Texas Community Bancshares, Inc.

TCBS

Texas Community Bancshares, Inc.

TCBS

Insider Sentiment (TTM):

Last Purchase:2026-06-10Last Sale:2026-06-10Shares Purchased (TTM):20,000Shares Sold (TTM):3,865

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:414,647Shares Outstanding:2,645,472Institutional Ownership Pct.:15.67%

Earnings Market Reaction:

Filing Date:2026-08-11Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	3	3	4	5	5	9	4	5	7	6	5	5
Federal Funds Sold	4	3	3	7	6	3	9	13	26	15	8	7
Cash And Cash Equivalents At Carrying Value	7	6	6	12	11	12	13	18	32	21	13	12
Interest Bearing Deposits In Banks	8	10	6	1	17	9	10	3	8	29	12	9
Debt Securities Available For Sale Excluding Accru…	59	60	60	86	73	75	75	81	90	93	93	92
Debt Securities Held To Maturity Excluding Accrued…	17	18	18	-	-	-	22	-	-	-	-	-
Debt Securities Held To Maturity Excluding Accrued…	-	18	18	19	20	21	22	23	24	25	26	27
Loans Held For Sale Fair Value Disclosure	-	-	-	-	-	-	-	-	-	15	-	-
Direct Financing Lease Net Investment In Lease	-	1	1	1	1	1	1	1	1	1	0	0
Interest Receivable	2	2	2	2	2	2	2	2	2	2	2	1
Property Plant And Equipment Net	14	13	11	11	12	11	12	12	12	12	12	10
Bank Owned Life Insurance	7	7	7	6	6	6	6	6	6	6	6	6
Other Real Estate	9	9	9	9	0	0	0	0	0	1	0	-
Restricted Investments	3	3	3	3	3	3	4	4	4	4	4	4
Finite Lived Intangible Assets Net	-	-	-	0	0	0	0	0	0	0	0	0
Deferred Income Tax Assets Net	2	2	2	2	2	3	3	3	3	3	2	3
Foreclosed Assets	-	-	-	-	-	-	-	-	-	-	0	0
Derivative Assets	-	-	-	-	-	-	0	-	1	1	0	1
Other Assets	3	3	3	2	2	2	2	1	1	1	1	1
Assets	444	430	430	439	444	442	443	446	452	464	452	437
Liabilities And Stockhold…
Liabilities
Noninterest Bearing Deposit Liabilities	51	49	46	49	49	44	41	44	43	46	46	44
Interest Bearing Deposit Liabilities	288	283	282	285	290	294	294	282	282	286	272	256
Deposits	340	332	328	334	339	338	336	326	325	332	317	300
Derivative Liabilities	-	-	-	-	-	-	-	0	-	-	-	-
Accrued Liabilities And Other Liabilities	3	3	3	3	3	2	6	4	4	4	4	4
Liabilities	389	376	376	386	391	389	391	393	400	412	398	383
Members Equity
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	33	33	33	33	33	33	32	32	32	32	32	32
Retained Earnings Accumulated Deficit	34	33	32	32	31	31	30	30	29	29	32	32
Accumulated Other Comprehensive Income Loss Net Of…	-3	-3	-3	-3	-4	-4	-5	-4	-5	-5	-6	-7
Unearned E S O P Shares	-2	-2	-2	-2	-2	-2	-2	-2	-2	-2	-2	-2
Treasury Stock Common Value	-7	-7	-7	-6	-5	-4	-4	-3	-3	-2	-2	-2
Stockholders Equity	55	54	54	54	53	53	52	53	52	51	54	53
Liabilities And Stockholders Equity	444	430	430	439	444	442	443	446	452	464	452	437
