Texas Community Bancshares Inc. Common Stock (TCBS)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Texas Community Bancshares is a $48.8 million market-cap bank holding company for Broadstreet Bank, SSB, with 61 employees serving Mineola and the Dallas-Fort Worth area. It is, by the FairStock classification, a TURNAROUND: it lost $733,000 in FY2023 (period ended 2023-12-31) and $1.3 million in FY2024 (period ended 2024-12-31), then earned $2.8 million, or $1.00 per diluted share, in FY2025 (period ended 2025-12-31). The latest filed figures show net income of $970,000 and diluted EPS of $0.35 in fiscal Q2 2026 (quarter ended 2026-06-30), up from $836,000 and $0.31 in fiscal Q1 2026 (quarter ended 2026-03-31), and $680,000 and $0.24 in fiscal Q3 2025 (quarter ended 2025-09-30). That is genuine progress, but from a low base.

In plain English: Texas Community Bancshares is a small Texas bank that takes deposits and makes loans around Mineola and the Dallas-Fort Worth area. The business lost money in 2023 and 2024 but has turned profitable in 2025 and 2026, though the profits are still modest for a bank. At $17.00, the stock looks somewhat cheap compared with its accounting value and earnings, but it is not a high-quality, fast-growing business.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer