TCBS · Texas Community Bancshares, Inc.
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $17.65 |
| SO | 2.9M |
| Options | — |
| Warrants | 0.0M |
| FD SO | 2.9M |
| MC | $50.9M |
| Cash | $6.5M |
| Total debt | — |
| EV | $44.5M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 1.7x |
| EV / EBITDA | — |
| MC / Net Income | 16.8x |
| EV / FCF | 18.9x |
| MC / FCF | 21.6x |
| Ownership & coverage | |
|---|---|
| Institutional | 14.4% |
| Insiders | 24.3% |
| # Institutions | 13 |
| Analysts | 0 |
| Consensus | — |
| Avg target | — |
| Short % float | 0.2% |
| Days to cover | 1.05 |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-05-07. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-07-13 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-06-29; the float denominator can be unreliable on tiny floats.
This filer tags no option count, so FD SO counts it as zero and understates dilution — treat FD SO, MC and EV as a floor. (XBRL reports nothing both for a filer that has none and for one that simply doesn't tag them.)
Financial statements
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Total Revenue | 6.27 | 6.73 | 6.69 | 6.05 |
| Revenue YoY % | 2.8% | 5.4% | 7.4% | (0.3%) |
| Gross Profit | 3.92 | 4.09 | 3.78 | 3.68 |
| Gross Profit YoY % | 17.8% | 28.2% | 17.7% | 15.5% |
| Gross Margin % | 62.6% | 60.8% | 56.5% | 60.7% |
| SG&A | 3.17 | 3.15 | 3.15 | 2.97 |
| Interest Expense | 3.43 | 3.54 | 3.28 | 3.17 |
| Pretax Income | 0.95 | 1.03 | 0.77 | 0.82 |
| Tax Provision | 0.12 | 0.19 | 0.09 | 0.14 |
| Net Income | 0.84 | 0.84 | 0.68 | 0.68 |
| Net Margin % | 13.3% | 12.5% | 10.2% | 11.2% |
| Diluted EPS | $0.31 | $0.31 | $0.24 | $0.23 |
| Basic EPS | $0.32 | $0.33 | $0.25 | $0.24 |
| Diluted Avg Shares | 2.7 | — | 2.9 | 2.9 |
| Basic Avg Shares | 2.6 | — | 2.8 | 2.8 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 25.74 | 25.57 | 20.55 | 19.33 | 14.43 |
| Revenue YoY % | 0.7% | 24.4% | 6.3% | 33.9% | — |
| Gross Profit | 15.47 | 15.39 | 12.55 | 11.06 | 10.28 |
| Gross Profit YoY % | 0.6% | 22.6% | 13.4% | 7.6% | — |
| Gross Margin % | 60.1% | 60.2% | 61.1% | 57.2% | 71.2% |
| SG&A | 12.44 | 12.20 | 12.27 | 12.00 | 9.77 |
| Interest Expense | 13.42 | 13.31 | 9.90 | 7.91 | 2.28 |
| Pretax Income | 3.57 | 3.36 | (1.78) | (0.94) | 2.18 |
| Tax Provision | 0.54 | 0.52 | (0.48) | (0.20) | 0.42 |
| Net Income | 3.04 | 2.84 | (1.30) | (0.73) | 1.75 |
| Net Margin % | 11.8% | 11.1% | (6.4%) | (3.8%) | 12.2% |
| Diluted EPS | $1.09 | $1.00 | -$0.44 | -$0.24 | $0.58 |
| Basic EPS | $1.14 | $1.04 | -$0.45 | -$0.24 | $0.58 |
| Diluted Avg Shares | 2.7 | 2.9 | 3.0 | 3.1 | 3.0 |
| Basic Avg Shares | 2.6 | 2.7 | 2.9 | 3.1 | 3.0 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 6.45 | 6.45 | 12.18 | 11.29 |
| Net PPE | 13.12 | 11.46 | 11.44 | 11.51 |
| Operating Lease ROU | — | 0.58 | — | — |
| Intangible Assets | — | — | 0.03 | 0.07 |
| Other Assets | 410.87 | 411.36 | 415.83 | 421.21 |
| Total Assets | 430.45 | 429.84 | 439.49 | 444.08 |
| Other Liabilities | 376.21 | 376.08 | 385.95 | 391.21 |
| Total Liabilities | 376.21 | 376.08 | 385.95 | 391.21 |
| Retained Earnings | 33.10 | 32.41 | 31.80 | 31.24 |
| Total Equity | 54.23 | 53.76 | 53.53 | 52.87 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 6.45 | 6.45 | 13.29 | 13.06 | 8.93 |
| Net PPE | 13.12 | 11.46 | 11.53 | 11.61 | 6.30 |
| Operating Lease ROU | — | 0.58 | 0.29 | 0.35 | 0.42 |
| Intangible Assets | — | — | 0.13 | 0.27 | 0.40 |
| Other Assets | 410.87 | 411.36 | 418.22 | 426.75 | 401.31 |
| Total Assets | 430.45 | 429.84 | 443.46 | 452.04 | 417.35 |
| Other Liabilities | 376.21 | 376.08 | 391.35 | 398.36 | 361.48 |
| Total Liabilities | 376.21 | 376.08 | 391.35 | 398.36 | 361.48 |
