Texas Community Bancshares, Inc.
- Open
- 17.31
- Day high
- 17.97
- Day low
- 17.31
- Prev close
- 17.31
- Volume
- 259
- Mkt cap
- $51M
- P/E (TTM)
- 14.8
- EPS (TTM)
- $1.20
- P/B
- 0.9
- P/S
- 1.9
- Yield
- 0.62%
- Per share
- $0.11
- ▲Insiders net buying $278K over the last 3 months (1 open-market buy, 2 sales)
- 🏛Institutions reducing (13F)
Texas Community Bancshares, Inc. (TCBS) is a Financial Services company listed on NASDAQ. The stock is up 6% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 2 sales (SEC Form 4).
Texas Community Bancshares, Inc. (TCBS) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
TCBS earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Aug 11, 2026 | — | $0.35 | — | $7M | — |
| May 7, 2026 | — | $0.31 | — | $6M | — |
| Mar 25, 2026 | — | $0.31 | — | $7M | — |
| Nov 7, 2025 | — | $0.24 | — | $7M | — |
| Aug 7, 2025 | — | $0.23 | — | $5M | — |
| May 1, 2025 | — | $0.22 | — | $6M | — |
| Mar 27, 2025 | — | $0.16 | — | $6M | — |
| Feb 28, 2024 | — | $-0.10 | — | $6M | — |
| Aug 10, 2023 | — | $0.05 | — | $5M | — |
| May 15, 2023 | — | $-0.33 | — | $3M | — |
| Mar 13, 2023 | — | $0.13 | — | $4M | — |
| Nov 14, 2022 | — | $0.18 | — | $4M | — |
TCBS insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 11, 2026 | Strange Haskellofficer: SVP and COO | Sell | 1,765 | $17.25 |
| Jun 11, 2026 | Scavuzzo Anthonydirector | Buy | 20,000 | $17.25 |
| Jun 11, 2026 | Sobel Jasondirector, officer: President and CEO | Sell | 2,100 | $17.25 |
| Jun 4, 2025 | Sobel Jasondirector, officer: President and CEO | Sell | 1,615 | $15.58 |
| May 30, 2025 | Sharff Julieofficer: Chief Financial Officer | Sell | 2,127 | $15.75 |
| May 30, 2025 | Mize Sheree A.officer: Corporate Secretary | Sell | 1,303 | $15.75 |
| May 30, 2025 | Strange Haskellofficer: SVP and COO | Sell | 1,289 | $15.75 |
| May 8, 2025 | Sherrill Johnnydirector | Buy | 600 | $15.63 |
| Dec 18, 2024 | Scavuzzo Anthonydirector | Buy | 2,807 | $15.00 |
| Sep 4, 2024 | Baucum Terriofficer: SVP & CLO | Sell | 3,000 | $14.26 |
| Aug 28, 2024 | Scavuzzo Anthonydirector | Buy | 15,000 | $13.99 |
| Aug 26, 2024 | Baucum Terriofficer: SVP & CLO | Sell | 1,954 | $13.75 |
| Aug 20, 2024 | Strange Haskellofficer: SVP and COO | Buy | 14 | $13.75 |
| Aug 20, 2024 | Thurman Glendirector | Buy | 2 | $13.70 |
| Jun 10, 2024 | Bessonett Brittanyofficer: SVP and Marketing Officer | Sell | 521 | $14.30 |
Source: TCBS SEC Form 4 filings, latest Jun 11, 2026. For informational purposes only — not investment advice.
See the full TCBS insider & 13F page →Texas Community Bancshares, Inc. company profile
Overview
Texas Community Bancshares, Inc. (NASDAQ:TCBS) is a regional bank holding company founded in 1934 and headquartered in Mineola, Texas. The company operates as the parent organization for Mineola Community Bank, S.S.B., which provides traditional banking services to consumers and commercial customers in East Texas and the Dallas-Fort Worth metropolitan area. TCBS went public in July 2021, making it a relatively new entrant to the public markets after nearly nine decades as a community-focused financial institution.
Business
Texas Community Bancshares operates in the regional banking industry, serving as a traditional community bank that provides essential financial services to local consumers and businesses. The banking industry acts as a financial intermediary, accepting deposits from customers and using those funds to make loans, while earning profit from the difference between interest paid on deposits and interest earned on loans. The company's core business revolves around deposit-taking and lending activities. On the deposit side, TCBS offers various account types including savings accounts, checking accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). These deposits provide the bank with a stable funding source at relatively low interest costs. On the lending side, the bank originates several types of loans: one-to-four family residential mortgages (home loans for individual families), commercial real estate loans (financing for business properties), construction and land development loans, agricultural loans supporting local farming operations, commercial business loans, and various consumer loans including auto, boat, and personal loans. Beyond traditional banking, TCBS provides ancillary services such as investment securities management, where the bank invests excess funds in government and corporate bonds to generate additional income. The company also offers modern banking conveniences including online banking, mobile banking applications, debit and credit cards, safe deposit boxes, and sweep accounts that automatically move funds between accounts to optimize interest earnings for customers.