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	-	-	-	0	-	-	-	-	-
Held To Maturity Securities Fair Value	15	16	17	17	18	19	20	21	21	22	23	23
Financing Receivable Allowance For Credit Loss Exc…	-	3	3	3	3	3	3	3	3	3	3	3
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	19	19	19	19	19	19	19	19	19	19	19	19
Common Stock Shares Issued	3	3	3	3	3	3	3	3	3	3	3	3
Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.30%	6.33%	6.03%	-	-	-	-	-	-	-	-	-
2025	1.17%	3.07%	1.55%	3.10%	2.99%	2.09%	0.57%	11.18%	4.73%	0.00%	-3.19%	0.65%
2024	2.15%	2.57%	-1.58%	6.35%	10.14%	9.60%	0.40%	2.35%	5.50%	-2.09%	-2.09%	-0.59%
2023	-	-	-	-	-	-	-3.60%	13.11%	20.20%	-2.69%	-4.83%	1.38%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.72	-0.73	-0.35	0.11	0.66	1.24	0.82	0.72	0.70	0.66	0.88	0.99
Per Share Metrics
Diluted EPS TTM	1.21	1.11	1.00	0.88	0.81	0.68	-0.44	-0.72	-0.74	-0.80	-0.24	0.00
Free Cash Flow Per Share TTM	-0.55	0.89	0.36	0.88	0.60	-0.17	0.25	-0.43	-0.55	-1.04	-1.08	-0.28
Dividend Per Share TTM	0.24	0.23	0.22	0.13	0.13	0.17	0.17	0.16	0.15	0.14	0.12	0.09
Margin Metrics
Gross Profit Margin TTM	61.13%	59.83%	59.20%	47.10%	46.53%	46.14%	44.96%	55.59%	55.75%	56.27%	58.30%	62.68%
Operating Profit Margin TTM	17.10%	15.92%	14.96%	13.21%	12.40%	10.42%	-7.93%	-12.61%	-13.18%	-14.95%	-4.94%	-0.21%
Net Profit Margin TTM	14.61%	13.53%	12.64%	11.28%	10.48%	8.92%	-5.81%	-9.74%	-10.34%	-11.86%	-3.86%	0.04%
Growth Metrics
Net Revenue Growth (1Y)	1.41%	-1.06%	0.17%	0.92%	4.99%	11.94%	18.31%	27.60%	37.52%	45.21%	51.03%	49.54%
Net Income Growth (1Y)	41.39%	50.02%	-317.78%	-216.90%	-206.33%	-184.26%	78.04%	-30,871.43%	-2,558.89%	-793.93%	-141.79%	-99.57%
EPS Growth (1Y)	50.87%	62.41%	-332.81%	-223.96%	-211.34%	-187.39%	87.02%	-32,118.02%	-2,699.73%	-821.62%	-141.32%	-99.57%
Valuation Metrics
P/E TTM	14.02	15.21	17.13	17.57	19.03	22.28	-33.43	-19.68	-19.07	-17.57	-57.22	5,445.91
P/B TTM	0.85	0.85	0.91	0.83	0.85	0.85	0.84	0.80	0.82	0.82	0.78	0.72
P/S TTM	2.05	2.06	2.16	1.98	1.99	1.99	1.94	1.92	1.97	2.08	2.21	2.20
Market Cap	46.66M	46.16M	48.69M	44.25M	44.77M	45.07M	43.62M	42.38M	42.20M	42.18M	41.94M	38.12M
Enterprise Value	39.43M	39.70M	42.24M	32.07M	33.47M	33.25M	30.33M	24.63M	9.93M	21.19M	28.88M	25.70M
Calculated Values
Free Cash Flow TTM	-1.47M	2.36M	973.00K	2.45M	1.70M	-476.00K	740.00K	-1.25M	-1.62M	-3.08M	-3.31M	-857.00K
Net Debt	-7.23M	-6.45M	-6.45M	-12.18M	-11.30M	-11.82M	-13.29M	-17.76M	-32.28M	-20.99M	-13.06M	-12.42M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-10Sale

