Texas Community Bancshares Inc (TCBS)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$17.01

-0.25 (-1.45%)

Market Cap: $49.58M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Aug 11, 2026Reported Aug 11	$0.35	N/A	-	N/A	Beat	-	-	+52.2%
Mar 31, 2026Mar 26 Reported May 7, 2026Reported May 7	$0.31	N/A	-	N/A	Beat	-	-	+38.9%
Dec 31, 2025Dec 25 Reported Mar 25, 2026Reported Mar 25	$0.29	N/A	-	N/A	Beat	-	-	+71.4%
Sep 30, 2025Sep 25 Reported Nov 7, 2025Reported Nov 7	$0.24	N/A	-	N/A	Beat	-	-	+40.1%
Jun 30, 2025Jun 25 Reported Aug 7, 2025Reported Aug 7	$0.23	N/A	-	N/A	Beat	-	-	+95.7%
Mar 31, 2025Mar 25 Reported May 1, 2025Reported May 1	$0.22	N/A	-	N/A	Beat	-	-	+124.3%
Dec 31, 2024Dec 24 Reported Mar 27, 2025Reported Mar 27	$0.17	N/A	-	N/A	Beat	-	-	+262.5%
Sep 30, 2024Sep 24 Reported Nov 13, 2024Reported Nov 13	$0.17	N/A	-	N/A	Beat	-	-	+14.8%
Jun 30, 2024Jun 24 Reported Aug 13, 2024Reported Aug 13	$0.12	N/A	-	N/A	Beat	-	-	+129.9%
Mar 31, 2024Mar 24 Reported May 13, 2024Reported May 13	$-0.90	N/A	-	N/A	Beat	-	-	-174.5%
Dec 31, 2023Dec 23 Reported Feb 28, 2024Reported Feb 28	$-0.10	N/A	-	N/A	Beat	-	-	-180.5%
Sep 30, 2023Sep 23 Reported Nov 8, 2023Reported Nov 8	$0.15	N/A	-	N/A	Beat	-	-	-17.1%
Jun 30, 2023Jun 23 Reported Aug 10, 2023Reported Aug 10	$0.05	N/A	-	N/A	Beat	-	-	-63.5%
Mar 31, 2023Mar 23 Reported May 15, 2023Reported May 15	$-0.33	N/A	-	N/A	Beat	-	-	-353.3%
Dec 31, 2022Dec 22 Reported Mar 13, 2023Reported Mar 13	$0.13	N/A	-	N/A	Beat	-	-	+30.0%
Sep 30, 2022Sep 22 Reported Nov 14, 2022Reported Nov 14	$0.18	N/A	-	N/A	Beat	-	-	+372.7%
Jun 30, 2022Jun 22 Reported Aug 10, 2022Reported Aug 10	$0.14	N/A	-	N/A	Beat	-	-	+300.0%
Mar 31, 2022Mar 22 Reported Apr 1, 2022Reported Apr 1	$0.13	N/A	-	N/A	Beat	-	-	+125.7%
Dec 31, 2021Dec 21 Reported Mar 23, 2022Reported Mar 23	$0.10	N/A	-	N/A	Beat	-	-	-
Sep 30, 2021Sep 21 Reported Nov 12, 2021Reported Nov 12	$-0.07	N/A	-	N/A	Beat	-	-	-
Jun 30, 2021Jun 21 Reported Aug 13, 2021Reported Aug 13	$-0.07	$0.00	-	N/A	Miss	-	-	-
Mar 31, 2021Mar 21 Reported Jun 28, 2021Reported Jun 28	$0.06	$0.00	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield1.41%

Forward Annual Dividend$0.24

Payout Ratio19.92%

FrequencyQuarterly

Pay MonthsMar, Jun, Sep, Dec

TCBS dividend history and ex-dividend dates Run TCBS in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	14.33	EV/EBITDA	20.05x
Price/FCF	19.44x	FCF Yield	5.14%
Profitability
Profit Margin	20.10%	Operating Margin	26.60%
ROE	6.16%	ROIC	3.27%
Financial Health
Debt/Equity	0.84x	Interest Coverage	0.44x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	-0.03	Avg Volume	2.92K
52-Week High	$19.80	52-Week Low	$15.52

Technical Indicators Dashboard

Moving Averages

SMA 10$17.04

SMA 20$17.06

SMA 50$17.22

SMA 200$17.08

EMA 10$17.06

EMA 20$17.09

EMA 50$17.18

EMA 200$16.99

MACD

Line: -0.05Signal: -0.06Hist: 0.01

ADX

ADX: 29.7+DI: 41.4-DI: 13.2

Aroon & PSAR

Aroon Up4.0

Aroon Down44.0

PSAR$16.99

Bollinger Bands

Upper Band$17.28

Lower Band$16.84

%B Position259%(Upper)

Band Width0.40

RSI (14-Day)

Neutral

45.2

Momentum Oscillators

Stoch %K31.0

Stoch %D25.9

Williams %R-97.1

ROC (10d)-0.3%

Momentum-0.05

CCI (20d)-0.0

MFI (14d)58.0

Volatility Measures

ATR (14d)$0.19(1.1%)

StdDev (20d)0.11

Hist Vol11.9%(Low)

Volume Flow

VWAP$17.09

OBV35.5K

AD Line-84078615674.1B

CMF (20d)-0.163

Volume Metrics

Avg Vol (20d)2.7K

Vol Ratio1.3x

VWMA (20d)$17.09

Pivot Points

R3$17.61

R2$17.43

R1$17.35

Pivot Point$17.17

S1$17.09

S2$16.91

S3$16.83

Advanced Oscillators

TSI-9.27

Ultimate Osc26.9

KST-12.07

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$4.41M	$4.13M	$4.45M	$4.40M	$3.75M	$3.79M	$3.93M	$3.74M	$3.58M	$-599,000	$3.39M	$3.44M
Cost of Revenue	N/A	$2.15M	$2.56M	$2.77M	$2.26M	$2.42M	$2.51M	$2.75M	$2.62M	$2.18M	$2.53M	$2.16M
Gross Profit	N/A	$4.12M	$4.17M	$3.92M	$3.79M	$3.68M	$3.88M	$3.48M	$3.45M	$-39,000	$3.25M	$3.41M

