Texas Community Bancshares, Inc. (TCBS) Key Metrics
TCBS valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $48.8M
- Enterprise value
- $76.7M
- P/E (TTM)
- 14.0 10-yr median 26.5
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.0 10-yr median 2.2
- Price / book
- 0.9 10-yr median 0.7
- EV / EBITDA
- —
- Dividend yield
- 1.41% $0.24 a year
- Beta
- −0.03
TCBS key metrics, 2019–2025
Fiscal year ended December 31, 2025 · U.S. dollarsTCBS valuation Price multiples at each fiscal year-end price.
TCBS returns How much profit the business earns on the capital it uses.
TCBS per-share figures Results divided by the shares outstanding at year-end.
TCBS financial health Debt, liquidity and how easily interest is covered.
TCBS efficiency & capital use Working capital cycle and where the cash goes.
TCBS valuation history
TCBS returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
TCBS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
TCBS cash returned to shareholders
TCBS price vs earnings per share
TCBS key metrics
2019–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Valuation | |||||||
| Market capitalization | $51.3M | $45.5M | $43.2M | $46.5M | $46.5M | — | — |
| Enterprise value | $46.1M | $6.5M | $133.2M | −$11.2M | −$3.3M | — | — |
| P/E ratio | 18.1 | — | — | 26.5 | 89.8 | — | — |
| Price / sales | 2.0 | 2.2 | 2.2 | 3.2 | 3.8 | — | — |
| Price / book | 1.0 | 0.9 | 0.7 | 0.6 | 0.7 | — | — |
| Price / free cash flow | 52.7 | 61.5 | — | 17.0 | 28.7 | — | — |
| Price / operating cash flow | 37.5 | 23.5 | 18.9 | 14.9 | 26.5 | — | — |
| EV / sales | 1.8 | 0.3 | 6.9 | -0.8 | -0.3 | — | — |
| EV / EBITDA | 11.6 | — | — | — | — | — | — |
| EV / free cash flow | 47.3 | 8.8 | — | — | — | — | — |
| Earnings yield | 5.5% | −2.9% | −1.7% | 3.8% | 1.1% | — | — |
| Free cash flow yield | 1.9% | 1.6% | −7.7% | 5.9% | 3.5% | — | — |
| Dividend yield | 1.2% | 1.1% | 0.9% | 0.1% | 5.6% | — | — |
| Shareholder yield (dividends + buybacks) | 7.3% | 4.6% | 5.9% | 0.1% | 11.2% | — | — |
| Share price at fiscal year-end | $17.97 | $15.25 | $14.12 | $15.35 | $15.50 | — | — |
| Per share | |||||||
| Revenue per share | $8.95 | $6.98 | $6.31 | $4.76 | $4.08 | $2.57 | $2.45 |
| Earnings per share | $1.00 | −$0.44 | −$0.24 | $0.58 | $0.17 | $0.16 | $0.22 |
| Operating cash flow per share | $0.48 | $0.65 | $0.75 | $1.03 | $0.59 | $0.40 | $0.44 |
| Free cash flow per share | $0.34 | $0.25 | −$1.08 | $0.90 | $0.54 | $0.23 | $0.43 |
| Cash per share | $17.83 | $29.78 | −$4.26 | $39.69 | $25.78 | $6.85 | $7.06 |
| Book value per share | $18.83 | $17.45 | $20.97 | $27.82 | $21.25 | $9.77 | $6.52 |
| Tangible book value per share | $18.83 | $17.41 | $20.89 | $27.69 | $21.08 | $9.63 | $6.35 |
| Dividends per share | $0.21 | $0.17 | $0.12 | $0.01 | $0.87 | — | — |
| Capex per share | $0.14 | $0.40 | $1.83 | $0.13 | $0.05 | $0.17 | $0.02 |
| Debt per share | $15.99 | $16.70 | $25.11 | $20.64 | $9.18 | $6.40 | $6.54 |
| Shares outstanding | 2.9M | 3.0M | 3.1M | 3.0M | 3.0M | 4.8M | 4.8M |
| Change in shares outstanding | −4.4% | −2.5% | +1.1% | +0.9% | −37.6% | +1.1% | — |
