TCBS · Texas Community Bancshares, Inc.
Texas Community Bancshares Inc (TCBS)
What's happening
- TCBS is up 0.00% today, trading at $17.00. — Live quote
- Volume today (104) is well below its 3-month average of 2,690. (Finnhub fundamentals)
- Reports earnings on 2026-11-05, 14 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $49.7M | $47.2M | $46.4M | $46.9M | $46.7M |
| P/E | 15.70 | 16.64 | 18.45 | 21.49 | -39.61 |
| Price/Book | 0.90 | 0.87 | 0.87 | 0.89 | 0.89 |
| ROE | 5.73% | 5.23% | 4.70% | 4.13% | -2.23% |
| ROA | 0.71% | 0.66% | 0.57% | 0.49% | -0.27% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
Not enough positive evidence under the current rules.
Potential concerns
- Latest SEC filing is Form 10-Q, filed 2026-08-11; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on TCBS
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Net income | $970.0K | $836.0K | $680.0K | $678.0K | $643.0K | $515.0K | $348.0K | -$2.7M |
| EPS (diluted) | $0.35 | $0.31 | $0.24 | $0.23 | $0.22 | $0.17 | $0.12 | $-0.89 |
| EPS (basic) | $0.37 | $0.32 | $0.25 | $0.24 | $0.22 | $0.18 | $0.12 | $-0.90 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $444.3M | $430.4M | $429.8M | $439.5M | $444.1M | $442.2M | $443.5M | $446.0M |
| Total liabilities | $389.1M | $376.2M | $376.1M | $385.9M | $391.2M | $389.5M | $391.3M | $393.3M |
| Stockholders' equity | $55.2M | $54.2M | $53.8M | $53.5M | $52.9M | $52.8M | $52.1M | $52.7M |
| Property, plant & equipment | $13.6M | $13.1M | $11.5M | $11.4M | $11.5M | $11.4M | $11.5M | $11.6M |
| Intangible assets | — | — | — | $33.0K | $66.0K | $99.0K | $132.0K | $165.0K |
| Common stock & paid-in capital | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K | $34.0K |
| Retained earnings | $33.9M | $33.1M | $32.4M | $31.8M | $31.2M | $30.7M | $30.2M | $29.8M |
| Accumulated other comprehensive income (loss) | -$3.2M | -$3.4M | -$3.1M | -$3.3M | -$4.2M | -$4.4M | -$4.8M | -$4.1M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.4M | $1.6M | $302.0K | $1.6M | $1.0M | -$1.5M | $80.0K | $816.0K |
| Investing cash flow | -$12.7M | -$1.4M | $4.4M | $5.9M | -$1.9M | -$701.0K | -$48.0K | -$8.5M |
| Financing cash flow | $12.1M | -$192.0K | -$10.4M | -$6.6M | $361.0K | $766.0K | -$4.5M | -$6.8M |
| Free cash flow | $786.0K | -$178.0K | $160.0K | $1.6M | $822.0K | -$1.6M | $71.0K | $805.0K |
| Capital expenditures | $585.0K | $1.8M | $142.0K | $39.0K | $185.0K | $28.0K | $9.0K | $11.0K |
| Share-based compensation | $159.0K | $37.0K | $151.0K | $151.0K | $130.0K | $175.0K | $134.0K | $177.0K |
| Deferred income taxes | $135.0K | $124.0K | $131.0K | $36.0K | $158.0K | $80.0K | $45.0K | $142.0K |
| Purchases of investments | -$1.0K | $1.5M | $32.5M | $17.0M | $1.5M | $2.7M | $15.9M | $0 |
| Sales/maturities of investments | $1.2M | $927.0K | $35.2M | $5.5M | $3.4M | $3.6M | $5.6M | $5.1M |
| Dividends paid | $173.0K | $143.0K | $233.0K | $118.0K | $119.0K | $123.0K | $124.0K | $125.0K |
| Share repurchases | $257.0K | — | $816.0K | $1.0M | $846.0K | $495.0K | $576.0K | $418.0K |
| Debt issued | $13.0M | — | $13.0M | $3.1M | — | — | $5.0M | $52.0K |
| Debt repaid | $8.1M | $4.1M | $16.1M | $3.5M | $322.0K | $320.0K | $18.3M | $8.1M |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Net income | $2.8M | -$1.3M | -$733.0K | $1.8M | $518.0K |
| EPS (diluted) | $1.00 | $-0.44 | $-0.24 | $0.58 | $0.17 |
| EPS (basic) | $1.04 | $-0.45 | $-0.24 | $0.58 | $0.17 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $429.8M | $443.5M | $452.0M | $417.3M | $364.8M |
| Total liabilities | $376.1M | $391.3M | $398.4M | $361.5M | $304.7M |
| Stockholders' equity | $53.8M | $52.1M | $53.7M | $55.9M | $60.1M |
| Property, plant & equipment | $11.5M | $11.5M | $11.6M | $6.3M | $6.2M |
| Intangible assets | — | $132.0K | $265.0K | $397.0K | $529.0K |
| Common stock & paid-in capital | $34.0K | $34.0K | $34.0K | $33.0K | $33.0K |
| Retained earnings | $32.4M | $30.2M | $32.0M | $34.1M | $32.3M |
| Accumulated other comprehensive income (loss) | -$3.1M | -$4.8M | -$5.6M | -$7.0M | -$686.0K |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $1.4M | $1.9M | $2.3M | $3.1M | $1.8M |
| Investing cash flow | $7.7M | $8.8M | -$31.2M | -$72.2M | -$52.8M |
| Financing cash flow | -$15.9M | -$10.5M | $33.0M | $56.1M | $64.9M |
| Free cash flow | $973.0K | $740.0K | -$3.3M | $2.7M | $1.6M |
| Capital expenditures | $394.0K | $1.2M | $5.6M | $393.0K | $137.0K |
| Share-based compensation | $607.0K | $757.0K | $528.0K | $84.0K | — |
| Deferred income taxes | $405.0K | -$476.0K | -$232.0K | $25.0K | -$188.0K |
| Purchases of investments | $53.7M | $19.4M | $10.3M | $75.3M | $79.4M |
| Sales/maturities of investments | $47.7M | $18.4M | $6.2M | $5.8M | $34.4M |
| Dividends paid | $593.0K | $504.0K | $368.0K | — | — |
| Share repurchases | $3.2M | $1.6M | $2.2M | — | — |
| Debt issued | $16.1M | $5.1M | $33.2M | $192.5M | — |
| Debt repaid | $20.3M | $32.1M | $18.8M | $157.6M | $3.2M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding TCBS as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2023-12-18 to 2026-06-10
Recent transactions
- Insiders have net bought 16,135 shares over the last 182 days, across 1 purchase and 2 sales.
