What is the 13F Pro Quality Score for TCBS?

13F Pro ranks Texas Community Bancshares, Inc. (TCBS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TCBS's current score at https://13fpro.ai/company/TCBS (free sign-up required for the full ranking).

Where does 13F Pro source TCBS data?

All Texas Community Bancshares, Inc. fundamentals and ownership data come directly from SEC EDGAR. Texas Community Bancshares, Inc. files with the SEC under CIK 1849466. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TCBS in?

Texas Community Bancshares, Inc. (TCBS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives TCBS's revenue?

Per Texas Community Bancshares, Inc.'s latest 10-Q filed with the SEC on 2026-08-11, the biggest revenue drivers are: Interest income on loans ($4.9M, +15.3% YoY); Interest income on securities ($0.8M, -23.8% YoY); Interest income on deposits in banks and fed funds ($0.1M, -37.6% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/TCBS.

What are TCBS's largest expenses?

Texas Community Bancshares, Inc.'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($1.6M, +4.5% YoY); Data processing ($0.3M, +20.1% YoY); Occupancy and equipment ($0.3M, +15.4% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is TCBS research updated on 13F Pro?

TCBS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Texas Community Bancshares, Inc.(TCBS)Stock Analysis

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13F Pro Quality Score

53.3/100

Rank #1,399 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

89.5/100

Profitability

82.0/100

Balance Sheet

39.5/100

Earnings Quality

65.7/100

Free Cash Flow

62.4/100

Institutional Flow

24.6/100

Revenue Scale

3.3/100

Dilution Risk

29.1/100

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Why TCBS Scores 53/100

exact factor attribution · 2026-09-11

TCBS's composite is driven by revenue growth and profitability, held back by scale and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.5 pts

90th pct

Profitability

+6.4 pts

82th pct

Free cash flow

+1.9 pts

62th pct

Earnings quality

+1.6 pts

66th pct

Earnings growth

+0.2 pts

53th pct

Shareholder dilution

-1.4 pts

29th pct

Capital efficiency

-1.4 pts

40th pct

Institutional flow

-1.7 pts

25th pct

Scale

-9.3 pts

3th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

TCBS Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Texas Community Bancshares, Inc. (TCBS), a Financials sector company. 13F Pro's AI-powered ranking engine scores TCBS at 53.3/100 on a 32-signal composite quality model, placing it at rank #1,399 of 2,962 stocks — the top half of the AI-ranked universe. TCBS scores in the top quartile across revenue growth (89.5), profitability (82.0). Areas of concern include revenue scale (3.3) and institutional flow (24.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 29.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Texas Community Bancshares, Inc. reports quarterly revenue of $4.4M, net income of $970.0K, an operating margin of 26.0%. Top institutional holders of TCBS by reported 13-F value include ALLIANCEBERNSTEIN L.P., VANGUARD CAPITAL MANAGEMENT, Oppenheimer & Close, based on the most recent SEC filings. TCBS trades on the Nasdaq exchange and files with the SEC under CIK 1849466. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TCBS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Texas Community Bancshares, Inc. directly from SEC EDGAR. Texas Community Bancshares, Inc.'s 13F Pro composite quality score has ranged between 31 and 53 since 2026, currently 53.3 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving TCBS's Business? Latest 10-Q Breakdown

✓ 22/22 datapoints verified

AI-extracted from Texas Community Bancshares, Inc.'s 10-Q filed 2026-08-11 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 43% YoY to $970K in Q2 2026, driven by 16% net interest income growth to $3.7M as loan yields and volumes improved.

Biggest Revenue Drivers

Interest income on loans$4.9M+15.3% YoY

Increased average loan balances of $10.1M and higher loan yield of 66 basis points, driven by commercial loan portfolio expansion.

Interest income on securities$0.8M-23.8% YoY

Decline from lower average security balances following fourth quarter 2025 sales and faster paydowns of higher-yielding securities.

Biggest Revenue Drivers

Total revenue: $5.8M+6.4% YoY

Interest income on loans$4.9M+15.3% YoY

Increased average loan balances of $10.1M and higher loan yield of 66 basis points, driven by commercial loan portfolio expansion.

Interest income on securities$0.8M-23.8% YoY

Decline from lower average security balances following fourth quarter 2025 sales and faster paydowns of higher-yielding securities.

Interest income on deposits in banks and fed funds$0.1M-37.6% YoY

Decreased balances and lower yields from reduced fed funds rates.

Largest Expense Items

Salaries and employee benefits$1.6M+4.5% YoY

Annual salary increases, related payroll taxes, and accelerated vesting of stock option expense recorded in Q2 2026.

Data processing$0.3M+20.1% YoY

Increase in fees paid to bank core processor.

Occupancy and equipment$0.3M+15.4% YoY

Higher property taxes, depreciation, and expenses for new administrative office lease.

Margins: Net interest margin improved 60 basis points YoY to 3.69% in Q2 2026, driven by higher loan yields and volumes, lower deposit costs, and reduced FHLB advances. The margin expansion reflects management's continued focus on loan portfolio diversification and disciplined pricing.

Watch Items from the Filing

Uninsured deposits of $48.9M (14.4% of total deposits) across 193 accounts with balances exceeding FDIC limit of $250K, including $13.5M in CDs and $35.4M in transaction/savings accounts.
Securities portfolio unrealized losses of $5.6M (7.0% of portfolio, 9.6% of capital) primarily from interest rate increases; $29.9M (37.4%) is agency-guaranteed.
Commercial real estate loans (65.4M, 20.6% of portfolio) include $6.0M past due on two relationships; one matured and renewed, other under contract for sale.
Other real estate owned declined to $9.1M consisting of one multifamily property (90%+ occupied, generating $340K revenue YTD) and two development properties under active marketing.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$4.4M

Net Income

Q2 2026

$970.0K

Free Cash Flow

Q2 2026

$786.0K

Operating Margin

Q2 2026

26.0%

ROIC

Q2 2026

8.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

$16.4MFY 2025

FY22 $12.2MFY23 $11.4MFY24 —FY25 $16.4M

Net Income

+317.8% YoY

$2.8MFY 2025

FY22 $1.8MFY23 $-733.0KFY24 $-1.3MFY25 $2.8M

EPS (Diluted)

+327.3% YoY

$1.00FY 2025

FY22 $0.58FY23 $-0.24FY24 $-0.44FY25 $1.00

Total Assets

-3.1% YoY

$429.8MFY 2025

FY22 $417.3MFY23 $452.0MFY24 $443.5MFY25 $429.8M

Op. Cash Flow

-29.6% YoY

$1.4MFY 2025

FY22 $3.1MFY23 $2.3MFY24 $1.9MFY25 $1.4M

Free Cash Flow

+31.5% YoY

$973.0KFY 2025

FY22 $2.7MFY23 $-3.3MFY24 $740.0KFY25 $973.0K

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$16.4M	—	$11.4M -6.0%	$12.2M +19.9%	$10.1M +2.9%	$9.8M
Net Income	$2.8M +317.8%	$-1.3M -78.0%	$-733.0K -141.8%	$1.8M +238.6%	$518.0K -30.8%	$749.0K
EPS (Diluted)	$1.00 +327.3%	$-0.44 -83.3%	$-0.24 -141.4%	$0.58 +241.2%	$0.17	—
Total Assets	$429.8M -3.1%	$443.5M -1.9%	$452.0M +8.3%	$417.3M +14.4%	$364.8M +21.8%	$299.6M
Operating Cash Flow	$1.4M -29.6%	$1.9M -15.2%	$2.3M -26.9%	$3.1M +78.1%	$1.8M -8.1%	$1.9M
Free Cash Flow	$973.0K +31.5%	$740.0K +122.3%	$-3.3M -221.1%	$2.7M +68.9%	$1.6M +46.6%	$1.1M

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Available Research

13F Pro tracks comprehensive data for Texas Community Bancshares, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TCBS

ALLIANCEBERNSTEIN L.P.
$3.1M175,743 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.0M57,909 sh
Oppenheimer & Close, LLC
$958.9K54,485 sh
EP Wealth Advisors, LLC
$927.1K52,677 sh
Fourthstone LLC
$370.2K20,894 sh
GEODE CAPITAL MANAGEMENT, LLC
$340.6K19,343 sh
VANGUARD FIDUCIARY TRUST CO
$227.3K12,916 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$205.8K11,692 sh
BlackRock, Inc.
$136.4K7,751 sh
Vanguard Global Advisers, LLC
$23.9K1,360 sh

Fund	Value	Shares
ALLIANCEBERNSTEIN L.P.	$3.1M	175,743
VANGUARD CAPITAL MANAGEMENT LLC	$1.0M	57,909
Oppenheimer & Close, LLC	$958.9K	54,485
EP Wealth Advisors, LLC	$927.1K	52,677
Fourthstone LLC	$370.2K	20,894
GEODE CAPITAL MANAGEMENT, LLC	$340.6K	19,343
VANGUARD FIDUCIARY TRUST CO	$227.3K	12,916
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$205.8K	11,692
BlackRock, Inc.	$136.4K	7,751
Vanguard Global Advisers, LLC	$23.9K	1,360

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Is TCBS a good stock to buy?

13F Pro's AI-powered analysis of Texas Community Bancshares, Inc. (TCBS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TCBS are available on the TCBS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. TCBS is classified as a small company.

Which hedge funds own TCBS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TCBS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Texas Community Bancshares, Inc.'s investment landscape.