How profitable is Texas Community Bancshares Inc. (TCBS)?

In FY 2025 (10-K), TCBS converted $180.5M of revenue into a 52% gross margin, 0% operating margin, and $973000 in free cash flow (0.5% FCF margin).

Stock Ratings / Financials / TCBS / financials

MBBC (56) FNWB (32) BSBK (56) WSBK (53) ⌘ Pro Terminal →

Texas Community Bancshares Inc. (TCBS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$17.25 -0.17% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.21

Texas Community Bancshares Inc. (TCBS) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $49.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TCBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Texas Community Bancshares Inc. (NASDAQ: TCBS) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $17.25 (-0.17% 1D, market cap $49.6M). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, TCBS ranks #536 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TCBS compare to MBBC and FNWB in the Financials sector?

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Within the Financials sector (Banks), TCBS carries a Roarable D+ (55/100 RQD), trailing P/E of 17.5x, gross margin of —, and ROIC of 5.3%. By comparison, MBBC (Marathon Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $43.7M) and FNWB (First Northwest Bancorp) posts a E grade (32/100 RQD, P/E N/A, ROIC -2.7%, cap $97.3M). Among the 5-stock peer group, TCBS leads on earnings multiple (17.5x) while TCBS leads on capital efficiency (5.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TCBS?

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Per TCBS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001849466), Texas Community Bancshares Inc. generated $180.5M in revenue (-3.1% YoY), $2.8M in net income, and $973.0K in free cash flow against $429.8M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $17.21 (-0.22%)🧬 Disciplined Float (-0.04% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE-1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TCBS)Realized 20D OHLCV Swing Band: ±1.8%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY TCBS SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (27% of score)

FRED Regime × Technicals: 36% of 52W Range • RSI-14 at 57 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 0% operating margin leave 15 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$17.00-0.3% Next Q

Q2 (-2Q)

Grade C-$16.95+0.8% Next Q

Q3 (-1Q)

Grade C-$17.08+1% Next Q

Current

Grade D+$17.25-0.5% Hist 90D α

Trajectory: D (47) → D+ (55)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TCBS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, TCBS faces multiple-compression risk if 17.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.04% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.19) or 200D SMA ($17.15) invalidates the momentum regime and cuts Target Base ($17.02) toward Bear Floor ($13.28).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TCBS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TCBS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 55%NO 45%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How TCBS Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$973.0K (0.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $8.9M

FY24

Rev $186.3M

FY25

Rev $180.5M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$180.5M	52%	0%	$2.8M	$973.0K	5.3%
FY 2024	$186.3M	52%	0%	-$1.3M	$740.0K	5.3%
FY 2023	$8.9M	44.4%	0%	-$733.0K	$2.3M	5.3%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TCBS)

✓Walkthrough of TCBS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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TCBS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.98%📐 HORIZONTAL RANGE

2026-11-03O $17.28H $17.28L $17.25C $17.25VOL 177

RES: $17.84SUP: $16.85SMA50: $17.19SMA200: $17.15

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TCBS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TCBS Butterfly Map → + Track TCBS →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

10.5%/yr Implied 5Y Growth

vs. -3.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TCBS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TCBS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TCBS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TCBS)

Financials Rank #536 of 1097 ⚔️ MBBC vs TCBS Full Matrix →

1. Head-to-Head Financials Peer Comparison (TCBS vs. MBBC, FNWB, BSBK, WSBK)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Texas Community Bancshares Inc. (TCBS) ranks #536 by composite RQD confidence (55/100, grade D+) and #1009 by equity capitalization ($49.6M). Within this direct 5-issuer industry benchmark cohort, TCBS leads on earnings valuation at 17.5x trailing P/E, while TCBS leads on capital efficiency and profitability with 5.3% ROIC and — gross margin. MBBC currently holds the highest overall quantitative score in the immediate peer group at 56/100 (D+) compared with TCBS at 55/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TCBS ACTIVE Texas Community Bancshares Inc.	D+	55/100	17.5x	—	5.3%	-0.17%	$49.6M	Benchmark Subject
MBBC Marathon Bancorp Inc.	D+	56/100	—	—	0.1%	0.00%	$43.7M	/mbbc-vs-tcbs →
FNWB First Northwest Bancorp	E	32/100	—	—	-2.7%	+0.68%	$97.3M	/fnwb-vs-tcbs →
BSBK Bogota Financial Corp.	D+	56/100	56.3x	—	1.5%	+1.64%	$116.5M	/bsbk-vs-tcbs →
WSBK Winchester Bancorp Inc.	D+	53/100	—	—	-0.7%	+0.75%	$124.0M	/wsbk-vs-tcbs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001849466 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Texas Community Bancshares Inc. (TCBS) reported GAAP revenue of $180.5M (-3.1% vs. FY2024 revenue of $186.3M , and +1920.4% cumulative change since FY2023) , GAAP net income of $2.8M, operating cash flow of $1.4M, and free cash flow of $973.0K (+31.5% YoY). On the balance sheet, TCBS closed FY2025 with $429.8M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$180.5M	$2.8M	$1.4M	$973.0K	$429.8M	—
FY2024 (FY)	2024-12-31	$186.3M	-$1.3M	$1.9M	$740.0K	$443.5M	—
FY2023 (FY)	2023-12-31	$8.9M	-$733.0K	$2.3M	$2.3M	—	—

3. TCBS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TCBS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does TCBS compare to MBBC and FNWB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for TCBS?

