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Texas community bancshares, inc.TCBS.US Overview

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TCBS Recent Performance

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Texas community bancshares, inc.

0.23%

Avg of Sector

-0.49%

S&P500

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TCBS Key Information

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TCBS Profile

Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.

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TCBS FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

TCBS Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.05
PE Ratio (TTM)
16.91
Forward PE
-
PS Ratio (TTM)
3.13
PB Ratio
0.91
Price-to-FCF
18.21
METRIC
VALUE
vs. INDUSTRY
Gross Margin
88.18%
Net Margin
16.72%
Revenue Growth (YoY)
25.30%
Profit Growth (YoY)
10.49%
3-Year Revenue Growth
10.17%
3-Year Profit Growth
10.17%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.05
PE Ratio (TTM)
16.91
Forward PE
-
PS Ratio (TTM)
3.13
PB Ratio
0.91
Price-to-FCF
18.21
Gross Margin
88.18%
Net Margin
16.72%
Revenue Growth (YoY)
25.30%
Profit Growth (YoY)
10.49%
3-Year Revenue Growth
10.17%
3-Year Profit Growth
10.17%
  • When is TCBS's latest earnings report released?

    The most recent financial report for Texas community bancshares, inc. (TCBS) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating TCBS's short-term business performance and financial health. For the latest updates on TCBS's earnings releases, visit this page regularly.

  • Where does TCBS fall in the P/E River chart?

    According to historical valuation range analysis, Texas community bancshares, inc. (TCBS)'s current price-to-earnings (P/E) ratio is 15.11, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of TCBS?

    According to the latest financial report, Texas community bancshares, inc. (TCBS) reported an Operating Profit of 955K with an Operating Margin of 15.24% this period, representing a growth of 27.5% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is TCBS's revenue growth?

    In the latest financial report, Texas community bancshares, inc. (TCBS) announced revenue of 6.27M, with a Year-Over-Year growth rate of 70.47%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does TCBS have?

    At the end of the period, Texas community bancshares, inc. (TCBS) held Total Cash and Cash Equivalents of 11.96M, accounting for 0.03 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does TCBS go with three margins increasing?

    In the latest report, Texas community bancshares, inc. (TCBS) achieved the “three margins increasing” benchmark, with a gross margin of 65.78%%, operating margin of 15.24%%, and net margin of 13.34%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess TCBS's profit trajectory and future growth potential.

  • Is TCBS's EPS continuing to grow?

    According to the past four quarterly reports, Texas community bancshares, inc. (TCBS)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.29. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of TCBS?

    Texas community bancshares, inc. (TCBS)'s Free Cash Flow (FCF) for the period is 160K, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 283.91% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.