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Texas Community Bancshares, Inc.(TCBS)Earnings, Financials & Key Ratios
TCBS•NASDAQ•Banking & Credit
$17.80
17.8× P/E·Price updated Jun 27, 2026
AboutTexas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.Show more
- Net Interest Income$13M+8.0%
- Total Revenue$26M+22.7%
- Net Income$3M+317.8%
- Return on Equity5.37%+317.6%
- Net Interest Margin3.1%+11.4%
- Efficiency Ratio47.7%-20.8%
- ROA0.65%+323.3%
- Equity / Assets12.51%+6.4%
- Book Value per Share18.83+7.9%
TCBS Price & Volume
Texas Community Bancshares, Inc. (TCBS) stock price & volume — 10-year historical chart
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Strategic Asset Rotation Drives Texas Market Expansion
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Strained
Financial Position:Adequate
Cash Flow:Improving
Primary Risk:Urban CRE concentration risk
"Texas Community Bancshares is executing a deliberate pivot from a securities-heavy balance sheet toward higher-yielding loan originations in the DFW Metroplex to drive long-term earnings growth. While the bank has successfully improved its efficiency ratio to 50.5% as of 2026Q1, investors should monitor the persistent 0.8% net interest margin, which suggests ongoing pressure from rising funding costs. The firm's ability to maintain a 13% equity-to-assets ratio provides a necessary buffer as it navigates the inherent credit risks associated with its concentrated urban commercial real estate portfolio."
Verdict Logic
while the bank shows improved operational leverage with a 50.5% efficiency ratio, the 0.8% net interest margin suggests that competitive pressures in the DFW market may continue to limit profitability upside.
TCBS Growth Metrics
Texas Community Bancshares, Inc. (TCBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.65%
3 Years21.02%
TTM-
Profit CAGR
10 Years-
5 Years30.57%
3 Years17.45%
TTM50.02%
EPS CAGR
10 Years-
5 Years44.27%
3 Years19.91%
TTM54.41%
Return on Capital
10 Years1.07%
5 Years0.79%
3 Years0.33%
Last Year3.21%
Peers Comparison
Key metrics vs top competitors for Texas Community Bancshares, Inc. (TCBS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.80 | $51.36M | 17.80 | 22.72% | 11.11% | 5.37% | 1.17% | |
| $35.08 | $1.04B | 15.32 | -8.12% | 15.77% | 8.49% | — | |
| $35.24 | $5.05B | 19.91 | 11.71% | 31.14% | 14.2% | — | |
| $53.91 | $1.73B | 14.53 | 1.78% | 23.87% | 9.86% | — | |
| $86.18 | $280.46M | 10.40 | 11.78% | 14.94% | 11.03% | — | |
| $49.59 | $2.58B | 14.89 | 10.36% | 19.66% | 9.83% | — |
Compare TCBS vs Peers
Texas Community Bancshares, Inc. (TCBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TCBS SEC Filings & Documents
Texas Community Bancshares, Inc. (TCBS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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TCBS Frequently Asked Questions
Texas Community Bancshares, Inc. (TCBS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Texas Community Bancshares, Inc. growing?
Texas Community Bancshares, Inc. (TCBS) grew revenue by 22.7% over the past year. This is strong growth.
Is TCBS profitable?
Yes, Texas Community Bancshares, Inc. (TCBS) is profitable, generating $3.0M in net income for fiscal year 2025 (11.1% net margin).
Dividend & Returns
Does TCBS pay dividends?
Yes, Texas Community Bancshares, Inc. (TCBS) pays a dividend with a yield of 1.17%. This makes it attractive for income-focused investors.
What is TCBS's return on equity?
Texas Community Bancshares, Inc. (TCBS) has a return on equity (ROE) of 5.4%. This is below average, suggesting room for improvement.
Industry Metrics
What is Texas Community Bancshares, Inc.'s net interest margin?
Texas Community Bancshares, Inc. (TCBS) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Texas Community Bancshares, Inc.'s efficiency ratio?
Texas Community Bancshares, Inc. (TCBS) has an efficiency ratio of 47.7%. This is excellent, indicating strong cost control.