Texas Community Bancshares, Inc. (TCBS) Stock

Texas Community Bancshares, Inc. (TCBS) is a Financials stock trading at $17.53 (as of 2026-09-02), with a market capitalization of $50.58M and a trailing P/E of 15.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Texas Community Bancshares, Inc. is the bank holding company for Mineola Community Bank, S.S.B., providing deposit products and banking services to consumers and commercial customers in Mineola, Texas and nearby areas, including the Dallas–Fort Worth Metroplex. It offers loans such as residential mortgage, commercial real estate, construction and land, and other consumer and commercial lending, along with investment in securities and related banking services.

Understand Texas Community Bancshares, Inc.: how it makes money

Mineola Community Bank, the operating bank of Texas Community Bancshares, lends to households and small businesses across Mineola, Texas and the Dallas Fort Worth Metroplex, earning income from the spread between loan rates and deposit costs. The franchise is a single-market community bank whose book skews toward residential mortgages and commercial real estate.

Profit is simply the net interest spread (loan yield minus deposit cost) multiplied by the loan book, with credit provisions the primary swing factor between operating income and the bottom line.

Business quality (Unprofitable): The bank earns a roughly 20% operating margin, yet is graded Unprofitable overall, meaning below-the-line charges (likely credit provisioning) erase core earnings. ROE of 6% is modest relative to the credit and interest-rate risk a small lender carries.

Bull case

  • Core spread earnings remain solid: The lending operation delivers an operating margin of 20%, confirming that net interest income from residential and commercial loans comfortably covers all operating expenses before credit provisions.

Bear case

  • Spread does not reach the bottom line: Despite a 20% operating margin, the company carries an Unprofitable quality grade. Credit provisioning or other charges below the operating line are wiping out core earnings, so the spread income investors see does not yet translate to net income.
Valuation — source: SEC EDGAR (first-party)
Price$17.53
Market Cap$50.58M
P/E Ratio15.2
EV / EBITDA10.0
Price / Book0.92
Price / Sales2.22
FCF Yield1.9%
DCF Value (model)$10.57
DCF Upside vs Price-39.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$22.49M
Net Margin12.6%
Revenue Growth (YoY)6.4%
EPS Growth (YoY)54.2%
FCF Growth (YoY)-4.4%
Valuation vs Sector & Industry
Stock P/E15.2
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector1.9%
vs Industry19.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderALLIANCEBERNSTEIN L.P. ($3.02M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJason Sobel
Employees60
CountryUS
IPO Date2021-07-16

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TCBS earnings history · TCBS institutional & insider holders · TCBS KPIs & operating metrics · TCBS financials · TCBS investor presentations & press releases · TCBS SEC filings · TCBS peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.