| Returns & profitability | |||||||
| Return on equity (ROE) | 5.4% | −2.2% | −1.0% | 2.4% | 0.9% | 1.9% | 3.4% |
| Return on invested capital (ROIC) | 9.2% | −1.7% | −0.8% | 8.7% | 1.8% | 2.0% | 3.7% |
| Return on assets (ROA) | 0.7% | −0.3% | −0.2% | 0.4% | 0.2% | 0.3% | 0.4% |
| Return on tangible assets | 0.7% | −0.3% | −0.2% | 0.4% | 0.1% | 0.3% | 0.4% |
| Free cash flow margin | 3.8% | 3.6% | −17.1% | 19.0% | 13.2% | 8.9% | 17.4% |
| Income quality (OCF / net income) | 0.48 | — | — | 1.78 | 3.39 | 2.55 | 1.98 |
| Financial health | |||||||
| Total debt | $45.7M | $49.9M | $76.9M | $62.5M | $27.6M | $30.8M | $31.1M |
| Cash & short-term investments | $50.9M | $88.9M | −$13.1M | $120.2M | $77.4M | $32.9M | $33.6M |
| Net debt | −$5.3M | −$39.0M | $90.0M | −$57.7M | −$49.8M | −$2.2M | −$2.5M |
| Debt / equity | 0.85 | 0.96 | 1.20 | 0.74 | 0.43 | 0.65 | 1.00 |
| Debt / assets | 0.11 | 0.11 | 0.17 | 0.15 | 0.08 | 0.10 | 0.12 |
| Net debt / EBITDA | −1.33 | — | — | −22.12 | −47.55 | −1.59 | −1.44 |
| Current ratio | 0.16 | 0.27 | 0.10 | 1.83 | 0.47 | 0.34 | 0.17 |
| Quick ratio | 0.16 | 0.27 | 0.06 | 0.66 | 0.70 | 0.57 | 0.29 |
| Interest coverage | 0.4 | -0.2 | -0.1 | 1.0 | 0.3 | 0.4 | 0.5 |
| Working capital | −$275.3M | −$243.7M | −$221.6M | $168.6M | −$88.4M | −$66.5M | −$170.9M |
| Invested capital | $48.5M | $13.1M | $154.2M | $26.6M | $14.0M | $44.8M | $28.6M |
| Tangible asset value | $53.8M | $52.0M | $64.0M | $83.8M | $63.3M | $46.3M | $30.2M |
| Net current asset value | −$323.5M | −$299.2M | −$362.3M | $39.8M | −$222.6M | −$218.7M | −$202.0M |
| Graham number | $20.53 | — | — | $19.04 | $9.08 | $5.85 | $5.71 |
| Graham net-net per share | −$113.44 | −$100.47 | −$128.62 | −$30.51 | −$80.56 | −$47.92 | −$45.15 |
| Capital allocation | |||||||
| Dividends paid | $593,000 | $504,000 | $368,000 | $28,000 | $2.6M | — | — |
| Share buybacks (net) | $3.2M | $1.6M | $2.2M | $0 | $2.6M | — | — |
| Dividend payout ratio | 20.9% | — | — | 1.6% | 503.1% | — | — |
| Dividends + buybacks / free cash flow | 386.0% | 281.4% | — | 1.0% | 321.7% | — | — |
| Capex / revenue | 1.5% | 5.8% | 29.0% | 2.7% | 1.1% | 6.5% | 0.6% |
| Capex / operating cash flow | 28.8% | 61.9% | 244.8% | 12.6% | 7.8% | 42.2% | 3.5% |
| Capex / depreciation | 0.66 | 2.10 | 13.27 | 0.91 | 0.31 | 1.87 | 0.17 |
| Stock-based compensation / revenue | 1.0% | 4.7% | 3.7% | 2.1% | 1.6% | 7.1% | 3.3% |
| SG&A / revenue | 28.0% | 34.3% | 38.6% | 42.8% | 44.5% | 41.9% | 40.6% |
| Efficiency | |||||||
| Days sales outstanding | 34.8 | 43.6 | 29.8 | 30.7 | 30.3 | 27.8 | 27.8 |
| Days of inventory on hand | — | — | 5,522.7 | 14,722.7 | -5,162.4 | -2,968.8 | -3,312.9 |
| Days payables outstanding | — | — | — | — | 42,977.1 | 26,790.5 | 26,607.8 |
| Cash conversion cycle (days) | — | — | — | — | -48,109.2 | -29,731.5 | -29,892.9 |
| Receivables turnover | 10.50 | 8.38 | 12.25 | 11.89 | 12.06 | 13.13 | 13.13 |
| Payables turnover | — | — | — | — | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | 0.07 | 0.02 | — | — | — |
