2.99M 2.86M
Weighted Average Basic & Diluted Shares Outstanding		 - 3.26M 3.37M 3.19M 3.06M 2.89M
Cash Dividends to Common per Share		 - - - $0.03 - $0.20

Quarterly Income Statements for Texas Community Bancshares

This table shows Texas Community Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 0.46 -0.33 -2.69 0.35 0.52 0.52 0.64 0.68 0.68 0.84 0.84
Consolidated Net Income / (Loss)		 0.46 -0.33 -2.69 0.35 0.52 0.52 0.64 0.68 0.68 0.84 0.84
Net Income / (Loss) Continuing Operations		 0.46 -0.33 -2.69 0.35 0.52 0.52 0.64 0.68 0.68 0.84 0.84
Total Pre-Tax Income 		0.57 -0.40 -3.39 0.40 0.60 0.61 0.75 0.82 0.77 1.03 0.96
Total Revenue		 3.44 3.39 -0.60 3.58 3.74 3.93 3.79 3.75 4.40 4.45 4.13
Net Interest Income / (Expense)		 2.84 2.94 2.96 3.18 3.21 3.19 3.33 3.17 3.28 3.54 3.43
Total Interest Income		 4.98 5.32 5.42 5.68 5.70 5.65 5.63 5.47 5.56 5.82 5.57
Loans and Leases Interest Income		 3.41 3.55 3.71 3.80 4.04 4.37 4.40 4.27 4.33 4.68 4.65
Investment Securities Interest Income		 1.43 1.46 1.39 1.42 1.26 1.07 1.07 1.04 1.14 1.04 0.80
Deposits and Money Market Investments Interest Income		 0.07 0.25 0.26 0.22 0.13 0.12 0.10 0.11 0.05 0.06 0.06
Federal Funds Sold and Securities Borrowed Interest Income		 0.06 0.06 0.07 0.24 0.27 0.09 0.06 0.06 0.05 0.04 0.06
Total Interest Expense		 2.13 2.38 2.46 2.50 2.49 2.46 2.31 2.30 2.29 2.28 2.14
Deposits Interest Expense		 1.44 1.67 1.76 1.81 1.84 1.88 1.80 1.80 1.78 1.73 1.65
Long-Term Debt Interest Expense		 0.69 0.71 0.70 0.68 0.64 0.58 0.50 0.50 0.50 0.56 0.49
Other Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 0.59 0.46 -3.56 0.39 0.53 0.74 0.46 0.58 1.13 0.91 0.70
Service Charges on Deposit Accounts		 0.18 0.17 0.17 0.17 0.17 0.18 0.17 0.18 0.19 0.20 0.18
Other Service Charges		 0.35 0.30 0.27 0.36 0.32 0.32 0.31 0.29 0.37 0.42 0.50
Net Realized & Unrealized Capital Gains on Investments		 0.04 -0.05 -4.03 -0.15 -0.01 0.27 0.00 0.07 -0.02 0.29 -0.03
Other Non-Interest Income		 0.03 0.03 0.03 0.01 0.04 -0.03 -0.01 0.04 0.59 -0.00 0.04
Provision for Credit Losses		 0.03 0.14 -0.28 0.12 0.26 0.05 0.11 -0.04 0.49 0.27 0.01
Total Non-Interest Expense		 2.83 3.65 3.07 3.05 2.88 3.27 2.93 2.97 3.15 3.15 3.17
Salaries and Employee Benefits		 1.69 2.13 1.67 1.64 1.64 1.90 1.65 1.57 1.57 1.74 1.64
Net Occupancy & Equipment Expense		 0.56 0.61 0.64 0.70 0.56 0.58 0.54 0.59 0.68 0.61 0.70
Other Operating Expenses		 0.59 0.91 0.77 0.72 0.69 0.79 0.74 0.82 0.91 0.80 0.83
Income Tax Expense		 0.12 -0.07 -0.71 0.05 0.09 0.09 0.11 0.14 0.09 0.19 0.12
Basic Earnings per Share		 $0.15 ($0.11) ($0.90) $0.12 $0.18 $0.15 $0.22 $0.24 $0.25 $0.33 $0.32
Weighted Average Basic Shares Outstanding		 3.06M 3.06M 2.97M 2.96M 2.94M 2.92M 2.86M 2.83M 2.77M 2.73M 2.65M
Diluted Earnings per Share		 $0.15 ($0.11) ($0.89) $0.12 $0.17 $0.16 $0.22 $0.23 $0.24 $0.31 $0.31
Weighted Average Diluted Shares Outstanding		 3.06M 3.06M 3.01M 3.01M 3.01M 2.99M 2.97M 2.92M 2.87M 2.86M 2.74M
Weighted Average Basic & Diluted Shares Outstanding		 3.21M 3.19M 3.19M 3.16M 3.12M 3.06M 3.04M 2.97M 2.91M 2.89M 2.89M
Cash Dividends to Common per Share		 $0.03 - $0.04 $0.04 $0.04 - $0.04 $0.04 $0.04 - $0.05