Owner: Sobel, Jason

Title: President and CEO

Shares: 2,100

Price/Share: $17.25

Value: $36,225.00

Shares Owned: 18,190

Relationship: Director,Officer

Ownership: Direct

2026-06-10Purchase

Owner: Scavuzzo, Anthony

Title: -

Shares: 20,000

Price/Share: $17.25

Value: $345,000.00

Shares Owned: 106,065

Relationship: Director

Ownership: Direct

2026-06-10Sale

Owner: Strange, Haskell

Title: SVP and COO

Shares: 1,765

Price/Share: $17.25

Value: $30,446.25

Shares Owned: 4,819

Relationship: Officer

Ownership: Direct

2025-06-02Sale

Owner: Sobel, Jason

Title: President and CEO

Shares: 1,615

Price/Share: $15.58

Value: $25,161.70

Shares Owned: 20,290

Relationship: Director,Officer

Ownership: Direct

2025-05-29Sale

Owner: Mize, Sheree A.

Title: Corporate Secretary

Shares: 1,303

Price/Share: $15.75

Value: $20,522.25

Shares Owned: 13,909

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-10	Sobel, Jason	Director,Officer	President and CEO	Direct	Sale	2,100	17.25	$36,225.00	18,190	4
2026-06-10	Scavuzzo, Anthony	Director	-	Direct	Purchase	20,000	17.25	$345,000.00	106,065	4
2026-06-10	Strange, Haskell	Officer	SVP and COO	Direct	Sale	1,765	17.25	$30,446.25	4,819	4
2025-06-02	Sobel, Jason	Director,Officer	President and CEO	Direct	Sale	1,615	15.58	$25,161.70	20,290	4
2025-05-29	Mize, Sheree A.	Officer	Corporate Secretary	Direct	Sale	1,303	15.75	$20,522.25	13,909	4
2025-05-29	Sharff, Julie	Officer	Chief Financial Officer	Direct	Sale	2,127	15.75	$33,500.25	12,600	4
2025-05-29	Strange, Haskell	Officer	SVP and COO	Direct	Sale	1,289	15.75	$20,301.75	6,584	4
2025-05-07	Sherrill, Johnny	Director	-	Direct	Purchase	600	15.63	$9,378.00	53,857	4
2024-12-17	Scavuzzo, Anthony	Director	-	Direct	Purchase	2,807	15.00	$42,105.00	86,065	4
2024-09-03	Baucum, Terri	Officer	SVP & CLO	Direct	Sale	3,000	14.26	$42,780.00	7,819	4
2024-08-26	Scavuzzo, Anthony	Director	-	Direct	Purchase	15,000	13.99	$209,850.00	83,258	4
2024-08-22	Baucum, Terri	Officer	SVP & CLO	Direct	Sale	1,954	13.75	$26,867.50	10,819	4
2024-08-19	Thurman, Glen	Director	-	Indirect	Purchase	2	13.70	$27.40	2,102	4
2024-08-16	Strange, Haskell	Officer	SVP and COO	Indirect	Purchase	14	13.75	$192.50	6,066	4
2024-06-06	Mize, Sheree A.	Officer	Corporate Secretary	Direct	Sale	1,303	14.22	$18,528.66	15,212	4
2024-06-06	Strange, Haskell	Officer	SVP and COO	Direct	Sale	1,900	14.30	$27,170.00	7,873	4
2024-06-06	Bessonett, Brittany	Officer	SVP and Marketing Officer	Direct	Sale	521	14.30	$7,450.30	2,085	4
2024-06-04	Sobel, Jason	Director,Officer	President and CEO	Direct	Sale	1,550	13.87	$21,498.50	21,905	4
2024-05-31	Sharff, Julie	Officer	Chief Financial Officer	Direct	Sale	910	14.25	$12,967.50	14,727	4
2024-05-31	Scavuzzo, Anthony	Director	-	Direct	Purchase	7,001	14.33	$100,324.33	68,258	4
2024-05-31	Yarbrough, Kraig	Officer	SVP	Direct	Sale	1,303	14.27	$18,593.81	5,212	4
2024-05-16	Strange, Haskell	Officer	SVP and COO	Indirect	Purchase	13	13.83	$179.79	6,052	4
2024-02-28	Sobel, Jason	Director,Officer	President and CEO	Indirect	Purchase	705	13.82	$9,743.10	5,452	4
2023-12-19	Thurman, Glen	Director	-	Indirect	Purchase	1,300	12.65	$16,445.00	2,100	4
2023-12-18	Scavuzzo, Anthony	Director	-	Direct	Purchase	33,000	12.97	$428,010.00	61,257	4
2023-11-13	Sobel, Jason	Officer	Bank President	Indirect	Purchase	4,747	12.70	$60,286.90	4,747	4
2023-11-13	Strange, Haskell	Officer	SVP and COO	Indirect	Purchase	15	12.54	$188.10	6,039	4
2023-09-14	Yarbrough, Kraig	Officer	SVP	Direct	Sale	10,249	12.25	$125,550.25	6,515	4
2023-09-11	Herlocker, James H. Iii	Director,Officer	Chairman, President and CEO	Direct	Purchase	300	12.25	$3,675.00	43,770	4
2023-09-08	Yarbrough, Kraig	Officer	SVP	Direct	Sale	8,000	12.38	$99,040.00	16,764	4
2023-08-18	Herlocker, James H. Iii	Director,Officer	Chairman, President and CEO	Direct	Purchase	500	12.35	$6,175.00	43,470	4
2023-08-17	Yarbrough, Kraig	Officer	SVP	Indirect	Sale	2,000	12.24	$24,480.00	16,697	4
2023-08-16	Herlocker, James H. Iii	Director,Officer	Chairman, President and CEO	Direct	Purchase	500	12.45	$6,225.00	42,970	4
2023-08-15	Yarbrough, Kraig	Officer	SVP	Indirect	Sale	1,302	12.50	$16,275.00	18,698	4
2023-08-15	Herlocker, James H. Iii	Director,Officer	Chairman, President and CEO	Direct	Purchase	500	12.50	$6,250.00	42,470	4
2023-08-14	Strange, Haskell	Officer	SVP and COO	Indirect	Purchase	14	12.52	$175.28	6,024	4
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Institutional Ownership

