Texas Community Bancshares, Inc. operates as the parent company for Mineola Community Bank, S.S.B., delivering a comprehensive suite of financial products and ...
Texas Community Bancshares, Inc. (TCBS) operates as the parent company of Broadstreet Bank, SSB, a community-focused financial institution with roots dating back to 1934. The company is headquartered in Mineola, Texas, and serves customers in Mineola, the surrounding communities, and the broader Dallas-Fort Worth metropolitan area. Its business model centers ...Texas Community Bancshares, Inc. (TCBS) operates as the parent company of Broadstreet Bank, SSB, a community-focused financial institution with roots dating back to 1934. The company is headquartered in Mineola, Texas, and serves customers in Mineola, the surrounding communities, and the broader Dallas-Fort Worth metropolitan area. Its business model centers on traditional community banking, offering a comprehensive suite of deposit products including checking and savings accounts, certificates of deposit, and individual retirement accounts. On the lending side, the bank primarily focuses on mortgages for one-to-four family residences, commercial real estate, construction, and land development loans, as well as agricultural, commercial, and consumer credit options such as vehicle, boat, and unsecured personal loans. Additionally, the bank engages in securities investments and provides ancillary services like sweep accounts, safe deposit boxes, card solutions, and robust online and mobile banking platforms. As of the latest data, TCBS has 61 full-time employees and trades on the NASDAQ Capital Market. The company went public in July 2021, and its leadership is headed by CEO and President Jason Sobel. Financially, the company has shown a return on equity of about 6.1% and a net profit margin of around 13%, with a market capitalization of approximately $50 million. The bank has a strong community presence, having been a local institution for nearly a century, and continues to emphasize personal service and local decision-making. It holds a price-to-earnings ratio of about 14.4 and trades at a discount to book value, reflecting its status as a small regional bank. Broadstreet Bank maintains a low-cost deposit base and a balanced loan portfolio, with a focus on mortgage and commercial real estate lending. The company's philosophy revolves around building lasting relationships with customers and supporting the economic growth of the communities it serves. With a history of stability and a commitment to adapting to modern banking technologies, TCBS aims to combine traditional values with contemporary convenience for its clientele.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$25.6M
+22.7%
+4.6%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$2.8M
+317.8%
+16.0%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+60.9%
+17.7%
-0.1%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+13.2%
+253.9%
+14.8%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+11.1%
+277.5%
+10.9%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$973000
+31.5%
+1873.6%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+3.8%
+7.1%
+1795.9%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
85.0%
-11.2%
+9.8%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.16x
-41.5%
—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