Annual Cash Flow Statements for Texas Community Bancshares

This table details how cash moves in and out of Texas Community Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 2.54 14 -13 4.13 0.23 -6.84
Net Cash From Operating Activities		 1.91 1.76 3.13 2.29 1.94 1.37
Net Cash From Continuing Operating Activities		 1.91 1.76 3.34 2.29 1.94 1.37
Net Income / (Loss) Continuing Operations		 0.75 0.52 1.75 -0.73 -1.31 2.84
Consolidated Net Income / (Loss)		 0.75 0.52 1.75 -0.73 -1.31 2.84
Provision For Loan Losses		 0.48 0.05 0.42 0.36 0.16 0.83
Depreciation Expense		 0.43 0.44 0.43 0.42 0.57 0.59
Amortization Expense		 0.39 0.44 0.42 -0.05 0.07 -0.15
Non-Cash Adjustments to Reconcile Net Income		 -0.25 -0.10 0.17 2.03 4.14 0.66
Changes in Operating Assets and Liabilities, net		 0.11 0.41 0.15 0.26 -1.70 -3.41
Net Cash From Investing Activities		 -30 -53 -72 -31 8.80 7.68
Net Cash From Continuing Investing Activities		 -30 -53 -72 -31 8.80 7.68
Purchase of Property, Leasehold Improvements and Equipment		 -0.81 -0.14 -0.39 -5.60 -1.20 -0.39
Purchase of Investment Securities		 -69 -100 -107 -54 -57 -73
Sale and/or Maturity of Investments		 40 48 35 28 67 81
Net Cash From Financing Activities		 31 65 56 33 -11 -16
Net Cash From Continuing Financing Activities		 31 65 56 33 -11 -16
Net Change in Deposits		 31 40 21 21 19 -7.92
Issuance of Debt		 5.00 0.00 193 33 5.05 16
Repayment of Debt		 -5.37 -3.20 -158 -19 -32 -20
Repurchase of Common Equity		 0.00 -2.61 0.00 -2.20 -1.58 -3.16
Payment of Dividends		 - - 0.00 -0.37 -0.50 -0.59

Quarterly Cash Flow Statements for Texas Community Bancshares

This table details how cash moves in and out of Texas Community Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 2.37 0.64 7.93 11 -15 -4.47 -1.47 -0.53 0.89 -5.73 0.00
Net Cash From Operating Activities		 1.47 -0.68 0.64 0.40 0.82 0.08 -1.53 1.01 1.59 0.30 1.61
Net Cash From Continuing Operating Activities		 1.47 -0.68 0.64 0.40 0.82 0.08 -1.53 1.01 1.59 0.30 1.61
Net Income / (Loss) Continuing Operations		 0.46 -0.33 -2.69 0.35 0.52 0.52 0.64 0.68 0.68 0.84 0.84
Consolidated Net Income / (Loss)		 0.46 -0.33 -2.69 0.35 0.52 0.52 0.64 0.68 0.68 0.84 0.84
Provision For Loan Losses		 0.03 0.14 -0.28 0.12 0.26 0.05 0.11 -0.04 0.49 0.27 0.01
Depreciation Expense		 0.09 0.11 0.14 0.14 0.15 0.14 0.15 0.15 0.15 0.15 0.12
Amortization Expense		 -0.03 -0.02 0.01 -0.00 0.04 0.03 -0.02 -0.01 -0.08 -0.05 0.04
Non-Cash Adjustments to Reconcile Net Income		 0.09 0.32 3.57 0.33 0.26 -0.02 0.74 0.22 -0.36 0.05 0.17
Changes in Operating Assets and Liabilities, net		 0.84 -0.91 -0.12 -0.54 -0.41 -0.64 -3.16 0.01 0.71 -0.97 0.44
Net Cash From Investing Activities		 -2.89 -13 -6.64 24 -8.51 -0.05 -0.70 -1.90 5.90 4.38 -1.41
Net Cash From Continuing Investing Activities		 -2.89 -13 -6.64 24 -8.51 -0.05 -0.70 -1.90 5.90 4.38 -1.41
Purchase of Property, Leasehold Improvements and Equipment		 -1.04 -1.24 -0.99 -0.20 -0.01 -0.01 -0.03 -0.19 -0.04 -0.14 -1.79
Purchase of Investment Securities		 -0.84 -22 -2.04 -12 -20 -22 -6.84 -5.45 -9.78 -51 3.27
Sale and/or Maturity of Investments		 -1.01 10 -3.61 36 11 22 6.16 3.74 16 56 -2.90
Net Cash From Financing Activities		 3.79 14 14 -13 -6.84 -4.50 0.77 0.36 -6.61 -10 -0.19
Net Cash From Continuing Financing Activities		 3.79 14 14 -13 -6.84 -4.50 0.77 0.36 -6.61 -10 -0.19
Net Change in Deposits		 -2.67 17 15 -7.23 1.72 9.52 1.70 1.65 -5.02 -6.26 4.05
Repayment of Debt		 -2.48 -2.48 -0.37 -5.32 -8.07 -18 -0.32 -0.32 -3.52 -16 -4.10
Repurchase of Common Equity		 -0.97 -0.62 -0.15 -0.43 -0.42 -0.58 -0.50 -0.85 -1.01 -0.82 0.00
Payment of Dividends		 -0.10 -0.10 -0.13 -0.13 -0.13 -0.12 -0.12 -0.12 -0.12 -0.23 -0.14

