Texas Community Bancshares, Inc.
General ticker "TCBS" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $48.4M (TTM average)
Texas Community Bancshares, Inc. follows the US Stock Market performance with the rate: 17.7%.
Estimated limits based on current volatility of 0.6%: low 16.95$, high 17.17$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-09-08, amount 0.06$ (Y1.41%)
- Total employees count: 61 (-10.3%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Loan delinquencies, Financing access, Real estate values, Market competition
- Price in estimated range
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [15.56$, 20.35$]
- 2026-12-31 to 2027-12-31 estimated range: [16.05$, 21.15$]
Financial Metrics affecting the TCBS estimates:
- Positive: with PPE of 17.6 at the end of fiscal year the price was neutral
- Positive: 11.29 < Operating profit margin, % of 13.16
- Positive: 2.37 < Operating cash flow per share per price, % of 2.85
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.66
- Negative: Interest expense per share per price, % of 19.15 > 10.35
- Positive: 7.04 < Shareholder equity ratio, % of 12.51 <= 12.78
Short-term TCBS quotes
Long-term TCBS plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $19.33MM | $20.84MM | $25.57MM |
| Operating Expenses | $20.27MM | $22.62MM | $22.21MM |
| Operating Income | $-0.94MM | $-1.78MM | $3.36MM |
| Interest Expense | $7.91MM | $9.90MM | $9.18MM |
| Income(Loss) | $-0.94MM | $-1.78MM | $3.36MM |
| Taxes | $-0.20MM | $-0.48MM | $0.52MM |
| Net Income(Loss)* | $-0.73MM | $-1.30MM | $2.84MM |
| Stockholders Equity | $53.69MM | $52.11MM | $53.76MM |
| Assets | $452.04MM | $443.46MM | $429.84MM |
| Operating Cash Flow | $2.29MM | $1.94MM | $1.37MM |
| Capital expenditure | $5.60MM | $1.20MM | $0.39MM |
| Investing Cash Flow | $-31.15MM | $8.80MM | $7.68MM |
| Financing Cash Flow | $33.00MM | $-10.51MM | $-15.89MM |
| Earnings Per Share** | $-0.24 | $-0.45 | $1.04 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.