Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 26M | 21M | 19M | 14M | 12M |
| Gross Profit | 16M | 11M | 11M | 12M | 10M |
| Operating Income | 3M | -2M | -937K | 2M | 611K |
| EBITDA | 3M | -1M | -515K | 3M | 1M |
| Net Income | 3M | -1M | -733K | 2M | 518K |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$17.78
+3.49% today
1Y Change
+7.79%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Texas Community Bancshares, Inc. (TCBS) is a Financial Services stock with a market cap of $50.00M and listed on NASDAQ. The stock last traded around $17.78 and up 7.8% across the available one-year price window (Jun 23, 2025 → Jun 12, 2026). Baseline metrics include revenue growth of +22.7%, EPS growth of +331.1%, a dividend yield of 1.3%. What stands out right now is revenue +22.7%, EPS +331.1%, free cash flow +31.5% with operating margin 13.9% and ROIC 3.0%. The dividend is present but secondary, with a yield around 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 15.8 and price/sales 1.9. Overall, the current profile looks closer to a higher-growth but lower-margin setup than a generic broad-market placeholder. Stock Foundry combines TCBS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
TCBS
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
TCBS Max Drawdown
-11.79%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for TCBS and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$12.3M
-15.1% YoY
FY Net Income
$518.0K
-70.5% YoY
Free Cash Flow
$1.6M
-40.8% YoY
Revenue Growth
+22.7%
EPS Growth
+331.1%
Gross Margin
62.2%
Net Margin
11.8%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 26M | 21M | 19M | 14M | 12M |
| Gross Profit | 16M | 11M | 11M | 12M | 10M |
| Operating Income | 3M | -2M | -937K | 2M | 611K |
| EBITDA | 3M | -1M | -515K | 3M | 1M |
| Net Income | 3M | -1M | -733K | 2M | 518K |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 4M | 14M | 18M | 9M | 21M |
| Total Assets | 430M | 443M | 452M | 417M | 365M |
| Total Liabilities | 376M | 391M | 398M | 361M | 305M |
| Shareholder Equity | 54M | 52M | 54M | 56M | 60M |
| Total Debt | 46M | 50M | 77M | 62M | 28M |
| Net Debt | 42M | 36M | 59M | 54M | 7M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
2M
-43.8% YoY
Capital Expenditures
137K
+65.1% YoY
Free Cash Flow
2M
-40.8% YoY
Key ratios
Gross Margin
62.2%
Operating Margin
13.9%
Net Margin
11.8%
ROE
5.7%
Debt / Equity
0.85x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.