Annual Balance Sheets for Texas Community Bancshares

This table presents Texas Community Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 300 365 417 452 443 430
Cash and Due from Banks		 5.97 5.65 6.90 5.41 4.02 3.88
Federal Funds Sold		 2.11 16 2.03 7.65 9.28 2.57
Interest Bearing Deposits at Other Banks		 14 15 2.06 12 9.72 5.51
Trading Account Securities		 47 90 135 119 98 78
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 - 220 0.00 280 292 302
Premises and Equipment, Net		 6.38 6.22 6.30 12 12 11
Other Assets		 223 11 265 15 19 26
Total Liabilities & Shareholders' Equity		 300 365 417 452 443 430
Total Liabilities		 268 305 361 398 391 376
Non-Interest Bearing Deposits		 31 41 46 46 41 46
Interest Bearing Deposits		 204 234 250 272 294 282
Long-Term Debt		 31 28 62 77 50 46
Other Long-Term Liabilities		 1.79 2.19 2.91 4.22 5.64 2.51
Total Equity & Noncontrolling Interests		 32 60 56 54 52 54
Total Preferred & Common Equity		 32 60 56 54 52 54
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 32 60 56 54 52 54
Common Stock		 0.00 31 31 32 33 33
Retained Earnings		 32 32 34 32 30 32
Treasury Stock		 - - 0.00 -2.20 -3.78 -6.94
Accumulated Other Comprehensive Income / (Loss)		 0.13 -0.69 -7.00 -5.59 -4.77 -3.06
Other Equity Adjustments		 0.00 -2.48 -2.35 -2.20 -2.04 -1.88

Quarterly Balance Sheets for Texas Community Bancshares

This table presents Texas Community Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 437 464 452 446 442 444 439 430
Cash and Due from Banks		 5.28 5.88 6.74 5.20 8.61 4.92 5.05 3.22
Federal Funds Sold		 7.14 15 26 13 3.22 6.38 7.14 3.23
Interest Bearing Deposits at Other Banks		 9.07 29 7.76 3.19 9.28 17 1.30 10
Trading Account Securities		 120 118 114 104 96 93 105 78
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 269 15 267 292 296 293 284 297
Premises and Equipment, Net		 10 12 12 12 11 12 11 13
Other Assets		 15 269 18 18 17 18 26 26
Total Liabilities & Shareholders' Equity		 437 464 452 446 442 444 439 430
Total Liabilities		 383 412 400 393 389 391 386 376
Non-Interest Bearing Deposits		 44 46 43 44 44 49 49 49
Interest Bearing Deposits		 256 286 282 282 294 290 285 283
Long-Term Debt		 79 77 71 63 50 49 49 42
Other Long-Term Liabilities		 4.18 3.97 4.03 3.81 2.36 2.80 3.02 2.69
Total Equity & Noncontrolling Interests		 53 51 52 53 53 53 54 54
Total Preferred & Common Equity		 53 51 52 53 53 53 54 54
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 53 51 52 53 53 53 54 54
Common Stock		 32 32 32 32 33 33 33 33
Retained Earnings		 32 29 29 30 31 31 32 33
Treasury Stock		 -1.58 -2.35 -2.78 -3.20 -4.27 -5.12 -6.12 -6.94
Accumulated Other Comprehensive Income / (Loss)		 -6.96 -5.18 -4.87 -4.13 -4.37 -4.16 -3.26 -3.37
Other Equity Adjustments		 -2.25 -2.16 -2.13 -2.10 -2.01 -1.97 -1.93 -1.85

Annual Metrics And Ratios for Texas Community Bancshares

This table displays calculated financial ratios and metrics derived from Texas Community Bancshares' official financial filings.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 3,003,653.00 3,296,843.00 3,208,881.00 3,115,652.00 2,914,743.00
DEI Adjusted Shares Outstanding		 0.00 3,003,653.00 3,296,843.00 3,208,881.00 3,115,652.00 2,914,743.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.17 0.53 -0.23 -0.42 0.98
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 2.89% 19.89% -6.05% -6.74% 53.97%
EBITDA Growth		 0.00% -15.28% 89.20% -119.92% -101.96% 435.51%
EBIT Growth		 0.00% -35.14% 222.26% -147.59% -90.07% 288.88%
NOPAT Growth		 0.00% -30.84% 238.61% -137.39% -90.07% 327.96%
Net Income Growth		 0.00% -30.84% 238.61% -141.79% -78.04% 317.78%
EPS Growth		 0.00% 0.00% 241.18% -141.38% -83.33% 327.27%
Operating Cash Flow Growth		 0.00% -8.06% 78.09% -26.88% -15.17% -29.57%
Free Cash Flow Firm Growth		 0.00% 0.00% -18.09% 55.45% 312.41% -80.25%
Invested Capital Growth		 0.00% 39.86% 34.96% 10.32% -21.90% -2.51%
Revenue Q/Q Growth		 0.00% 1.85% 4.61% 1.67% 5.29% 3.27%
EBITDA Q/Q Growth		 0.00% 28.11% -3.29% -363.85% 49.06% 9.87%
EBIT Q/Q Growth		 0.00% 112.27% -1.75% -284.02% 36.16% 14.11%
NOPAT Q/Q Growth		 0.00% 158.82% 7.48% -2,502.78% 36.16% 12.87%
Net Income Q/Q Growth		 0.00% 158.82% 7.48% -10,571.43% 39.42% 12.87%
EPS Q/Q Growth		 0.00% 0.00% -15.94% 0.00% 38.03% 17.65%
Operating Cash Flow Q/Q Growth		 0.00% -63.08% 780.22% -35.59% 64.63% 19.39%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% -8,019.94% 69.35% 85.19% -66.49%
Invested Capital Q/Q Growth		 0.00% -1.07% 30.58% -1.54% -12.01% -2.82%
Profitability Metrics		 - - - - - -
EBITDA Margin		 17.87% 14.71% 23.22% -4.92% -10.66% 23.23%
EBIT Margin		 9.56% 6.03% 16.20% -8.21% -16.73% 20.52%
Profit (Net Income) Margin		 7.60% 5.11% 14.44% -6.42% -12.26% 17.34%
Tax Burden Percent		 79.51% 84.78% 80.57% 78.23% 73.27% 84.48%
Interest Burden Percent		 100.00% 100.00% 110.56% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.49% 15.22% 19.43% 0.00% 0.00% 15.52%
Return on Invested Capital (ROIC)		 1.19% 0.69% 1.70% -0.53% -1.07% 2.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.19% 0.69% 1.70% -0.64% -1.16% 2.82%
Return on Net Nonoperating Assets (RNNOA)		 1.15% 0.44% 1.32% -0.81% -1.39% 2.55%
Return on Equity (ROE)		 2.35% 1.13% 3.02% -1.34% -2.47% 5.37%
Cash Return on Invested Capital (CROIC)		 0.00% -32.55% -28.06% -10.35% 23.52% 5.36%
Operating Return on Assets (OROA)		 0.31% 0.18% 0.50% -0.22% -0.40% 0.77%
Return on Assets (ROA)		 0.25% 0.16% 0.45% -0.17% -0.29% 0.65%
Return on Common Equity (ROCE)		 2.35% 1.13% 3.02% -1.34% -2.47% 5.37%
Return on Equity Simple (ROE_SIMPLE)		 2.35% 0.86% 3.14% -1.37% -2.50% 5.29%
Net Operating Profit after Tax (NOPAT)		 0.75 0.52 1.75 -0.66 -1.25 2.84
NOPAT Margin		 7.60% 5.11% 14.44% -5.75% -11.71% 17.34%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.11% 0.09% 0.00%
SG&A Expenses to Revenue		 65.89% 66.15% 64.23% 81.50% 87.49% 54.54%
Operating Expenses to Revenue		 85.52% 93.48% 80.37% 105.09% 115.24% 74.41%
Earnings before Interest and Taxes (EBIT)		 0.94 0.61 1.97 -0.94 -1.78 3.36
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1.76 1.49 2.82 -0.56 -1.14 3.81
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 1.00 0.76 0.89 0.83 0.90 0.97
Price to Tangible Book Value (P/TBV)		 1.03 0.77 0.90 0.84 0.90 0.97
Price to Revenue (P/Rev)		 3.26 4.53 4.11 3.91 4.39 3.19
Price to Earnings (P/E)		 42.83 88.59 32.26 0.00 0.00 18.37
Dividend Yield		 0.00% 0.00% 0.00% 0.79% 1.07% 1.34%
Earnings Yield		 2.34% 1.13% 3.10% 0.00% 0.00% 5.44%
Enterprise Value to Invested Capital (EV/IC)		 0.65 0.42 0.86 0.74 0.72 0.86
