Stocktoria
Texas Community Bancshares, Inc. TCBS
Nasdaq · XNAS · stock · Savings Institutions, Not Federally Chartered · website · IPO 2021-07-15
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
20.9%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $2.8M | -$1.3M | -$733,000 | $1.8M | $518,000 |
| Operating cash flow | $1.4M | $1.9M | $2.3M | $3.1M | $1.8M |
| Free cash flow | $973,000 | $740,000 | -$3.3M | $2.7M | $1.6M |
| Total assets | $429.8M | $443.5M | $452.0M | $417.3M | $364.8M |
| Total liabilities | $376.1M | $391.3M | $398.4M | $361.5M | $304.7M |
| Shareholders' equity | $53.8M | $52.1M | $53.7M | $55.9M | $60.1M |
| Ratios | |||||
| Return on assets | 0.7% | -0.3% | -0.2% | 0.4% | 0.1% |
| Return on equity | 5.3% | -2.5% | -1.4% | 3.1% | 0.9% |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001849466 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.