Texas Community Bancshares, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $17m, up 14.3% on a year earlier, faster than the 11.3% growth a quarter earlier. The diluted share count is down 6.8% on a year earlier, which lifts each remaining share.
Our model value for Texas Community Bancshares is under review, so past values are not shown until it is resolved.
Source: 10-Q filed August 11, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Texas Community Bancshares, Inc.'s trailing-twelve-month revenue grew 14.3% year on year, with a free-cash-flow margin of 13.3%. Where it stands out: change in share count of -6.8% ranks 10 of 230 regional banks companies we cover. Where it lags: stock pay as % of revenue of 2.9% ranks 185 of 206 regional banks companies we cover.
Current signal Free cash flow diverging from earnings: TTM free cash flow grew 1593.4% while net income grew 41.4%: a 1552pp divergence.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
No model value for Texas Community Bancshares, Inc. at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value Texas Community Bancshares, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.4%: the 10-year Treasury yield (4.9%) plus a beta of 0.55 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$6.4 ~$3.4–$11 | Primary model, counts double |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | ~$1.8 ~$1.6–$2.1 | Left out: out of range vs price (0.10x) |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$17 ~$6.3–$27 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$15 ~$20–$30 | Included |
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | ~$11 ~$13–$17 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | ~$2.3 ~$1.9–$3.0 | Left out: out of range vs price (0.13x) |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Texas Community Bancshares, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
No analyst estimates are published for Texas Community Bancshares, Inc.: too few analysts cover it.
Last 12 months +8.4%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $15m | $17m | +14.3% |
| Net margin | 15.5% | 19.1% | +23.7% |
| P/E multiple | 20.0x | 14.3x | −28.5% |
| Share count | 3m | 3m | +7.3% |
Biggest factor: p/e multiple.
Last 3 years +41.6%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $11m | $17m | +57.5% |
| Net margin | 0.8% | 19.1% | +2247.0% |
| P/E multiple | n/m | 14.3x | −96.6% |
| Share count | 3m | 3m | +11.8% |
Biggest factor: p/e multiple.
| Calendar year | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|
| Return | |||||
| TCBS | −1% | −7% | +9% | +19% | −3% |
| Industry peers (median) | −4% | −2% | +16% | +10% | +24% |
| S&P 500 | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | |||||
| TCBS | 50% | 58% | 67% | 58% | 36% |
| S&P 500 | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | |||||
| TCBS | −21% | −38% | −13% | −10% | −12% |
| S&P 500 | −25% | −10% | −8% | −19% | −9% |
Worst fall since July 16, 2021: 48% from March 29, 2022 to May 2, 2023. Getting back needed a 94% gain, reached on March 20, 2026, 1053 days after the low.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| April 24, 2026 | +0.7% | +0.9% | −1.7% | +0.4% |
| August 1, 2025 | −1.6% | −0.1% | −1.3% | +1.3% |
| May 1, 2025 | +1.2% | +2.2% | +1.9% | +6.2% |
| May 13, 2024 | −1.6% | +0.5% | −3.2% | +0.6% |
| February 23, 2024 | −2.8% | −0.3% | −2.2% | +4.2% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY23 Q3 | $11.2M |
| FY23 Q4 | $11.4M |
| FY24 Q1 | $9.4M |
| FY24 Q2 | $9.8M |
| FY24 Q3 | $10.1M |
| FY24 Q4 | $10.6M |
| FY25 Q1 | $15M |
| FY25 Q2 | $15.2M |
| FY25 Q3 | $15.9M |
| FY25 Q4 | $16.4M |
| FY26 Q1 | $16.7M |
| FY26 Q2 | $17.4M |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY23 Q3 | -3.3% |
| FY23 Q4 | -6.0% |
| FY24 Q1 | -13.1% |
| FY24 Q2 | -11.2% |
| FY24 Q3 | -9.9% |
| FY24 Q4 | -6.7% |
| FY25 Q1 | 60.1% |
| FY25 Q2 | 55.2% |
| FY25 Q3 | 57.0% |
| FY25 Q4 | 54.0% |
| FY26 Q1 | 11.3% |
| FY26 Q2 | 14.3% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY23 Q3 | -7.6% |
| FY23 Q4 | -29.0% |
| FY24 Q1 | -32.8% |
| FY24 Q2 | -16.6% |
| FY24 Q3 | -12.4% |
| FY24 Q4 | 7.0% |
| FY25 Q1 | -3.2% |
| FY25 Q2 | 0.9% |
| FY25 Q3 | 5.6% |
| FY25 Q4 | 5.9% |
| FY26 Q1 | 14.1% |
| FY26 Q2 | 13.3% |
What Texas Community Bancshares earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.