Enterprise Value to Revenue (EV/Rev)		 4.14 3.61 8.34 8.43 6.92 5.24
Enterprise Value to EBITDA (EV/EBITDA)		 23.16 24.54 35.94 0.00 0.00 22.57
Enterprise Value to EBIT (EV/EBIT)		 43.27 59.89 51.49 0.00 0.00 25.54
Enterprise Value to NOPAT (EV/NOPAT)		 54.42 70.64 57.81 0.00 0.00 30.24
Enterprise Value to Operating Cash Flow (EV/OCF)		 21.33 20.83 32.40 42.05 37.95 62.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 2.69 15.91
Leverage & Solvency		 - - - - - -
Debt to Equity		 0.96 0.46 1.12 1.43 0.96 0.85
Long-Term Debt to Equity		 0.96 0.46 1.12 1.43 0.96 0.85
Financial Leverage		 0.96 0.63 0.78 1.27 1.20 0.90
Leverage Ratio		 9.38 7.22 6.74 7.94 8.46 8.25
Compound Leverage Factor		 9.38 7.22 7.46 7.94 8.46 8.25
Debt to Total Capital		 49.07% 31.44% 52.80% 58.89% 48.91% 45.93%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 49.07% 31.44% 52.80% 58.89% 48.91% 45.93%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 50.93% 68.56% 47.20% 41.11% 51.09% 54.07%
Debt to EBITDA		 17.48 18.49 22.15 -136.83 -43.95 11.99
Net Debt to EBITDA		 4.93 -6.24 18.26 -91.70 -23.67 8.85
Long-Term Debt to EBITDA		 17.48 18.49 22.15 -136.83 -43.95 11.99
Debt to NOPAT		 41.08 53.23 35.63 -117.24 -40.01 16.07
Net Debt to NOPAT		 11.59 -17.95 29.37 -78.58 -21.55 11.86
Long-Term Debt to NOPAT		 41.08 53.23 35.63 -117.24 -40.01 16.07
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -24 -29 -13 27 5.40
Operating Cash Flow to CapEx		 237.10% 1,282.48% 829.97% 40.85% 161.62% 346.95%
Free Cash Flow to Firm to Interest Expense		 0.00 -11.57 -12.66 -1.63 2.76 0.59
Operating Cash Flow to Interest Expense		 0.76 0.83 1.37 0.29 0.20 0.15
Operating Cash Flow Less CapEx to Interest Expense		 0.44 0.77 1.21 -0.42 0.07 0.11
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.02 0.04
Fixed Asset Turnover		 1.54 1.61 1.94 1.28 0.92 1.43
Capital & Investment Metrics		 - - - - - -
Invested Capital		 63 88 118 131 102 99
Invested Capital Turnover		 0.16 0.13 0.12 0.09 0.09 0.16
Increase / (Decrease) in Invested Capital		 0.00 25 31 12 -29 -2.56
Enterprise Value (EV)		 41 37 101 96 74 86
Market Capitalization		 32 46 50 45 47 52
Book Value per Share		 $9.96 $20.02 $16.95 $16.73 $16.72 $18.44
Tangible Book Value per Share		 $9.75 $19.84 $16.83 $16.65 $16.68 $18.44
Total Capital		 63 88 118 131 102 99
Total Debt		 31 28 62 77 50 46
Total Long-Term Debt		 31 28 62 77 50 46
Net Debt		 8.68 -9.30 52 52 27 34
Capital Expenditures (CapEx)		 0.81 0.14 0.38 5.60 1.20 0.39
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.08 0.06 0.00
Net Nonoperating Obligations (NNO)		 31 28 62 77 50 46
Total Depreciation and Amortization (D&A)		 0.82 0.88 0.85 0.38 0.65 0.44
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.17 $0.58 ($0.24) ($0.45) $1.04
Adjusted Weighted Average Basic Shares Outstanding		 0.00 3.00M 3.03M 3.06M 2.92M 2.73M
Adjusted Diluted Earnings per Share		 $0.00 $0.17 $0.58 ($0.24) ($0.44) $1.00
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 3.00M 3.03M 3.06M 2.99M 2.86M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 3.26M 3.37M 3.19M 3.06M 2.89M
Normalized Net Operating Profit after Tax (NOPAT)		 0.75 0.52 1.75 -0.66 -1.25 2.84
Normalized NOPAT Margin		 7.60% 5.11% 14.44% -5.75% -11.71% 17.34%
Pre Tax Income Margin		 9.56% 6.03% 17.92% -8.21% -16.73% 20.52%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 0.38 0.29 0.86 -0.12 -0.18 0.37
NOPAT to Interest Expense		 0.30 0.24 0.77 -0.08 -0.13 0.31
EBIT Less CapEx to Interest Expense		 0.05 0.22 0.70 -0.83 -0.30 0.32
NOPAT Less CapEx to Interest Expense		 -0.02 0.18 0.60 -0.79 -0.25 0.27
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% -50.20% -38.62% 20.87%
Augmented Payout Ratio		 0.00% 503.09% 0.00% -350.20% -159.54% 132.16%

