TEXAS COMMUNITY BANCSHARES

TCBSNASDAQ

🏆 #3600 by market capUS Equity

$17.98▲ $0.74 (+4.11%)

Market closed · at close

1h—

24h▲ 4.1%

7d▲ 0.0%

14d▲ 0.0%

30d▲ 0.0%

1y▲ 9.0%

🏦Market Cap

$52M

Small Cap

📈Revenue Growth (YoY)

—

📊Gross Margin

—

💵FCF Margin

—

⚖️P/S Ratio

—

Otter Score

Weak

Trading Snapshot

Day Range: $17.70 – $18.28
52-Week Range: $15.70 – $20.00
Volume: $2.43B
Avg Volume: $2.08B
Shares Outstanding: 2.9M
Next Earnings: Oct 3, 2026

Fundamentals Snapshot

Annual Revenue: $26M
Last Q Revenue: $6M
P/E Ratio: 16.4
P/S Ratio: —
EPS (TTM): $1.09
Dividend Yield: 1.23%

Why Investors Own TCBS

✓High-growth profile — revenue up +7.7% YoY with expanding US Equity exposure.
✓Healthy economics — 40% gross margin and 23% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$26M▲ +8.3% YoY

Gross Margin (TTM)

40.1%▲ +4.0% YoY

Operating Income (TTM)

$8M▲ +8.3% YoY

Free Cash Flow (TTM)

$6M▲ +8.3% YoY

About TEXAS COMMUNITY BANCSHARES

Texas Community Bancshares, Inc. operates as the parent company for Mineola Community Bank, S.S.B., delivering a comprehensive suite of financial products and services. These offerings serve both individual consumers and businesses throughout Mineola, Texas, its surrounding communities, and the broader Dallas-Fort Worth metropolitan area. The bank offers various deposit accounts, such as traditional checking and savings, certificates of deposit, and individual retirement accounts. Its lending portfolio predominantly includes mortgages for one-to-four family residences, as well as commercial real estate, construction, and land development loans. Further credit options are available for agricultural endeavors, general commercial needs, and a range of consumer purposes, including vehicle, boat, and unsecured personal loans. Beyond core banking activities, the company also engages in securities investments. Customers can additionally access services like sweep accounts, secure safe deposit boxes, various card solutions, and convenient online and mobile banking platforms. Established in 1934, Texas Community Bancshares, Inc. maintains its corporate headquarters in Mineola, Texas.

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