Operating Expenses	$3.16M	$3.17M	$3.15M	$3.15M	$2.97M	$2.93M	$3.27M	$2.88M	$3.05M	$3.07M	$3.65M	$2.83M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$955,000	$1.03M	$766,000	$822,000	$749,000	$611,000	$603,000	$398,000	$-3,393,000	$-398,000	$573,000

Interest Income	$5.82M	$5.57M	$5.82M	$5.56M	$5.47M	$5.63M	$5.65M	$5.70M	$5.68M	$5.42M	$5.32M	$4.98M
Interest Expense	$2.14M	$2.14M	$2.28M	$2.29M	$2.30M	$2.31M	$2.46M	$2.49M	$2.50M	$2.46M	$2.38M	$2.13M
Income Before Tax	$1.15M	$955,000	$1.03M	$766,000	$822,000	$749,000	$611,000	$603,000	$398,000	$-3,393,000	$-398,000	$573,000
Income Tax Expense	$177,000	$119,000	$186,000	$86,000	$144,000	$106,000	$94,000	$88,000	$50,000	$-708,000	$-66,000	$117,000

Net Income	$970,000	$836,000	$841,000	$680,000	$678,000	$643,000	$517,000	$515,000	$348,000	$-2,685,000	$-332,000	$456,000

EBITDA	$1.31M	$1.12M	$1.13M	$838,000	$962,000	$880,000	$786,000	$785,000	$536,000	$-3,242,000	$-307,000	$633,000
EBIT	$1.15M	$955,000	$1.03M	$766,000	$822,000	$749,000	$611,000	$603,000	$398,000	$-3,393,000	$-398,000	$573,000

* Some calculated fields are derived from available data when not provided by source

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News

(TCBS) Price Dynamics and Execution-Aware Positioning

This article analyzes Texas Community Bancshares Inc. (NASDAQ: TCBS) focusing on its price dynamics and execution-aware positioning. Key findings highlight a neutral sentiment across all time horizons...

Stock Traders Daily•Oct 8, 2026 11:13 PM ET10/8/26•Neutral

Texas Community Bancshares Keeps Quarterly Dividend at $0.06 a Share, Payable Sept. 22 to Holders of Record Sept. 8

Texas Community Bancshares announced it will maintain its quarterly dividend at $0.06 per share. The dividend is scheduled to be paid on September 22 to shareholders of record as of September 8. This financial decision...

marketscreener.com•Aug 25, 2026 5:13 PM ET8/25/26•Somewhat-Bullish

A Texas bank holding company declares a $0.06 dividend, payable on or about Sept. 22

Texas Community Bancshares (NASDAQ: TCBS) announced a quarterly cash dividend of $0.06 per share on its common stock. The dividend will be paid on or about September 22, 2026, to shareholders of record as of September 8...

Stock Titan•Aug 25, 2026 5:13 PM ET8/25/26•Somewhat-Bullish

Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend

Texas Community Bancshares, Inc. (NASDAQ: "TCBS") has announced a quarterly cash dividend of $0.06 per share on its common stock. The dividend is payable around September 22, 2026...

PR Newswire•Aug 25, 2026 5:13 PM ET8/25/26•Bullish

Texas Community Bancshares Q2 Earnings Rise Y/Y on Strong Margins

Texas Community Bancshares (TCBS) reported a 43.1% increase in second-quarter net income to $970,000, with earnings per share rising 52.2% to 35 cents. This growth was primarily driven by strong margins...

TradingView•Aug 21, 2026 10:11 AM ET8/21/26•Somewhat-Bullish

TCBS Valuation and Fair Value

P/E: 14.3x
EV/EBITDA: 20.0x
P/FCF: 19.4x
P/B: 0.8x

See GNG's fair value

TCBS Profitability: Margins, ROIC and FCF

Operating margin: 26.6%
Net margin: 20.1%
ROIC: 3.3%
ROE: 6.2%
FCF margin: 13.3%
FCF yield: 5.1%

TCBS Competitors

Company	Ticker
OFS Capital Corp	OFS
Magic Empire Global Limited	MEGL
IB Acquisition Corp. Common Stock	IBAC
Yirendai Ltd	YRD
Pantages Capital Acquisition Corporation	PGAC
Dominari Holdings Inc.	DOMH
LM Funding America Inc	LMFA
YHN Acquisition I Limited Ordinary Shares	YHNA

Sector: Financial Services

TCBS Bull Case vs Bear Case

Bull case

TCBS has a 20.1% net profit margin.
TCBS grew quarterly revenue 13.5% year over year.

TCBS Dividend

Forward yield: 1.4%
Payout ratio: 19.9%
Pay months: Mar, Jun, Sep, Dec

TCBS dividend history

Frequently Asked Questions About TCBS

What is TCBS's current dividend yield?

Texas Community Bancshares Inc (TCBS) has a forward dividend yield of 1.41%.

Does TCBS pay dividends?

Yes, Texas Community Bancshares Inc pays dividends with a forward dividend yield of 1.41%.

What is TCBS's P/E ratio?

Texas Community Bancshares Inc has a price-to-earnings (P/E) ratio of 14.33.

What is TCBS's market cap?

Texas Community Bancshares Inc (TCBS) has a market capitalization of $49.58M with a current stock price of $17.01.

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