| Interest income | $22.5M | |
|---|---|---|
| Fee and other income | $3.1M | 18.8% of revenue |
| Interest paid | $9.2M | |
| Net interest income | $13.3M | 81.2% of revenue |
| Revenue | $16.4M | |
| Non-interest expense | $12.2M | 74.4% of revenue |
| Credit-loss provisions | $831,000 | 5.1% of revenue |
| Pre-tax profit | $3.4M | 20.5% of revenue |
| Income tax | $522,000 | 3.2% of revenue |
| Net income | $2.8M | 17.3% of revenue |
| Fiscal year | 2020 Dec 2020 | 2021 Dec 2021 | 2022 Dec 2022 | 2023 Dec 2023 | 2024 Dec 2024 | 2025 Dec 2025 | LTM Jun 2026 |
|---|---|---|---|---|---|---|---|
| Income | |||||||
| Revenue | 10 | 10 | 12 | 11 | 11 | 16 | 17 |
| Net income | 1 | 1 | 2 | −1 | −1 | 3 | 3 |
| Diluted EPS | — | $0.17 | $0.58 | −$0.24 | −$0.44 | $1.00 | $1.21 |
| Growth (year on year) | |||||||
| Revenue | — | +2.9% | +19.9% | −6.0% | −6.7% | +54.0% | +14.3% |
| Net income | — | −30.8% | +238.6% | −141.8% | — | — | +41.4% |
| Diluted EPS | — | — | +241.2% | −141.4% | — | — | +51.7% |
| Margins | |||||||
| Net margin | 7.6% | 5.1% | 14.4% | −6.4% | −12.3% | 17.3% | 19.1% |
| Free-cash-flow margin | 11.2% | 16.0% | 22.5% | −29.0% | 7.0% | 5.9% | 13.3% |
| Cash flow | |||||||
| Cash from operations | 2 | 2 | 3 | 2 | 2 | 1 | 5 |
| Capital spending | 1 | 0 | 0 | 6 | 1 | 0 | 3 |
| Free cash flow | 1 | 2 | 3 | −3 | 1 | 1 | 2 |
| Stock-based pay | — | — | 0 | 1 | 1 | 1 | 0 |
| Free cash flow after stock pay | — | — | 3 | −4 | −0 | 0 | 2 |
| Balance sheet | |||||||
| Cash | 8 | 22 | 9 | 13 | 13 | 6 | 7 |
| Total debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net debt (negative = net cash) | −8 | −22 | −9 | −13 | −13 | −6 | −7 |
| Diluted shares | — | 3m | 3m | 3m | 3m | 3m | 3m |
| Returned to shareholders | |||||||
| Dividends | — | — | — | 0 | 1 | 1 | 1 |
| Buybacks | — | — | — | 2 | 2 | 3 | — |
| Total returned | — | — | — | 3 | 2 | 4 | 1 |
| Quarter | 2024 Q3 Sept 2024 | 2024 Q4 Dec 2024 | 2025 Q1 Mar 2025 | 2025 Q2 Jun 2025 | 2025 Q3 Sept 2025 | 2025 Q4 Dec 2025 | 2026 Q1 Mar 2026 | 2026 Q2 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 3,743 | 3,927 | 3,790 | 3,753 | 4,404 | 4,446 | 4,129 | 4,411 |
| Net income | 515 | 517 | 643 | 678 | 680 | 841 | 836 | 970 |
| Diluted EPS | $0.17 | $0.16 | $0.22 | $0.23 | $0.24 | $0.31 | $0.31 | $0.35 |
| Growth (year on year) | ||||||||
| Revenue | +8.9% | +15.8% | — | +4.9% | +17.7% | +13.2% | +8.9% | +17.5% |
| Net income | +12.9% | — | — | +94.8% | +32.0% | +62.7% | +30.0% | +43.1% |
| Diluted EPS | +13.3% | — | — | +91.7% | +41.2% | +93.8% | +40.9% | +52.2% |
| Margins | ||||||||
| Net margin | 13.8% | 13.2% | 17.0% | 18.1% | 15.4% | 18.9% | 20.2% | 22.0% |
| Free-cash-flow margin | 21.5% | 1.8% | −41.2% | 21.9% | 35.2% | 3.6% | −4.3% | 17.8% |
| Cash flow | ||||||||
| Cash from operations | 816 | 80 | −1,533 | 1,007 | 1,591 | 302 | 1,608 | 1,371 |
| Capital spending | 11 | 9 | 28 | 185 | 39 | 142 | 1,786 | 585 |