Where is TCBS trading relative to its 50-day, 200-day, and 52-week technical levels?

TCBS last traded at $17.25 (-0.17% on volume of 1,452 shares), positioning the stock +0.35% above its 50-day simple moving average ($17.19) and +0.58% above its 200-day simple moving average ($17.15). Across its 52-week range of $15.72 to $20.00, TCBS sits at the 35.7% percentile with a 14-day RSI of 57.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±1.8% ($16.94 to $17.56).

Direct Sub-Reports: TCBS RQD Cockpit TCBS 12M Forecast TCBS Earnings & Move TCBS Dividends & DRIP TCBS Insiders & 13F TCBS Whale Options TCBS Profit Sankey TCBS News & Why

ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ SEC XBRL & RQD VERIFIED

TCBS — Texas Community Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Texas Community Bancshares Inc. (TCBS) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $17.25 (-0.17% 1D, market capitalization $49.6M).

Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of 5.3%, gross margin of —, operating margin of —, and free cash flow yield of 1.96%.
Whale 13F & Options Flow (10/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. Is a NASDAQ-listed issuer in the Financials sector, Banks industry. Per the Butterfly graph, no supply-chain relationships are mapped. The profile's stated market capitalization is $0.0B, which conflicts with the $49.6M figure in market data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Texas Community Bancshares Inc. (TCBS) reported $180.5M in annual revenue (up from $186.3M in FY2024, -3.1% YoY) and $2.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($8.9M revenue, -$733.0K net income) through FY2025, TCBS scaled operating cash flow to $1.4M and free cash flow to $973.0K, backed by $429.8M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D+ • RQD 55/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 1.96% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 5/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $15.72 – $20.00 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 17.5x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Banks (Financials), TCBS carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can TCBS sustain or expand its — operating margin and 5.3% ROIC against Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $180.5M and free cash flow of $973.0K, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is TCBS's 16.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

TCBS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Texas Community Bancshares Inc. (TCBS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TCBS Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 1d ago

2 Outperform Microcaps that Look Undervalued

Yahoo Finance report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Texas Community Bancshares, Inc. Estimates – NASDAQ:TCBS

TradingView report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Texas Community Bancshares (TCBS) Announces Cash Merger with The

GuruFocus report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com Canada • 1d ago

Form 8K Texas Community Bancshares Inc For: 30 October By Investing.com

Investing.com Canada report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 2d ago

Texas Community Bancshares, Inc. entered into a definitive merger agreement to acquire The Bank of San Jacinto County, Coldspring, Texas for $9.5 million.

www.marketscreener.com report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 2d ago

A bank with $35.3M in deposits as of June 30, 2026 is Texas Community Bancshares (TCBS)’s acquisition target.

Stock Titan report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 2d ago

How Texas Community Bancshares Inc. (TCBS) Affects Rotational Strategy Timing

Stock Traders Daily report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 2d ago

Texas Community Bancshares, Inc. (TCBS) To Acquire SJCB For $9.5M Cash

TradingView report covering Texas Community Bancshares Inc. (TCBS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TCBS Bull vs. Bear Conversation Board — What's Your Call at $17.25?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TCBS 🐻 33% BEARISH CONVICTION

DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $20.39 (+18.0%)

📌 Pinned Debate

Net income swung to $2.8M in FY 2025 from losses in the two prior years while the stock trades near its 52-week low at a 1.19% dividend

Here is why I am bullish on TCBS here at $17.28: Net income swung to $2.8M in FY 2025 from losses in the two prior years while the stock trades near its 52-week low at a 1.19% dividend yield.. Compare TCBS's 0.0% operating margin and 5.3% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $16.42 are getting bought.

SectorRotator 🐂 BULL

@DeltaGamma_99 Agree on the RQD 55/100 quality, though with 1.0 beta I'm scaling in with half-size at $17.28 and keeping dry powder in case we test $16.07.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $13.82 (-20.0%)

Spot @ $17.28

The Fundamental Cash Engine pillar scores only 5 of 20, with ROIC of 5.3% and FCF yield of 1.96%, and no reported revenue or operating

I respect the product at Texas Community Bancshares Inc., but the stock at $17.28 is a different story. The Fundamental Cash Engine pillar scores only 5 of 20, with ROIC of 5.3% and FCF yield of 1.96%, and no reported revenue or operating income in any period.. FCF yield is 1.96% and RQD sits at 55/100 (D+) — why pay up here when you can wait for next quarter's numbers?