Quarterly Metrics And Ratios for Texas Community Bancshares

This table displays calculated financial ratios and metrics derived from Texas Community Bancshares' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 3,291,806.00 3,208,881.00 3,187,881.00 3,187,881.00 3,155,675.00 3,115,652.00 3,061,652.00 3,042,652.00 2,966,743.00 2,914,743.00 2,885,392.00
DEI Adjusted Shares Outstanding		 3,291,806.00 3,208,881.00 3,187,881.00 3,187,881.00 3,155,675.00 3,115,652.00 3,061,652.00 3,042,652.00 2,966,743.00 2,914,743.00 2,885,392.00
DEI Earnings Per Adjusted Shares Outstanding		 0.14 -0.10 -0.84 0.11 0.16 0.17 0.21 0.22 0.23 0.29 0.29
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.76% 5.83% -142.04% 13.06% 8.93% 15.77% 732.72% 4.95% 17.66% 13.22% 8.94%
EBITDA Growth		 -26.31% -165.60% -161.87% 53.14% 24.01% 356.03% 127.14% 79.48% 6.75% 43.51% 26.93%
EBIT Growth		 -13.83% -234.92% -160.40% 108.38% 5.24% 253.52% 122.07% 106.53% 27.03% 68.09% 27.50%
NOPAT Growth		 -15.40% -168.28% -160.40% 117.50% 12.94% 285.57% 127.07% 94.83% 32.04% 62.67% 30.02%
Net Income Growth		 -15.40% -181.37% -164.01% 117.50% 12.94% 255.72% 123.95% 94.83% 32.04% 62.67% 30.02%
EPS Growth		 -16.67% -184.62% -169.70% 140.00% 13.33% 245.45% 124.72% 91.67% 41.18% 93.75% 40.91%
Operating Cash Flow Growth		 55.33% -217.18% 38.74% -61.04% -44.53% 111.73% -339.16% 149.26% 94.98% 277.50% 204.89%
Free Cash Flow Firm Growth		 -2,766.32% 58.68% 62.48% 108.46% 141.50% 332.94% 309.07% 487.95% -17.15% -88.32% -72.09%
Invested Capital Growth		 46.32% 10.32% 8.68% -2.63% -12.61% -21.90% -20.07% -16.98% -11.73% -2.51% -6.36%
Revenue Q/Q Growth		 8.63% -1.28% -117.66% 697.00% 4.67% 4.92% -3.49% -0.98% 17.35% 0.95% -7.13%
EBITDA Q/Q Growth		 80.86% -148.50% -956.03% 116.53% 46.46% 0.13% 11.96% 9.32% -12.89% 34.61% -0.98%
EBIT Q/Q Growth		 200.00% -169.46% -752.51% 111.73% 51.51% 1.33% 22.59% 9.75% -6.81% 34.07% -7.01%
NOPAT Q/Q Growth		 185.00% -161.10% -752.51% 114.65% 47.99% 0.39% 24.37% 5.44% 0.30% 23.68% -0.59%
Net Income Q/Q Growth		 185.00% -172.81% -708.73% 112.96% 47.99% 0.39% 24.37% 5.44% 0.30% 23.68% -0.59%
EPS Q/Q Growth		 200.00% -173.33% -709.09% 113.48% 41.67% -5.88% 37.50% 4.55% 4.35% 29.17% 0.00%
Operating Cash Flow Q/Q Growth		 41.85% -146.36% 193.99% -36.97% 101.98% -90.20% -2,016.25% 165.69% 57.99% -81.02% 432.45%
Free Cash Flow Firm Q/Q Growth		 4.22% 69.90% -0.75% 129.12% 370.08% 68.91% -9.58% -18.11% -33.76% -76.19% 116.05%
Invested Capital Q/Q Growth		 5.01% -1.54% -1.98% -3.91% -5.76% -12.01% 0.32% -0.20% 0.20% -2.82% -3.65%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 18.42% -9.05% 0.00% 14.99% 20.97% 20.02% 23.22% 25.63% 19.03% 25.37% 27.05%
EBIT Margin		 16.68% -11.73% 0.00% 11.13% 16.11% 15.56% 19.76% 21.90% 17.39% 23.10% 23.13%
Profit (Net Income) Margin		 13.27% -9.79% 0.00% 9.73% 13.76% 13.17% 16.97% 18.07% 15.44% 18.92% 20.25%
Tax Burden Percent		 79.58% 83.42% 79.13% 87.44% 85.41% 84.62% 85.85% 82.48% 88.77% 81.89% 87.54%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.42% 0.00% 0.00% 12.56% 14.59% 15.38% 14.15% 17.52% 11.23% 18.11% 12.46%
Return on Invested Capital (ROIC)		 1.33% -0.75% 0.00% 0.77% 1.12% 1.21% 2.22% 2.44% 2.25% 3.08% 3.42%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.33% -0.83% 0.00% 0.77% 1.12% 1.21% 2.22% 2.44% 2.25% 3.08% 3.42%
Return on Net Nonoperating Assets (RNNOA)		 1.40% -1.06% 0.00% 1.03% 1.51% 1.44% 2.68% 2.81% 2.37% 2.78% 2.91%
Return on Equity (ROE)		 2.74% -1.81% 0.00% 1.80% 2.63% 2.65% 4.90% 5.25% 4.61% 5.86% 6.33%
Cash Return on Invested Capital (CROIC)		 -37.63% -10.35% -10.04% 1.08% 11.89% 23.52% 24.06% 20.64% 14.77% 5.36% 9.64%
Operating Return on Assets (OROA)		 0.46% -0.31% 0.00% 0.25% 0.37% 0.37% 0.66% 0.74% 0.62% 0.87% 0.89%
Return on Assets (ROA)		 0.37% -0.26% 0.00% 0.22% 0.32% 0.31% 0.56% 0.61% 0.55% 0.71% 0.78%
Return on Common Equity (ROCE)		 2.74% -1.81% 0.00% 1.80% 2.63% 2.65% 4.90% 5.25% 4.61% 5.86% 6.33%
Return on Equity Simple (ROE_SIMPLE)		 0.01% 0.00% -4.66% -4.27% -4.09% 0.00% 3.83% 4.45% 4.70% 0.00% 5.60%
Net Operating Profit after Tax (NOPAT)		 0.46 -0.28 -2.38 0.35 0.52 0.52 0.64 0.68 0.68 0.84 0.84
NOPAT Margin		 13.27% -8.21% 0.00% 9.73% 13.76% 13.17% 16.97% 18.07% 15.44% 18.92% 20.25%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.08% 0.45% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 65.34% 80.81% 0.00% 65.41% 58.54% 63.15% 57.84% 57.42% 50.95% 52.86% 56.72%
Operating Expenses to Revenue		 82.48% 107.49% 0.00% 85.40% 76.86% 83.22% 77.26% 79.22% 71.55% 70.76% 76.73%
Earnings before Interest and Taxes (EBIT)		 0.57 -0.40 -3.39 0.40 0.60 0.61 0.75 0.82 0.77 1.03 0.96
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 0.63 -0.31 -3.24 0.54 0.79 0.79 0.88 0.96 0.84 1.13 1.12
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.79 0.83 0.89 0.89 0.87 0.90 0.92 0.92 0.90 0.97 0.93
Price to Tangible Book Value (P/TBV)		 0.79 0.84 0.90 0.89 0.88 0.90 0.92 0.92 0.90 0.97 0.93
Price to Revenue (P/Rev)		 3.75 3.91 4.90 4.70 4.56 4.39 3.22 3.21 3.02 3.19 3.02
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 23.90 20.75 19.05 18.37 16.65
Dividend Yield		 0.63% 0.79% 0.90% 0.97% 1.03% 1.07% 1.01% 1.25% 0.99% 1.34% 1.20%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 4.18% 4.82% 5.25% 5.44% 6.01%
Enterprise Value to Invested Capital (EV/IC)		 0.75 0.74 0.57 0.63 0.76 0.72 0.75 0.68 0.81 0.86 0.79