| Free cash flow | 805 | 71 | −1,561 | 822 | 1,552 | 160 | −178 | 786 |
| Stock-based pay | 177 | 134 | 175 | 130 | 151 | 151 | 37 | 159 |
| Free cash flow after stock pay | 628 | −63 | −1,736 | 692 | 1,401 | 9 | −215 | 627 |
| Last 12 months unless stated | TCBS | BSBK | FDSB | HFBL | CLST | BAFN | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $17m | $18m | $15m | $24m | $11m | $33m | $255m |
| Revenue growth, last 12 months | 14.3% | 24.8% | −8.3% | 18.3% | −1.8% | −64.7% | 12.5% |
| Revenue growth, 3-year average | 16.3% | −6.7% | — | 1.1% | 8.5% | −24.0% | 6.0% |
| Revenue growth, latest quarter | 17.5% | 11.8% | −42.4% | 15.1% | 5.0% | −88.5% | 10.7% |
| Net margin | 19.1% | 14.4% | 11.1% | 25.2% | 18.0% | −182.3% | 28.7% |
| Cash from operations / revenue | 28.0% | 24.2% | 13.2% | 31.2% | 29.5% | 443.1% | 34.3% |
| Free-cash-flow margin | 13.3% | 22.7% | 8.4% | 26.6% | 28.7% | 442.7% | 31.4% |
| Free-cash-flow margin, 3-year average | −0.8% | 3.2% | −5.3% | 18.2% | 37.3% | 434.7% | 29.9% |
| Stock pay / revenue | 2.9% | 5.0% | — | 0.8% | 7.5% | 0.4% | 1.2% |
| Change in share count | −6.8% | −1.7% | — | −0.5% | −3.3% | −0.5% | 0.4% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | 14.3% | 12.5% | 105 of 245 |
| Change in growth rate Growth | +3.0pp | +0.0pp | 64 of 244 |
| Net margin Profitability | 19.1% | 28.7% | 204 of 245 |
| Stock pay as % of revenue Cash generation | 2.9% | 1.3% | 185 of 206 |
| Change in share count Balance sheet | -6.8% | 0.4% | 10 of 230 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Alliancebernstein L.P. | $3.1M | 176K | 42.1% | ▲ 4.5% |
| Vanguard Capital Management LLC | $1M | 58K | 13.9% | ▲ 2.0% |
| Oppenheimer & Close, LLC | $958,936 | 54K | 13.1% | 0.0% |
| Ep Wealth Advisors, LLC | $927,115 | 53K | 12.7% | 0.0% |
| Fourthstone LLC | $370,162 | 21K | 5.1% | 0.0% |
| Geode Capital Management, LLC | $340,561 | 19K | 4.7% | ▲ 9.0% |
| Vanguard Fiduciary Trust Co | $227,322 | 13K | 3.1% | ▲ 0.7% |
| Susquehanna International Group, LLP | $205,779 | 12K | 2.8% | ▲ 1.6% |
| Blackrock, Inc. | $136,418 | 8K | 1.9% | ▲ 33.4% |
| Vanguard Global Advisers, LLC | $23,936 | 1K | 0.3% | 0.0% |
| Jones Financial Companies LLLP | $11,855 | 1K | 0.2% | New |
| Steward Partners Investment Advisory, LLC | $7,035 | 0K | 0.1% | New |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Texas Community Bancshares, Inc.'s complete shareholder register. Values are as reported by the filers .
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Strange Haskell SVP and COO | June 10, 2026 | Sell | 1,765 | $17.25 | $30,446 |
| Sobel Jason President and CEO | June 10, 2026 | Sell | 2,100 | $17.25 | $36,225 |
| Scavuzzo Anthony Director | June 10, 2026 | Buy | 20,000 | $17.25 | $345,000 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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