YOLFTbeta
Texas Community Bancshares Inc

Texas Community Bancshares Inc

TCBS · NASDAQ · Financial Services / Banks - Regional

17.43USD+0.18 (+1.01%)

Price History

Full chart

Market Stats

Previous Close17.25
Open17.40
Day Range17.30 – 17.43
52-Week Range15.52 – 19.80
Volume3.58K
Market Cap48.84M
P/E (TTM)14.05
Forward P/E0.00
EPS1.21
Dividend Yield1.41%
Beta-0.03
50-Day Avg17.38
200-Day Avg17.13

About

Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jason Sobel
  • Employees61
  • Headquarters215 West Broad Street, Mineola, TX, United States, 75773, USA
  • Websitehttps://www.broadstreet.bank

Leadership

  • Mr. Jason SobelPresident, CEO & Director · b. 1978
  • Mr. Jason McCrary CPAChief Financial Officer · b. 1971
  • Mr. Haskell StrangeSenior VP & COO · b. 1967
  • Ms. Sofia GurrusquietaSenior Accounting Officer & CRA Officer · b. 1994
  • Ms. Brittany BessonettSenior VP & Marketing Director · b. 1977
  • Mr. Clinton YarbroughSenior Vice President · b. 1964
  • Ms. Chaska CarawayCorporate Secretary

Financials

Income Statement

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.65M12.36M12.25M14.43M19.33M20.84M25.57M
Growth (%)-+6.09%-0.88%+17.77%+33.98%+7.79%+22.72%
Cost of Revenue2.80M2.99M2.17M2.49M8.27M10.06M10.01M
Gross Profit8.85M9.37M10.09M11.94M11.06M10.78M15.56M
Gross Margin75.95%75.78%82.32%82.73%57.21%51.72%60.86%
Operating Expense7.56M8.42M9.47M9.76M12.00M12.56M12.20M
Operating Income1.29M941.87K611.00K2.18M-937.00K-1.78M3.36M
Operating Margin11.05%7.62%4.99%15.09%-4.85%-8.55%13.16%
EBITDA1.71M1.37M1.05M2.61M-515.00K-1.21M3.96M
EBITDA Margin14.69%11.10%8.55%18.08%-2.66%-5.80%15.48%
Net Income1.06M749.00K518.00K1.75M-733.00K-1.30M2.84M
Net Income Margin9.07%6.06%4.23%12.16%-3.79%-6.26%11.11%
Interest Expense2.64M2.51M2.12M2.28M7.91M9.90M9.18M
Interest Expense % of Total Revenue22.68%20.30%17.27%15.82%40.94%47.52%35.89%

Balance Sheet

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets267.56M299.64M364.83M417.35M452.04M443.46M429.84M
Total Liabilities236.51M252.62M301.02M333.09M387.82M391.35M376.08M
Total Equity31.05M47.01M63.81M84.25M64.23M52.11M53.76M
Cash22.89M19.98M20.61M8.95M17.71M13.73M9.38M
Total Debt31.14M30.77M27.57M62.49M76.90M49.88M45.67M
Net Debt8.25M10.79M6.96M53.54M59.19M36.14M36.28M

Cash Flow

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.10M1.91M1.76M3.13M2.29M1.94M1.37M
Investing Cash Flow-21.40M-29.91M-52.80M-72.18M-31.15M8.80M7.68M
Financing Cash Flow14.17M30.54M64.88M56.07M33.00M-10.51M-15.89M
Capital Expenditure73.15K806.00K137.00K393.00K5.60M1.20M394.00K
Free Cash Flow2.02M1.10M1.62M2.74M-3.31M740.00K973.00K
Dividends Paid--2.61M28.00K368.00K504.00K593.00K
FCF to OCF96.51%57.82%92.20%87.44%-144.80%38.12%71.18%
Dividend Paid to FCF--160.86%1.02%-11.11%68.11%60.95%

Earnings

Report DateMay 24, 2021Aug 13, 2021Nov 12, 2021Mar 23, 2022May 13, 2022Aug 10, 2022Nov 14, 2022Mar 30, 2023Mar 31, 2023Jun 30, 2023Sep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Mar 27, 2025May 13, 2025Aug 7, 2025Nov 7, 2025Dec 31, 2025Mar 31, 2026Aug 11, 2026Nov 6, 2026
EPS Estimate0.000.00---------------------
EPS Actual0.06-0.07-0.070.100.130.140.180.13-0.330.050.15-0.10-0.900.120.170.170.220.230.240.290.310.35-
Surprise-----------------------
Timing-----------------------

Key Statistics & Ratios

Market Cap48.84M
Enterprise Value76.66M
Trailing P/E14.05
Forward P/E0.00
Price / Sales2.96
Price / Book0.88
EPS1.21
Book Value20.41
Revenue (TTM)16.52M
Gross Profit (TTM)16.52M
Profit Margin20.14%
Operating Margin26.63%
Return on Equity6.16%
Return on Assets0.75%
Shares Outstanding2.87M
Shares Float2.07M
Beta-0.03
Dividend Yield1.41%
Dividend Rate0.24
Payout Ratio21.07%

Ownership Breakdown

Institutions
14.49%
Insiders
24.39%
Retail / Other
61.12%

Top Institutional Holders

  • AllianceBernstein L.P.
    168.11K5.85%
  • Vanguard Capital Management, LLC
    56.75K1.98%
  • Oppenheimer & Close Inc
    54.48K1.90%
  • EP Wealth Advisors, Inc.
    52.68K1.83%
  • Fourthstone LLC
    20.89K0.73%
  • Geode Capital Management, LLC
    17.75K0.62%
  • Vanguard Fiduciary Trust Co
    12.83K0.45%
  • Northern Trust Corp
    12.47K0.43%
  • Susquehanna International Group, LLP
    11.51K0.40%
  • BlackRock Inc
    5.81K0.20%
  • Vanguard Global Advisers, LLC
    1.36K0.05%
  • Tower Research Capital LLC
    00.00%
  • UBS Group AG
    00.00%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    32.59K1.13%
  • Fidelity Extended Market Index
    10.69K0.37%
  • iShares Micro-Cap ETF
    7.32K0.25%
  • Fidelity Series Total Market Index
    3.84K0.13%
  • Vanguard U.S. Eq Idx £ Acc
    1.36K0.05%
  • Fidelity Total Market Index
    8140.03%
  • 1290 VT Micro Cap K
    5540.02%

Dividends

20263×
0.06Sep 8, 20260.06Jun 2, 20260.05Mar 10, 2026
20254×
0.08Dec 2, 20250.04Sep 11, 20250.04Jun 5, 20250.04Mar 10, 2025
20244×
0.04Dec 12, 20240.04Sep 12, 20240.04Jun 14, 20240.04Mar 13, 2024
20234×
0.03Dec 7, 20230.03Sep 7, 20230.03Jun 8, 20230.02Mar 9, 2023