- Most recent: Scavuzzo Anthony (Director) — Open market purchase of 20,000 shares on 2026-06-10.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Scavuzzo Anthony | Director | Open market purchase | 2026-06-10 | 20,000 |
| Sobel Jason | President and CEO | Open market sale | 2026-06-10 | 2,100 |
| Strange Haskell | SVP and COO | Open market sale | 2026-06-10 | 1,765 |
| Mize Sheree A. | Corporate Secretary | Open market sale | 2025-05-29 | 1,303 |
| Sharff Julie | Chief Financial Officer | Open market sale | 2025-05-29 | 2,127 |
| Sherrill Johnny | Director | Open market purchase | 2025-05-07 | 600 |
| Baucum Terri | SVP & CLO | Open market sale | 2024-09-03 | 3,000 |
| Thurman Glen | Director | Open market purchase | 2024-08-19 | 2 |
| Bessonett Brittany | SVP and Marketing Officer | Open market sale | 2024-06-06 | 521 |
| Yarbrough Kraig | SVP | Open market sale | 2024-05-31 | 1,303 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-06-10 | Scavuzzo Anthony | Director | Open market purchase | 20,000 | $17.25 |
| 2026-06-10 | Sobel Jason | President and CEO | Open market sale | 2,100 | $17.25 |
| 2026-06-10 | Strange Haskell | SVP and COO | Open market sale | 1,765 | $17.25 |
| 2025-06-02 | Sobel Jason | President and CEO | Open market sale | 1,615 | $15.58 |
| 2025-05-29 | Mize Sheree A. | Corporate Secretary | Open market sale | 1,303 | $15.75 |
| 2025-05-29 | Sharff Julie | Chief Financial Officer | Open market sale | 2,127 | $15.75 |
| 2025-05-29 | Strange Haskell | SVP and COO | Open market sale | 1,289 | $15.75 |
| 2025-05-07 | Sherrill Johnny | Director | Open market purchase | 600 | $15.62 |
| 2024-12-17 | Scavuzzo Anthony | Director | Open market purchase | 2,807 | $15.00 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 03:34 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-08-11 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-06-11 | 4 | 2026-06-10 | View on SEC.gov → |
| 2026-06-11 | 4 | 2026-06-10 | View on SEC.gov → |
| 2026-06-11 | 4 | 2026-06-10 | View on SEC.gov → |
| 2026-05-21 | 8-K | 2026-05-19 | View on SEC.gov → |
| 2026-05-07 | 10-Q | 2026-03-31 | View on SEC.gov → |
| 2026-04-24 | 8-K | 2026-04-24 | View on SEC.gov → |
| 2026-03-25 | 10-K | 2025-12-31 | View on SEC.gov → |
| 2025-12-16 | 8-K | 2025-12-16 | View on SEC.gov → |
| 2025-12-02 | 8-K | 2025-12-01 | View on SEC.gov → |
| 2025-11-13 | 8-K | 2025-11-10 | View on SEC.gov → |
| 2025-11-07 | 10-Q | 2025-09-30 | View on SEC.gov → |
Recent news
Headlines about TCBS (Texas Community Bancshares, Inc.). Links open the publisher — we don’t host full articles.
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Quick read 20-10: Nasdaq rises 1.11% as tech stocks recover, TCBS lends over $2 billion.
Vietnam.vn · 2026-10-20 -
How Texas Community Bancshares Inc. (TCBS) Affects Rotational Strategy Timing
Stock Traders Daily · 2026-10-19 -
2 Outperform Microcaps that Look Undervalued
Yahoo · 2026-10-19 -
TCBS reports highest-ever Q3 2026 profit, exceeding 2,100 billion VND.
Vietnam.vn · 2026-10-19 -
The Zacks Analyst Blog Highlights Tesla, Bank of America, Coca-Cola and Texas Community Bancshares
Yahoo Finance · 2026-09-25 -
Top Stock Reports for Tesla, Bank of America & Coca-Cola
Yahoo Finance · 2026-09-24 -
Texas Community Bancshares declares $0.06 dividend
Seeking Alpha · 2026-08-26 -
Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend
Yahoo Finance · 2026-08-25
No headlines in this category right now — try “All”.