A Business at a Glance
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Texas Community Bancshares, Inc.
TCBS
$50M
Mkt Cap
$17.75
+1.66%
Texas Community Bancshares, Inc. (TCBS) has a current P/E ratio of 20.9, compared to its historical median P/E of 56.5. The stock is currently considered Cheap based on its historical valuation range.
Texas Community Bancshares, Inc. (TCBS) has a 5-year average return on invested capital (ROIC) of 0.9%. This is below average and may indicate limited pricing power.
Texas Community Bancshares, Inc. (TCBS) has a market capitalization of $51M. It is classified as a small-cap stock.
Yes, Texas Community Bancshares, Inc. (TCBS) pays a dividend with a trailing twelve-month yield of 1.20%. The company also returns capital through share buybacks, with a buyback yield of 6.18%.
Based on historical P/E analysis, Texas Community Bancshares, Inc. (TCBS) appears cheap. The current P/E of 20.9 is 63% below its historical median of 56.5. The estimated fair value CAGR (P/E method) is 6.9%.
Texas Community Bancshares, Inc. (TCBS) operates in the Savings Institutions, Not Federally Chartered industry, within the Financials sector.
Forward Looking Statements This annual report contains forward-looking statements, which can be identified by the use of words such as such “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect,” “will,” “would,” “should,” “could” or “may,” and words of similar meaning. These forward-looking statements include, but are not limited to: ●statements of our goals, intentions and expectations; ●statements regarding our business plans, prospects, growth and operating strategies; ●statements regarding the quality of our loan and investment portfolios; and ●estimates of our risks and future costs and benefits. These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 17M | 26M | 21M | 19M | 14M | 12M |
| Net Income | 3.0M | 2.8M | -1.3M | -733K | 1.8M | 518K |
| EPS | $1.04 | $1.00 | $-0.44 | $-0.24 | $0.58 | $0.17 |
| Free Cash Flow | 2.4M | 973K | 740K | -3.3M | 2.7M | 1.6M |
| ROIC | 0.0% | 4.5% | -1.8% | -0.4% | 1.1% | 1.0% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.08 | 0.30 | 0.10 | 0.62 | 3.45 | 0.05 |
| Dividends/Share | $0.21 | $0.20 | $0.16 | $0.12 | - | - |
| Operating Income | 0 | 3.4M | -1.8M | -937K | 2.2M | 611K |
| Operating Margin | 0.0% | 13.2% | -8.7% | -4.8% | 15.1% | 5.0% |
| ROE | 5.6% | 5.4% | -2.5% | -1.3% | 3.0% | 1.1% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
| Metric | |||||||
|---|---|---|---|---|---|---|---|
| Income Statement | |||||||
| Revenue | 12M | 12M | 14M | 19M | 21M | 26M | 17M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 4.9M | 5.1M | 5.8M | 7.1M | 6.8M | 6.5M | 6.5M |
| EBIT | 942K | 611K | 2.2M | -937K | -1.8M | 3.4M | 0 |
| Op. Margin | 7.6% | 5.0% | 15.1% | -4.8% | -8.7% | 13.2% | 0.0% |
| Net Income | 749K | 518K | 1.8M | -733K | -1.3M | 2.8M | 3.0M |
| Net Margin | 6.1% | 4.2% | 12.2% | -3.8% | -6.4% | 11.1% | 18.1% |
| Non-Recurring | 0 | 0 | 6K | -1K | -287K | 0 | 0 |
| Returns on Capital | |||||||
| ROIC | 2.2% | 1.0% | 1.1% | -0.4% | -1.8% | 4.5% | 0.0% |
| ROE | 2.4% | 1.1% | 3.0% | -1.3% | -2.5% | 5.4% | 5.6% |
| ROA | 0.2% | 0.2% | 0.4% | -0.2% | -0.3% | 0.7% | 0.7% |
| Cash Flow | |||||||
| Op. Cash Flow | 1.9M | 1.8M | 3.1M | 2.3M | 1.9M | 1.4M | 4.5M |
| Free Cash Flow | 1.1M | 1.6M | 2.7M | -3.3M | 740K | 973K | 2.4M |
| Owner Earnings | 1.6M | 1.4M | 2.7M | 1.5M | 745K | 299K | 3.6M |
| CapEx | 806K | 137K | 393K | 5.6M | 1.2M | 394K | 2.2M |
| Maint. CapEx | 298K | 305K | 299K | 290K | 439K | 461K | 461K |
| Growth CapEx | 508K | 0 | 94K | 5.3M | 762K | 0 | 1.7M |