No data available for chart

2026-03-31

15.67%

Inst. Shares: 414,647

Shares Outstanding: 2,645,472

2025-12-31

12.36%

Inst. Shares: 337,094

Shares Outstanding: 2,727,212

2025-09-30

12.05%

Inst. Shares: 333,577

Shares Outstanding: 2,769,294

2025-06-30

11.73%

Inst. Shares: 331,832

Shares Outstanding: 2,828,769

2025-03-31

10.08%

Inst. Shares: 288,715

Shares Outstanding: 2,863,916

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	414,647	2,645,472	15.67%
2025-12-31	337,094	2,727,212	12.36%
2025-09-30	333,577	2,769,294	12.05%
2025-06-30	331,832	2,828,769	11.73%
2025-03-31	288,715	2,863,916	10.08%
2024-12-31	276,140	2,915,402	9.47%
2024-09-30	263,239	2,936,526	8.96%
2024-06-30	253,188	2,962,136	8.55%
2024-03-31	252,003	2,970,273	8.48%
2023-12-31	246,300	3,062,517	8.04%
2023-09-30	255,366	3,055,489	8.36%
2023-06-30	221,355	3,131,800	7.07%
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Texas Community Bancshares, Inc. (TCBS) — SEC Financial Statements & Analysis

Texas Community Bancshares, Inc. (TCBS) is a savings institutions, not federally chartered company. Texas Community Bancshares, Inc. trades on Nasdaq as: TCBS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Texas Community Bancshares, Inc. reported a 1.41% year-over-year revenue growth, a Gross Profit Margin of 61.13% (TTM), a Price-to-Sales (P/S) ratio of 2.05x (TTM), a Price-to-Book (P/B) ratio of 0.85x (TTM), at a market cap of $46.66M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 1.41%
Gross Profit Margin TTM: 61.13%
P/S TTM: 2.05x
P/B TTM: 0.85x
Market Cap: $46.66M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Texas Community Bancshares, Inc. in?

Texas Community Bancshares, Inc. (TCBS) operates in the Savings Institutions, Not Federally Chartered industry.

What is TCBS's market cap?

Texas Community Bancshares, Inc. (TCBS) has a market capitalization of $46.66M as of 2026-06-30.

What is TCBS's P/E ratio?

Texas Community Bancshares, Inc. (TCBS)'s trailing twelve month P/E ratio is 14.02x as of 2026-06-30.

What exchange does TCBS trade on?

Texas Community Bancshares, Inc. (TCBS) trades on the Nasdaq.