Texas Community Bancshares, Inc. (TCBS) 10-Year Financial Performance & Capital Metrics

TCBS • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

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 $12M +13.1%
Total Revenue $21M +7.8%
Net Income -$1M -78.0%
Return on Equity -2.47% -84.4%
Net Interest Margin 2.78% +15.2%
Efficiency Ratio 60.27% -2.9%
ROA -0.29% -72.9%
Equity / Assets 11.75% -1.1%
Book Value per Share 17.45 -0.5%
Tangible BV/Share 17.41 -0.2%
Debt/Equity 0.96 -33.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Well capitalized: 11.8% equity/assets
✓Share count reduced 2.5% through buybacks
✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y12.33%

3Y19.37%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM216.9%

EPS CAGR

10Y-

5Y-

3Y-

TTM221.13%

ROCE

10Y Avg0.72%

5Y Avg0.44%

3Y Avg-0.03%

Latest-1.47%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	7.32M	8.26M	8.4M	10.24M	10.9M	12.33M
NII Growth %	-	0.13%	0.02%	0.22%	0.06%	0.13%
Net Interest Margin %	-	-	-	-	-	-
Interest Income	9.97M	10.76M	10.51M	12.53M	18.82M	22.23M
Interest Expense	2.64M	2.51M	2.12M	2.28M	7.91M	9.9M
Loan Loss Provision	159.69K	484.39K	50K	208K	356K	158K
Non-Interest Income+	1.68M	1.6M	1.74M	1.9M	512K	-1.4M
Non-Interest Income %	-	-	-	-	-	-
Total Revenue+	11.65M	12.36M	12.25M	14.43M	19.33M	20.84M
Revenue Growth %	-	0.06%	-0.01%	0.18%	0.34%	0.08%
Non-Interest Expense	7.56M	8.42M	9.47M	9.76M	12M	12.56M
Efficiency Ratio	-	-	-	-	-	-
Operating Income+	1.29M	941.87K	611K	2.18M	-937K	-1.78M
Operating Margin %	-	-	-	-	-	-
Operating Income Growth %	-	-0.27%	-0.35%	2.56%	-1.43%	-0.9%
Pretax Income+	1.29M	941.87K	611K	2.18M	-937K	-1.78M
Pretax Margin %	-	-	-	-	-	-
Income Tax+	230.42K	192.97K	93K	423K	-204K	-476K
Effective Tax Rate %	-	-	-	-	-	-
Net Income+	1.06M	749K	518K	1.75M	-733K	-1.3M
Net Margin %	-	-	-	-	-	-
Net Income Growth %	-	-0.29%	-0.31%	2.39%	-1.42%	-0.78%
Net Income (Continuing)	1.06M	749K	518K	1.75M	-733K	-1.3M
EPS (Diluted)+	0.22	0.16	0.17	0.58	-0.24	-0.44
EPS Growth %	-	-0.27%	0.06%	2.41%	-1.41%	-0.83%
EPS (Basic)	0.22	0.16	0.17	0.58	-0.24	-0.45
Diluted Shares Outstanding	4.76M	4.76M	3M	3.03M	3.06M	2.99M

Balance Sheet

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	22.89M	19.98M	20.61M	8.95M	17.71M	13.73M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	227.1M	260.53M	310.64M	386.25M	399.36M	390.12M
Investments Growth %	-	0.15%	0.19%	0.24%	0.03%	-0.02%
Long-Term Investments	216.38M	247.57M	253.84M	279.1M	306.03M	314.93M
Accounts Receivables	832.82K	963K	931K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0
Intangible Assets	810K	673K	537K	397K	265K	132K
PP&E (Net)	6.08M	6.38M	6.21M	6.3M	11.61M	11.53M
Other Assets	9.64M	10.82M	25.14M	11.75M	18.91M	22.05M
Total Current Assets	34.49M	33.94M	78.44M	117.5M	112.8M	92.14M
Total Non-Current Assets	233.07M	265.69M	286.38M	299.85M	339.24M	351.32M
Total Assets+	267.56M	299.64M	364.83M	417.35M	452.04M	443.46M
Asset Growth %	-	0.12%	0.22%	0.14%	0.08%	-0.02%
Return on Assets (ROA)	0%	0%	0%	0%	-0%	-0%
Accounts Payable	0	0	0	0	0	0
Total Debt+	31.14M	30.77M	27.57M	62.49M	76.9M	49.88M
Net Debt	8.25M	10.79M	6.96M	53.54M	59.19M	36.14M
Long-Term Debt	31.14M	30.77M	27.57M	62.49M	76.9M	49.88M
Short-Term Debt	0	0	0	0	0	0
Other Liabilities	0	0	0	0	4.22M	5.64M
Total Current Liabilities	205.36M	236.93M	277.12M	298.98M	317.24M	335.83M
Total Non-Current Liabilities	31.14M	30.77M	27.57M	62.49M	81.11M	55.52M
Total Liabilities	236.51M	267.7M	304.69M	361.48M	398.36M	391.35M
Total Equity+	31.05M	31.94M	60.13M	55.87M	53.69M	52.11M
Equity Growth %	-	0.03%	0.88%	-0.07%	-0.04%	-0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-
Return on Equity (ROE)	0.03%	0.02%	0.01%	0.03%	-0.01%	-0.02%
Book Value per Share	6.52	6.71	20.03	18.45	17.53	17.45
Tangible BV per Share	-	-	-	-	-	-
Common Stock	0	0	33K	33K	34K	34K
Additional Paid-in Capital	0	0	30.93M	31.1M	31.67M	32.49M
Retained Earnings	31.06M	31.81M	32.33M	34.08M	31.97M	30.16M
Accumulated OCI	-8.1K	128K	-686K	-7M	-5.59M	-4.77M
Treasury Stock	0	0	0	0	-2.2M	-3.78M
Preferred Stock	0	0	0	0	0	0

