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Texas Community Bancshares, Inc.

TCBSNASDAQFinancialsBanks - Regional

$17.26Today:- (-)1Y +7.88%

As of Oct 15, 2026 close

Market cap
$47.34M
P/E (TTM)
14.23
Forward P/E
10.30
Dividend yield
1.45%
52-week range
$15.72$20.00
Volume (live)
-
Avg. volume (3M)
2.71K

Texas Community Bancshares (TCBS) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Texas Community Bancshares generated $1.37M of operating cash flow and spent $394.00K on capital expenditures. That left free cash flow of $973.00K, up 31.5% from $740.00K a year earlier, or 3.8% of revenue. It returned $3.76M to shareholders through $593.00K in dividends and $3.16M in share buybacks.

Texas Community Bancshares Cash Flow Statement Analysis

Values in millions USD

Income StatementBalance SheetCash FlowRatios
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Cash flow statement showing operating, investing, and financing activities for Texas Community Bancshares, Inc. (TCBS) - Annual data in millions USD
BreakdownFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019
Period endingDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019
Operating Activities
Net Income2.84-1.31-0.731.750.520.751.06
Depreciation & Amortization0.590.570.420.430.440.430.42
Deferred Income Tax0.41-0.48-0.230.03-0.19-0.130.14
Stock Based Compensation0.860.980.720.300.200.000.00
Change in Working Capital-3.41-1.700.260.150.410.110.29
Change in Accounts Receivable0.03-0.19-0.40-0.400.03-0.13-0.07
Change in Other Working Capital-0.65-0.09-0.16-0.15-0.110.240.36
Other Operating Activities-0.65-0.091.27-0.15-0.110.750.19
Net Cash from Operating Activities1.371.942.293.131.761.912.10
Investing Activities
Capital Expenditures-0.39-1.20-5.60-0.39-0.14-0.81-0.07
Purchases of Investments-53.72-19.39-12.40-75.29-93.23-32.40-16.65
Sales/Maturities of Investments75.2042.3228.0122.3548.5734.7820.22
Other Investing Activities-13.41-12.92-41.16-18.89-8.00-31.49-24.90
Net Cash from Investing Activities7.688.80-31.15-72.18-52.80-29.91-21.40
Financing Activities
Debt Repayment-20.26-32.07-18.80-157.58-5.80-0.377.60
Common Stock Issued0.000.000.000.0030.890.000.00
Common Stock Repurchased-3.16-1.58-2.200.000.000.000.00
Dividends Paid-0.59-0.50-0.370.000.000.000.00
Other Financing Activities-7.9218.5921.1621.1439.7930.926.56
Net Cash from Financing Activities-15.89-10.5133.0056.0764.8830.5414.17
Summary
Net Change in Cash-6.840.234.13-12.9913.842.54-5.14
Cash at Beginning of Period13.2913.068.9321.928.075.5310.67
Cash at End of Period6.4513.2913.068.9321.928.075.53
Free Cash Flow0.970.74-3.312.741.621.112.02
Supplemental Disclosures
Interest Paid-9.927.732.082.172.54-
Income Taxes Paid-0.020.120.350.320.29-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Texas Community Bancshares Cash Flow

What is Texas Community Bancshares's free cash flow?

Texas Community Bancshares generated free cash flow of $973.00K in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $1.37M minus $394.00K of capital expenditures. That was up 31.5% from $740.00K a year earlier. Free cash flow equaled 3.8% of revenue.

How much does Texas Community Bancshares spend on capital expenditures?

Texas Community Bancshares spent $394.00K on capital expenditures in fiscal 2025, compared with $1.20M a year earlier. That equals 28.8% of operating cash flow.

Does Texas Community Bancshares pay dividends or buy back shares?

Yes. In fiscal 2025 Texas Community Bancshares returned $593.00K in dividends and $3.16M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition