TCBSNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Texas Community Bancshares, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 11, 2026
$16.95−0.05 (-0.29%)
Close on Oct 19, 2026
- Market cap
- $46.49M
- P/E (TTM)
- 14.0
- Dividend yield
- 1.18%
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
17.3%+9.7 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +54.0% | +10.5% | +10.7% | – | |
| Net income | – | +17.5% | +30.6% | – | |
| EPS, diluted | – | +19.9% | – | – | |
| Free cash flow | +31.5% | -29.2% | -2.5% | – | |
| Dividend per share | +25.0% | – | – | – |
Returns and balance sheet
7 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 5.4% | |
| Return on assets | – | – | 0.7% | |
| Capex to revenue | – | 8.2% | 2.4% | |
| Diluted shares | – | – | 3M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Texas Community Bancshares generated $10.48M from operations and spent $16.13M on capital expenditure, dividends and share buybacks. 48% of that went back into the business.
Generated
$10.48M
Used
$16.13M
Capital expenditure$7.73M48%Dividends$1.47M9%Share buybacks$6.94M43%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin17.3%
×Asset turnover0.04×
×Equity multiplier8.25×
=Return on equity, FY20255.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 17.3% | 0.04× | 8.25× | 5.4% |
| FY2024 | -12.3% | 0.02× | 8.46× | -2.5% |
| FY2023 | -6.4% | 0.03× | 7.94× | -1.3% |
| FY2022 | 14.4% | 0.03× | 6.74× | 3.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$2.84M
- Cash generatingOperating cash flow above zero$1.37M
- Return on assets improvedROA up on the prior year-0.3% → 0.6%
- Earnings backed by cashOperating cash flow above net income$1.37M vs $2.84M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise3M → 3M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.04