Cash Flow

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.1M	1.91M	1.76M	3.13M	2.29M	1.94M
Operating CF Growth %	-	-0.09%	-0.08%	0.78%	-0.27%	-0.15%
Net Income	1.06M	749K	518K	1.75M	-733K	-1.3M
Depreciation & Amortization	424.3K	430.49K	437K	431K	422K	572K
Deferred Taxes	143.36K	-130K	-188K	25K	-232K	-476K
Other Non-Cash Items	186.91K	749.96K	382K	477K	1.85M	3.87M
Working Capital Changes	285.89K	111.56K	406K	145K	256K	-1.7M
Cash from Investing+	-21.4M	-29.91M	-52.8M	-72.18M	-31.15M	8.8M
Purchase of Investments	-16.65M	-32.4M	-93.23M	-75.29M	-12.4M	-19.39M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0
Other Investing	-24.9M	-31.49M	-8M	-18.89M	-41.16M	-12.92M
Cash from Financing+	14.17M	30.54M	64.88M	56.07M	33M	-10.51M
Dividends Paid	0	0	0	0	-368K	-504K
Share Repurchases	0	0	0	0	-2.2M	-1.58M
Stock Issued	0	0	30.89M	0	0	0
Net Stock Activity	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-374K	-1000K	1000K	1000K	-1000K
Other Financing	6.56M	30.92M	39.79M	21.14M	21.16M	18.59M
Net Change in Cash+	-5.14M	2.54M	13.84M	-12.99M	4.13M	230K
Exchange Rate Effect	0	0	0	0	0	0
Cash at Beginning	10.67M	5.53M	8.07M	21.91M	8.93M	13.06M
Cash at End	5.53M	8.07M	21.91M	8.93M	13.06M	13.29M
Interest Paid	0	0	2.17M	2.08M	7.73M	9.92M
Income Taxes Paid	0	0	320K	350K	120K	21K
Free Cash Flow+	2.02M	1.1M	1.62M	2.74M	-3.31M	740K
FCF Growth %	-	-0.45%	0.47%	0.69%	-2.21%	1.22%

Banking Ratios

Metric	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	3.4%	2.38%	1.13%	3.02%	-1.34%	-2.47%
Return on Assets (ROA)	0.4%	0.26%	0.16%	0.45%	-0.17%	-0.29%
Net Interest Margin	2.74%	2.75%	2.3%	2.45%	2.41%	2.78%
Efficiency Ratio	64.9%	68.16%	77.33%	67.65%	62.07%	60.27%
Equity / Assets	11.61%	10.66%	16.48%	13.39%	11.88%	11.75%
Book Value / Share	6.52	6.71	20.03	18.45	17.53	17.45
NII Growth	-	12.72%	1.71%	22.02%	6.44%	13.06%

Frequently Asked Questions

Growth & Financials

Texas Community Bancshares, Inc. (TCBS) grew revenue by 7.8% over the past year. This is steady growth.

Yes, Texas Community Bancshares, Inc. (TCBS) is profitable, generating $2.5M in net income for fiscal year 2024 (-6.3% net margin).

Dividend & Returns

Yes, Texas Community Bancshares, Inc. (TCBS) pays a dividend with a yield of 1.00%. This makes it attractive for income-focused investors.

Texas Community Bancshares, Inc. (TCBS) has a return on equity (ROE) of -2.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Texas Community Bancshares, Inc. (TCBS) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

Texas Community Bancshares, Inc. (TCBS) has an efficiency ratio of 60.3%. This is reasonable for a bank.

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