| D&A | 298K | 305K | 299K | 290K | 439K | 461K | 461K |
| CapEx/OCF | N/A | 7.8% | 12.6% | 244.8% | 61.9% | N/A | 47.7% |
| Capital Allocation | |||||||
| Dividends Paid | 0 | 0 | 0 | 368K | 504K | 593K | 613K |
| Dividend Yield | N/A | N/A | N/A | 1.0% | 1.2% | N/A | 1.2% |
| Share Buybacks | 0 | 0 | 0 | 2.2M | 1.6M | 3.2M | 3.2M |
| Buyback Yield | N/A | N/A | N/A | 5.2% | 3.6% | 0.0% | 6.2% |
| Stock-Based Comp | N/A | 76K | 84K | 528K | 757K | 607K | 469K |
| Debt Repayment | 5.4M | 3.2M | 158M | 19M | 32M | 20M | 20M |
| Balance Sheet | |||||||
| Net Debt | -16M | -76M | 76M | 20M | -8.2M | 9.6M | -2.4M |
| Cash & Equiv. | 8.1M | 22M | 8.9M | 13M | 13M | 6.5M | 6.5M |
| Long-Term Debt | 5.0M | 3.2M | 193M | 33M | 5.1M | 16M | 4.1M |
| Debt/Equity | 0.16 | 0.05 | 3.45 | 0.62 | 0.10 | 0.30 | 0.08 |
| Interest Coverage | 1.4 | 1.3 | 2.0 | 0.9 | 0.8 | 0.0 | 0.0 |
| Equity | 32M | 60M | 56M | 54M | 52M | 54M | 54M |
| Total Assets | 300M | 365M | 417M | 452M | 443M | 430M | 430M |
| Total Liabilities | 268M | 305M | 361M | 398M | 391M | 376M | 376M |
| Intangibles | 661K | 529K | 397K | 265K | 132K | N/A | N/A |
| Retained Earnings | 32M | 32M | 34M | 32M | 30M | 32M | 33M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||
| EPS | N/A | 0.17 | 0.58 | -0.24 | -0.44 | 1.00 | 1.04 |
| Owner EPS | N/A | 0.45 | 0.91 | 0.48 | 0.25 | 0.11 | 1.24 |
| Book Value | N/A | 19.73 | 18.47 | 17.58 | 17.57 | 18.92 | 18.80 |
| Cash Flow/Share | N/A | 0.58 | 1.03 | 0.75 | 0.65 | 0.48 | 1.21 |
| Dividends/Share | N/A | N/A | N/A | 0.12 | 0.16 | 0.20 | 0.21 |
| Shares Out. | N/A | 3.0M | 3.0M | 3.1M | 3.0M | 2.8M | 2.9M |
| Valuation | |||||||
| P/E Ratio | N/A | 87.9 | 25.1 | N/A | N/A | N/A | 17.1 |
| P/FCF | N/A | 28.1 | 16.1 | N/A | 59.8 | N/A | 21.7 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | 0.8 | 0.8 | 0.8 | 0.8 | N/A | 0.9 |
| Price/Sales | N/A | 4.5 | 3.9 | 3.4 | 3.9 | N/A | 3.1 |
| FCF Yield | N/A | 3.6% | 6.2% | -7.9% | 1.7% | N/A | 4.6% |
| Market Cap | N/A | 46M | 44M | 42M | 44M | 0 | 51M |
| Avg. Price | N/A | 14.99 | 15.80 | 12.61 | 14.13 | 0.00 | 17.75 |
| Year-End Price | N/A | 14.95 | 14.58 | 13.77 | 14.91 | 0.00 | 17.75 |
Texas Community Bancshares, Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
Texas Community Bancshares, Inc. trades at 20.9x trailing earnings, compared to its 15-year median P/E of 56.5x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 71.3x vs a median of 28.1x. The company's 5-year average ROIC is 0.9%. Total shareholder yield (dividends + buybacks) is 7.4%. At current prices, the estimated annualized return to fair value is -22.5%.
Texas Community Bancshares, Inc. (TCBS) reported annual revenue of $26 million in its most recent fiscal year, based on SEC EDGAR filings.
Texas Community Bancshares, Inc. (TCBS) has a net profit margin of 11.1%. This is a healthy margin.
Texas Community Bancshares, Inc. (TCBS) generated $973 thousand in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Texas Community Bancshares, Inc. (TCBS) has a debt-to-equity ratio of 0.30. This indicates a conservatively financed balance sheet.
Texas Community Bancshares, Inc. (TCBS) reported earnings per share (EPS) of $1.00 in its most recent fiscal year.
Texas Community Bancshares, Inc. (TCBS) has a return on equity (ROE) of 5.4%. This indicates moderate shareholder returns.
The Ledger Terminal provides 6 years of financial data for Texas Community Bancshares, Inc. (TCBS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Texas Community Bancshares, Inc. (TCBS) has a book value per share of $18.92, based on its most recent annual SEC filing.