Enterprise Value to Revenue (EV/Rev)		 8.90 8.43 7.78 7.88 8.74 6.92 5.11 4.57 5.24 5.24 4.52
Enterprise Value to EBITDA (EV/EBITDA)		 469.34 0.00 0.00 0.00 0.00 0.00 25.71 20.35 24.02 22.57 18.68
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 32.53 24.94 28.24 25.54 21.16
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 37.97 29.52 33.06 30.24 24.89
Enterprise Value to Operating Cash Flow (EV/OCF)		 28.14 42.05 29.61 42.11 74.92 37.95 0.00 187.74 72.71 62.86 16.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 57.43 5.98 2.69 2.77 2.99 5.16 15.91 7.91
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.49 1.43 1.49 1.38 1.20 0.96 0.94 0.93 0.91 0.85 0.77
Long-Term Debt to Equity		 1.49 1.43 1.49 1.38 1.20 0.96 0.94 0.93 0.91 0.85 0.77
Financial Leverage		 1.05 1.27 1.30 1.35 1.35 1.20 1.21 1.15 1.05 0.90 0.85
Leverage Ratio		 7.46 7.94 8.25 8.32 8.33 8.46 8.69 8.56 8.33 8.25 8.16
Compound Leverage Factor		 7.46 7.94 8.25 8.32 8.33 8.46 8.69 8.56 8.33 8.25 8.16
Debt to Total Capital		 59.85% 58.89% 59.79% 57.90% 54.52% 48.91% 48.44% 48.22% 47.67% 45.93% 43.39%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 59.85% 58.89% 59.79% 57.90% 54.52% 48.91% 48.44% 48.22% 47.67% 45.93% 43.39%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 40.15% 41.11% 40.21% 42.10% 45.48% 51.09% 51.56% 51.78% 52.33% 54.07% 56.61%
Debt to EBITDA		 372.67 -136.83 -29.82 -29.92 -28.36 -43.95 16.59 14.43 14.07 11.99 10.28
Net Debt to EBITDA		 271.76 -91.70 -10.53 -13.10 -18.96 -23.67 9.53 6.04 10.18 8.85 6.19
Long-Term Debt to EBITDA		 372.67 -136.83 -29.82 -29.92 -28.36 -43.95 16.59 14.43 14.07 11.99 10.28
Debt to NOPAT		 -3,149.92 -117.24 -36.12 -36.08 -32.36 -40.01 24.50 20.92 19.37 16.07 13.70
Net Debt to NOPAT		 -2,296.98 -78.58 -12.75 -15.79 -21.63 -21.55 14.06 8.77 14.02 11.86 8.25
Long-Term Debt to NOPAT		 -3,149.92 -117.24 -36.12 -36.08 -32.36 -40.01 24.50 20.92 19.37 16.07 13.70
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -42 -12 -13 3.67 17 29 26 22 14 3.40 7.35
Operating Cash Flow to CapEx		 141.99% -54.96% 65.01% 207.18% 7,418.18% 888.89% -5,475.00% 544.32% 4,079.49% 212.68% 90.03%
Free Cash Flow to Firm to Interest Expense		 -19.48 -5.25 -5.13 1.47 6.93 11.84 11.42 9.37 6.24 1.49 3.44
Operating Cash Flow to Interest Expense		 0.69 -0.29 0.26 0.16 0.33 0.03 -0.66 0.44 0.70 0.13 0.75
Operating Cash Flow Less CapEx to Interest Expense		 0.20 -0.81 -0.14 0.08 0.32 0.03 -0.68 0.36 0.68 0.07 -0.08
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.02 0.02 0.02 0.02 0.03 0.03 0.04 0.04 0.04
Fixed Asset Turnover		 1.34 1.28 0.99 0.93 0.92 0.92 1.30 1.31 1.38 1.43 1.36
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 133 131 128 123 116 102 102 102 102 99 96
Invested Capital Turnover		 0.10 0.09 0.08 0.08 0.08 0.09 0.13 0.14 0.15 0.16 0.17
Increase / (Decrease) in Invested Capital		 42 12 10 -3.32 -17 -29 -26 -21 -14 -2.56 -6.51
Enterprise Value (EV)		 100 96 73 77 88 74 77 69 83 86 76
Market Capitalization		 42 45 46 46 46 47 48 49 48 52 51
Book Value per Share		 $16.18 $16.73 $16.15 $16.24 $16.70 $16.72 $17.23 $17.38 $18.05 $18.44 $18.80
Tangible Book Value per Share		 $16.09 $16.65 $16.07 $16.18 $16.65 $16.68 $17.20 $17.35 $18.03 $18.44 $18.80
Total Capital		 133 131 128 123 116 102 102 102 102 99 96
Total Debt		 79 77 77 71 63 50 50 49 49 46 42
Total Long-Term Debt		 79 77 77 71 63 50 50 49 49 46 42
Net Debt		 58 52 27 31 42 27 28 21 35 34 25
Capital Expenditures (CapEx)		 1.04 1.24 0.99 0.20 0.01 0.01 0.03 0.19 0.04 0.14 1.79
Net Nonoperating Expense (NNE)		 0.00 0.05 0.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 79 77 77 71 63 50 50 49 49 46 42
Total Depreciation and Amortization (D&A)		 0.06 0.09 0.15 0.14 0.18 0.18 0.13 0.14 0.07 0.10 0.16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.15 ($0.11) ($0.90) $0.12 $0.18 $0.15 $0.22 $0.24 $0.25 $0.33 $0.32
Adjusted Weighted Average Basic Shares Outstanding		 3.06M 3.06M 2.97M 2.96M 2.94M 2.92M 2.86M 2.83M 2.77M 2.73M 2.65M
Adjusted Diluted Earnings per Share		 $0.15 ($0.11) ($0.89) $0.12 $0.17 $0.16 $0.22 $0.23 $0.24 $0.31 $0.31
Adjusted Weighted Average Diluted Shares Outstanding		 3.06M 3.06M 3.01M 3.01M 3.01M 2.99M 2.97M 2.92M 2.87M 2.86M 2.74M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.21M 3.19M 3.19M 3.16M 3.12M 3.06M 3.04M 2.97M 2.91M 2.89M 2.89M
Normalized Net Operating Profit after Tax (NOPAT)		 0.46 -0.28 -2.38 0.35 0.52 0.52 0.64 0.68 0.68 0.84 0.84
Normalized NOPAT Margin		 13.27% -8.21% 0.00% 9.73% 13.76% 13.17% 16.97% 18.07% 15.44% 18.92% 20.25%
Pre Tax Income Margin		 16.68% -11.73% 0.00% 11.13% 16.11% 15.56% 19.76% 21.90% 17.39% 23.10% 23.13%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.27 -0.17 -1.38 0.16 0.24 0.25 0.32 0.36 0.33 0.45 0.45
NOPAT to Interest Expense		 0.21 -0.12 -0.97 0.14 0.21 0.21 0.28 0.29 0.30 0.37 0.39
EBIT Less CapEx to Interest Expense		 -0.22 -0.69 -1.78 0.08 0.24 0.24 0.31 0.28 0.32 0.39 -0.39
NOPAT Less CapEx to Interest Expense		 -0.27 -0.64 -1.37 0.06 0.20 0.21 0.27 0.21 0.28 0.31 -0.44
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 3,785.71% -50.20% -17.87% -20.56% -22.42% -38.62% 24.67% 20.87% 19.22% 20.87% 20.20%
Augmented Payout Ratio		 26,300.00% -350.20% -115.87% -118.75% -97.86% -159.54% 119.53% 120.10% 135.31% 132.16% 108.11%

