Texas Community Bancshares, Inc. (TCBS)

From the record

Texas Community Bancshares, Inc.'s filings since 2021 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Texas Community Bancshares, Inc.'s 6 filed years say what it did: revenue went from $11 million in fiscal 2020 to $22 million in fiscal 2025, up 15.8% a year; it rose in 4 of 5 years; the deepest fall was 2% from fiscal 2020 to fiscal 2021; net income was positive in 4 of 6 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Texas Community Bancshares, Inc.'s diluted share count shrank about 1.9% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 2 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $345 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Texas Community Bancshares, Inc. earned about 5 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count shrank 4.4% over the year (the filed statements).

From the record

Texas Community Bancshares, Inc.'s standing among 22 graded names in its industry family: revenue of $22 million in fiscal 2025 ranks in the bottom 11% by size; a net margin of 12.6% ranks in the bottom 48%; revenue growth of 21.4% a year over the last 3 filed years ranks in the top 30% (its annual reports).

From the record

Texas Community Bancshares, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Sobel, Jason (President and CEO, as filed), filing under that title since 2024-02-29, 2.7 years (bottom 42% of its family); the 4 officers and directors filing in the last fifteen months have been on the record a median of 4.2 years (bottom 18%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 4 people in charge now (bottom 2%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Texas Community Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $6 million against no long-term debt tagged leaves 1.5% of its assets as net cash, bottom 23% of its family; cash from operations less capital spending is 4.3% of revenue (bottom 20%) (its annual report).

From the record

Texas Community Bancshares, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 21.4% a year over the last three filed years against 15.8% over all 6, speeding up (top 24% of its family); the newest year grew 0.2% (bottom 24%); capital spending grew 0.1% a year (top 36%) (its annual reports). Texas Community Bancshares, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Texas Community Bancshares, Inc.'s newest year against its own record: revenue of $22 million in fiscal 2025 came in 25% below the $30 million its prior three years' pace pointed to (bottom 21% of its family); net income of $3 million against a prior three-year average of $95 thousand (top 6%); a net margin of 12.6% against 1.4% before (top 9%) (its annual reports).