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Texas Community Bancshares, Inc. TCBS

Nasdaq · stock · Savings Institutions, Not Federally Chartered · website · IPO 2021-07-15

Texas Community Bancshares, Inc. statistics & valuation

Market cap$51.4M
P / E18.1×
P / B1.0×
P / FCF52.8×
Dividend yield1.15%
Return on equity5.3%
Graham number +17.9%$20.47

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($20.47); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
202020212022202320242025
Operating margin (%)
202020212022202320242025
Return on equity (%)
0.90% 3.10% -1.40% -2.50% 5.30% 202020212022202320242025
Shares outstanding
0 3.3M 3.3M 3.2M 3.1M 2.9M 202020212022202320242025
Net debt ($)
202020212022202320242025
Share buybacks ($)
202020212022202320242025
Return on assets (%)
0.20% 0.10% 0.40% -0.20% -0.30% 0.70% 202020212022202320242025
Free cash flow margin (%)
202020212022202320242025
Debt / equity (×)
202020212022202320242025
EPS ($)
$0.17 $0.58 -$0.24 -$0.44 $1.00 202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020
Return on assets0.7%-0.3%-0.2%0.4%0.1%0.2%
Return on equity5.3%-2.5%-1.4%3.1%0.9%—

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.