Revenue model
Texas Community Bancshares generates revenue primarily through net interest income, which is the fundamental business model for traditional banks. The company pays interest to depositors at relatively low rates (typically 0.5-3% annually) and lends those same funds at higher rates (typically 4-8% annually), capturing the spread as profit. This interest rate differential, known as net interest margin, constitutes the majority of the bank's revenue. The bank's customers fall into two main categories: individual consumers who use the bank for personal banking needs like checking accounts, savings, and home mortgages, and commercial clients including small businesses, agricultural operations, and real estate developers who require business loans, commercial real estate financing, and cash management services. Recent financial data shows annual revenue of approximately $11-12 million, with the bank serving the relatively affluent Dallas-Fort Worth market as well as rural East Texas communities. Several factors significantly impact the bank's profitability margins. Interest rate environment represents the most critical factor - when Federal Reserve rates rise, the bank can charge higher rates on new loans faster than it must increase deposit rates, expanding margins. Conversely, falling rates compress margins. Credit quality directly affects profitability, as loan defaults require setting aside reserves that reduce earnings. Local economic conditions in Texas, particularly in agriculture, energy, and real estate sectors, influence both loan demand and credit quality. Competition from larger banks and fintech companies can pressure both deposit rates (increasing costs) and loan rates (decreasing revenue), while regulatory compliance costs represent a fixed expense burden that disproportionately affects smaller institutions like TCBS.
Competitive moat
Texas Community Bancshares operates with a relatively modest competitive moat typical of small regional banks. The company's primary defensive advantage lies in its local market knowledge and relationship banking approach, where personal relationships with customers and deep understanding of local economic conditions provide some protection against larger, more impersonal competitors. Community banks often serve customers who value face-to-face service and local decision-making, particularly small business owners and agricultural clients who may find it difficult to obtain personalized service from national banks. However, this moat faces significant challenges. Scale disadvantages represent a major vulnerability - larger banks can offer more competitive rates, broader product suites, and superior technology platforms due to their ability to spread fixed costs across larger customer bases. Fintech disruption threatens traditional banking relationships, as digital-first companies offer convenient, low-cost alternatives for many banking services. Regulatory burden disproportionately affects smaller banks, as compliance costs represent a higher percentage of revenue compared to larger institutions. The bank's geographic concentration in Texas, while providing local expertise, also creates concentration risk - economic downturns affecting Texas agriculture, energy, or real estate sectors could disproportionately impact TCBS compared to more geographically diversified competitors. Additionally, the bank's small size limits its ability to diversify loan portfolios or weather significant credit losses, making it more vulnerable to local economic shocks than larger regional or national banks.
Risks & safety
Texas Community Bancshares presents moderate financial risk with some concerning liquidity and profitability trends that warrant careful monitoring. • Cash and liquidity position: The bank maintains $17.9 million in cash and short-term investments as of Q1 2025, representing about 4% of total assets, which is relatively thin for banking operations • Debt and leverage: Debt-to-equity ratio of 0.94 indicates moderate leverage typical for banks, though total liabilities of $389 million against $53 million in equity shows high financial leverage inherent to banking • Profitability concerns: The bank reported net losses in both 2023 (-$733k) and 2024 (-$1.3M), with return on equity of -2.5% in 2024, indicating operational challenges • Cash flow volatility: Operating cash flow has been inconsistent, ranging from negative $1.5M in Q1 2025 to positive $2.3M in 2023, suggesting unstable operational performance • Valuation metrics: Trading at 0.88x book value and 18x earnings (based on recent positive quarters), which appears reasonable for a small regional bank but reflects market skepticism about future profitability • Current ratio concerns: Highly volatile current ratios (ranging from 0.27 to 28.5 across quarters) indicate potential liquidity management issues, though this may reflect normal banking operations and deposit timing
Recent development
Based on available financial data, Texas Community Bancshares appears to be navigating a challenging operational environment with mixed performance results over recent years. The bank experienced significant profitability pressures in 2023 and 2024, reporting net losses in both years after generating positive earnings in 2022. This suggests the institution has been grappling with the impact of rising interest rates, potential credit quality issues, or increased operational expenses. The company's revenue performance has been inconsistent, with annual revenue declining from $12.1 million in 2022 to approximately $11 million in both 2023 and 2024. However, there are some positive signs in recent quarters, with the bank returning to profitability in Q2, Q3, and Q4 of 2024, as well as Q1 2025, suggesting potential stabilization of operations. Balance sheet management appears to be an area of focus, with total assets remaining relatively stable around $440-450 million range, while the bank has been managing its deposit base and loan portfolio composition. The institution's cash position has fluctuated significantly, indicating active liquidity management in response to changing market conditions and regulatory requirements. Without access to detailed earnings call transcripts, it's difficult to identify specific strategic initiatives, but the financial performance suggests the bank is likely focused on margin improvement, credit quality maintenance, and operational efficiency as core priorities during this challenging period for regional banks.
TCBS company profile · for informational purposes only — not investment advice.
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