Texas Community Bancshares, Inc. (TCBS) Earnings History
Elite Compounder7 years of earnings data (2019–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Texas Community Bancshares, Inc. (TCBS) Earnings Overview
As of June 29, 2026, Texas Community Bancshares, Inc. (TCBS) reported trailing twelve-month net income of $3M, reflecting +327.3% year-over-year growth. The company earned $1.05 per diluted share over the past four quarters, with a net profit margin of 11.1%.
Looking at the long-term picture, TCBS's 5-year EPS compound annual growth rate (CAGR) stands at +44.3%, indicating exceptional earnings growth. The company achieved its highest annual net income of $3M in fiscal 2025, representing a new all-time high.
Texas Community Bancshares, Inc. maintains positive profitability with a gross margin of 60.9%, operating margin of 13.2%, and net margin of 11.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including SBSI ($71M net income, 16.5% margin), FFIN ($264M net income, 30.7% margin), TCBK ($129M net income, 22.8% margin), TCBS has room to improve margins relative to the peer group. Compare TCBS vs SBSI →
TCBS Earnings vs Peers
Earnings metrics vs comparable public companies
TCBS Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $3M | +317.8% | $3M | $1.00 | 11.1% | 13.2% |
| 2024 | -$1M | -78.0% | -$2M | $-0.44 | -6.3% | -8.5% |
| 2023 | $-733,000 | -141.8% | $-937,000 | $-0.24 | -3.8% | -4.8% |
| 2022 | $2M | +238.6% | $2M | $0.58 | 12.2% | 15.1% |
| 2021 | $518,000 | -30.8% | $611,000 | $0.17 | 4.2% | 5.0% |
| 2020 | $749,000 | -29.1% | $941,866 | $0.16 | 6.1% | 7.6% |
| 2019 | $1M | - | $1M | $0.22 | 9.1% | 11.1% |
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TCBS — Frequently Asked Questions
Quick answers to the most common questions about buying TCBS stock.
What is TCBS earnings per share (EPS)?
TCBS trailing twelve-month (TTM) diluted EPS is $1.05, reflecting +327.3% year-over-year growth. The 5-year EPS CAGR is +44.3%. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is Texas Community Bancshares, Inc.'s net income?
Texas Community Bancshares, Inc. (TCBS) trailing twelve-month net income is $3M as of 2025. Earnings grew +327.3% year-over-year.
Is TCBS profitable?
Yes, TCBS is profitable with a TTM net income of $3M and a net profit margin of +11.1%.
What is TCBS's earnings growth rate?
TCBS compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: +19.9%, 5-Year: +44.3%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are TCBS's profit margins?
Texas Community Bancshares, Inc. net profit margin is +11.1%, operating margin is +13.2%, and gross margin is +60.9%. Margins are within a typical range for the sector. Return on Equity is +5.4%.
Is TCBS growing earnings?
Yes, TCBS earnings are accelerating — EPS growth of +327.3% exceeds the 5-year CAGR of +44.3%. TTM net income reached $3M. Earnings momentum is strengthening.
What was TCBS's best earnings year?
Texas Community Bancshares, Inc.'s highest annual net income on record is $3M, achieved in fiscal year 2025. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were TCBS's earnings last quarter?
TCBS's most recent reported quarter was Q1 2026. Net income was $836000.00 with diluted EPS of $0.29. For a full breakdown of all quarters, see the quarterly earnings table on this page.