| Asset turnover | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $2.4M | $2.5M | $1.6M | $1.2M | $1.0M | $941,302 | $887,510 |
| Average payables | — | — | — | — | $255.0M | $219.7M | $204.2M |
| Average inventory | — | — | $125.1M | $100.5M | −$30.6M | −$24.3M | −$25.4M |
| Intangibles / total assets | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% |
Computed from TCBS's annual financial statements (latest annual report filed March 25, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
TCBS valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Texas Community Bancshares traded at 18.1 times earnings, against a 7-year median of 26.5. Based on the latest twelve months, the trailing P/E is 14.0. Texas Community Bancshares earned a return on equity of 5.4% and a return on invested capital of 9.2% in fiscal 2025. It ended the year with $45.7 million of debt and $50.9 million in cash and short-term investments, a net cash position of $5.3 million. It returned $3.8 million to shareholders: $0.6 million in dividends and $3.2 million in share buybacks, 386% of free cash flow. The share count fell 40.0% from 4.8M to 2.9M over 6 years.
See the TCBS income statement, the TCBS chart for price history, or the TCBS stock overview for the latest quote and news.
TCBS key metrics FAQ
What is Texas Community Bancshares's P/E ratio?
Texas Community Bancshares's trailing P/E ratio is 14.0 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 18.1, compared with a 7-year median of 26.5.
What is Texas Community Bancshares's EV/EBITDA?
Texas Community Bancshares's enterprise value was 11.6 times EBITDA at the end of fiscal 2025 (enterprise value $46.1 million, EBITDA $4.0 million).
What is Texas Community Bancshares's return on equity?
Texas Community Bancshares's return on equity (ROE) was 5.4% in fiscal 2025: net income of $2.8 million on average shareholders' equity of $52.9 million.
What is Texas Community Bancshares's ROIC?
Texas Community Bancshares's return on invested capital was 9.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Texas Community Bancshares have?
Texas Community Bancshares had total debt of $45.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.85 and more cash than debt.
What is Texas Community Bancshares's dividend yield?
Texas Community Bancshares's forward dividend yield is 1.41%. Texas Community Bancshares paid $0.6 million in dividends in fiscal 2025 ($0.21 per share), a payout ratio of 20.9%.
Does Texas Community Bancshares buy back its shares?
Yes. Texas Community Bancshares spent $3.2 million on net share repurchases in fiscal 2025 Shares outstanding changed −4.4% over the year, to 2.9M..
What is Texas Community Bancshares's free cash flow yield?
Texas Community Bancshares generated $1.0 million of free cash flow in fiscal 2025, a free cash flow yield of 1.9% on its market value at year-end ($51.3 million).
What is Texas Community Bancshares's current ratio?
Texas Community Bancshares's current ratio was 0.16 at the end of fiscal 2025: current assets were 0.16 times current liabilities.