Financials Breakdown Chart

Key Financial Trends

Texas Community Bancshares (NASDAQ: TCBS) showed a much stronger start to 2026 than it did in late 2025, with improved profitability, solid operating cash flow, and a cleaner balance sheet profile than some of the more volatile periods in the prior year.

For Q1 2026, TCBS reported net income of $836,000, up slightly from $841,000 in Q4 2025 and well above $680,000 in Q3 2025. Earnings per share came in at $0.31 diluted and $0.32 basic, versus $0.31 diluted and $0.33 basic in the prior quarter. The quarter was helped by a stronger mix of noninterest income and better operating cash generation.

Net interest income improved to $3.43 million in Q1 2026 from $3.54 million in Q4 2025, but profitability still held up because noninterest expense declined meaningfully. Total noninterest expense fell to $3.17 million from $3.15 million last quarter, while the provision for credit losses dropped sharply to just $6,000 from $273,000. That’s a favorable sign for near-term credit quality.

The balance sheet also showed some stabilization. Total assets were $430.4 million at March 31, 2026, down from $439.5 million at the end of Q3 2025 and $444.1 million at Q2 2025. Deposits were lower than the prior quarter, with non-interest-bearing deposits of $48.7 million and interest-bearing deposits of $283.3 million, compared with $49.2 million and $285.0 million in Q3 2025. Long-term debt also eased to $41.6 million from $48.8 million.

From a cash flow perspective, TCBS generated $1.61 million in operating cash in Q1 2026, a solid rebound from $302,000 in Q4 2025. The company also ended the quarter with only a $4,000 increase in cash and equivalents, suggesting management is keeping liquidity fairly tight while managing deposits and debt.

  • Operating cash flow improved sharply to $1.61 million in Q1 2026 from $302,000 in Q4 2025.
  • Provision for credit losses fell dramatically to $6,000, easing pressure on earnings.
  • Net income remained stable at $836,000, showing the quarter was resilient despite a slightly lower net interest margin environment.
  • Long-term debt declined to $41.6 million from $48.8 million, reducing leverage.
  • Noninterest income held up well at $698,000, supported by deposit service charges and other fees.
  • Total assets declined modestly to $430.4 million, reflecting a smaller balance sheet than in 2025.
  • Deposits were mixed, with both noninterest-bearing and interest-bearing balances slightly lower than the prior quarter.
  • Loans held for sale fell to $297.5 million from $283.7 million, indicating some balance-sheet repositioning.
  • Net interest income slipped from $3.54 million in Q4 2025 to $3.43 million in Q1 2026.
  • Book value remains constrained by relatively high accumulated losses and treasury stock balances within equity.

Looking at the longer trend, TCBS has been more profitable in 2025 and 2026 than it was in early 2024, when it posted a quarterly loss. The company’s earnings recovered through 2024 and stayed positive through 2025 and into 2026, which is encouraging. However, the business still appears sensitive to funding costs, deposit swings, and noninterest income volatility.

Bottom line: TCBS looks steadier than it did a year ago, with better earnings consistency and stronger cash generation in the latest quarter. Still, investors should watch deposit trends and net interest income closely, because the bank’s profitability remains dependent on careful balance-sheet management.

07/17/26 01:08 PM ETAI Generated. May Contain Errors.

Texas Community Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Texas Community Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Texas Community Bancshares' net income appears to be on an upward trend, with a most recent value of $2.84 million in 2025, rising from $749 thousand in 2020. The previous period was -$1.31 million in 2024. See where experts think Texas Community Bancshares is headed by visiting Texas Community Bancshares' forecast page.

Over the last 5 years, Texas Community Bancshares' total revenue changed from $9.85 million in 2020 to $16.39 million in 2025, a change of 66.4%.

Texas Community Bancshares' total liabilities were at $376.09 million at the end of 2025, a 3.9% decrease from 2024, and a 40.5% increase since 2020.

In the past 5 years, Texas Community Bancshares' cash and equivalents has ranged from $3.88 million in 2025 to $6.90 million in 2022, and is currently $3.88 million as of their latest financial filing in 2025.

Over the last 5 years, Texas Community Bancshares' book value per share changed from 9.96 in 2020 to 18.44 in 2025, a change of 85.2%.


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Financial statements for NASDAQ:TCBS last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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