# Texas Community Bancshares Inc. (TCBS)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $49M  
**Price:** $16.99 (+1.25%)

> Texas Community Bancshares Inc. represents a key player in the community banking sector, focusing on providing financial services to small businesses and individual consumers primarily in Texas. The company's core functions include offering a range of banking products such as savings accounts, loans, and mortgages tailored to meet local economic needs. Operating through its network of local branches, Texas Community Bancshares Inc. plays a crucial role in fostering community development and economic growth by enabling access to credit and financial resources. It engages deeply with the local economy, supporting sectors such as agriculture, small enterprises, and housing markets. By being a locally-focused financial institution, Texas Community Bancshares Inc. is pivotal in promoting financial inclusion and stability within its operational regions. Its understanding of community dynamics allows it to deliver personalized banking solutions, contributing to its reputation as a trusted financial partner for many Texan residents and business owners. This approach not only strengthens local economies but also underscores the institution’s role as a cornerstone of community-oriented banking.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $22M | — | — | $3M | $1.00 |
| 2024 | $22M | — | — | -$1M | $-0.44 |
| 2023 | $19M | — | — | -$733,000 | $-0.24 |
| 2022 | $13M | — | — | $2M | $0.58 |
| 2021 | $11M | — | — | $518,000 | $0.17 |
| 2020 | $11M | — | — | $749,000 | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $430M | $376M | $54M | — | — |
| 2024 | $443M | $391M | $52M | — | — |
| 2023 | $452M | $398M | $54M | — | — |
| 2022 | $417M | $361M | $56M | — | — |
| 2021 | $365M | $305M | $60M | — | — |
| 2020 | $300M | $268M | — | — | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $1M | $394,000 | $973,000 |
| 2024 | $2M | $1M | $740,000 |
| 2023 | $2M | $6M | -$3M |
| 2022 | $3M | $393,000 | $3M |
| 2021 | $2M | $137,000 | $2M |
| 2020 | $2M | $806,000 | $1M |

Source: [CompaniesByCap](https://companiesbycap.com/company/TCBS)