| Retained Earnings | 33.10 | 32.41 | 30.16 | 31.97 | 34.08 |
| Total Equity | 54.23 | 53.76 | 52.11 | 53.69 | 55.87 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Net Income | 0.84 | 0.84 | 0.68 | 0.68 |
| Stock-Based Comp | 0.04 | 0.15 | 0.15 | 0.13 |
| Δ Working Cap & Other | 0.73 | (0.69) | 0.76 | 0.20 |
| Operating Cash Flow | 1.61 | 0.30 | 1.59 | 1.01 |
| CapEx | (1.79) | (0.14) | (0.04) | (0.18) |
| Other Investing | — | 4.52 | 5.94 | (1.71) |
| Investing Cash Flow | (1.41) | 4.38 | 5.90 | (1.90) |
| Debt Issuance | — | 13.00 | — | — |
| Debt Repayment | (4.10) | (16.10) | (3.52) | (0.32) |
| Stock Buyback | — | (0.82) | (1.01) | (0.85) |
| Dividends Paid | (0.14) | (0.23) | (0.12) | (0.12) |
| Other Financing | 4.05 | (6.26) | (1.97) | 1.65 |
| Financing Cash Flow | (0.19) | (10.41) | (6.61) | 0.36 |
| Free Cash Flow | (0.18) | 0.16 | 1.55 | 0.82 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | 3.04 | 2.84 | (1.30) | (0.73) | 1.75 |
| D&A | — | 0.46 | 0.44 | 0.29 | 0.30 |
| Stock-Based Comp | 0.47 | 0.61 | 0.76 | 0.53 | 0.08 |
| Δ Working Cap & Other | 1.00 | (2.54) | 2.05 | 2.20 | 0.99 |
| Operating Cash Flow | 4.51 | 1.37 | 1.94 | 2.29 | 3.13 |
| CapEx | (2.15) | (0.39) | (1.20) | (5.60) | (0.39) |
| Other Investing | 9.12 | 8.08 | 10.00 | (25.55) | (71.79) |
| Investing Cash Flow | 6.97 | 7.68 | 8.80 | (31.15) | (72.18) |
| Debt Issuance | — | 16.05 | 5.05 | 33.20 | 192.50 |
| Debt Repayment | (24.04) | (20.26) | (32.07) | (18.80) | (157.58) |
| Stock Buyback | — | (3.16) | (1.58) | (2.20) | — |
| Dividends Paid | (0.61) | (0.59) | (0.50) | (0.37) | — |
| Other Financing | 7.81 | (7.92) | 18.59 | 21.16 | 21.14 |
| Financing Cash Flow | (16.85) | (15.89) | (10.51) | 33.00 | 56.07 |
| Free Cash Flow | 2.36 | 0.97 | 0.74 | (3.31) | 2.74 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | 6.94 | 7.00 | 7.21 | 7.40 |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | — | — | — | — |
| ROE % | 1.5% | 1.6% | 1.3% | 1.3% |
| ROA % | 0.2% | 0.2% | 0.2% | 0.2% |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — |
| Debt / Equity | 6.94 | 7.00 | 7.51 | 7.42 | 6.47 |
| EBITDA Margin % | — | — | — | — | — |
| Working Capital | — | — | — | — | — |
| Net Debt | — | — | — | — | — |
| ROE % | 5.6% | 5.3% | (2.5%) | (1.4%) | 3.1% |
| ROA % | 0.7% | 0.7% | (0.3%) | (0.2%) | 0.4% |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-06-11 | Scavuzzo Anthony | Director | 2026-06-10 | P | 20,000 | $17.25 | $345,000 |
| 2026-06-11 | Sobel Jason | Director, Officer (President and CEO) | 2026-06-10 | S | (2,100) | $17.25 | -$36,226 |
| 2026-06-11 | Strange Haskell | Officer (SVP and COO) | 2026-06-10 | S | (1,765) | $17.25 | -$30,448 |
| 2025-06-04 | Sobel Jason | Director, Officer (President and CEO) | 2025-06-02 | S | (1,615) | $15.58 | -$25,167 |
| 2025-05-30 | Mize Sheree A. | Officer (Corporate Secretary) | 2025-05-29 | S | (1,303) | $15.75 | -$20,522 |
| 2025-05-30 | Sharff Julie | Officer (Chief Financial Officer) | 2025-05-29 | S | (2,127) | $15.75 | -$33,500 |
| 2025-05-30 | Strange Haskell | Officer (SVP and COO) | 2025-05-29 | S | (1,289) | $15.75 | -$20,302 |
| 2025-05-08 | Sherrill Johnny | Director | 2025-05-07 | P | 600 | $15.62 | $9,375 |
| 2024-12-18 | Scavuzzo Anthony | Director | 2024-12-17 | P | 2,807 | $15.00 | $42,105 |
| 2024-09-04 | Baucum Terri | Officer (SVP & CLO) | 2024-09-03 | S | (3,000) | $14.26 | -$42,787 |
| 2024-08-28 | Scavuzzo Anthony | Director | 2024-08-26 | P | 15,000 | $13.99 | $209,850 |
| 2024-08-26 | Baucum Terri | Officer (SVP & CLO) | 2024-08-22 | S | (1,954) | $13.75 | -$26,868 |
| 2024-08-20 | Thurman Glen | Director | 2024-08-19 | P | 2 | $13.70 | $27 |
| 2024-08-20 | Strange Haskell | Officer (SVP and COO) | 2024-08-16 | P | (14) | $13.75 | -$192 |