Texas Community Bancshares, Inc.(TCBS)Stock Analysis
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Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 11 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
TCBS Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Texas Community Bancshares, Inc. (TCBS), a Financials sector company. TCBS is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 11 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), Texas Community Bancshares, Inc. reports quarterly revenue of $4.1M, net income of $836.0K, an operating margin of 23.1%. 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.
Revenue
Q1 2026
$4.1M
Net Income
Q1 2026
$836.0K
Free Cash Flow
Q1 2026
$-178.0K
Operating Margin
Q1 2026
23.1%
ROIC
Q1 2026
1.8%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+317.8% YoYEPS (Diluted)
+327.3% YoYTotal Assets
-3.1% YoYOp. Cash Flow
-29.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 |
|---|---|---|---|---|---|
| Net Income | $2.8M +317.8% | $-1.3M -78.0% | $-733.0K -141.8% | $1.8M +134.2% | $749.0K |
| EPS (Diluted) | $1.00 +327.3% | $-0.44 -83.3% | $-0.24 -141.4% | $0.58 | — |
| Total Assets | $429.8M -3.1% | $443.5M -1.9% | $452.0M +8.3% | $417.3M +39.3% | $299.6M |
| Operating Cash Flow | $1.4M -29.6% | $1.9M -15.2% | $2.3M -26.9% | $3.1M +63.7% | $1.9M |
AI Insight: TCBS Financial Trends
Texas Community Bancshares maintains flat $1M quarterly net income but shows volatile operating cash flow swings from -$2M to +$2M.
• Net income remained steady at $1M across all eight quarters from Q2 2024 to Q1 2026.
• Equity grew modestly from $52M in Q2 2024 to $54M in Q1 2026.
⚠ Operating cash flow remains highly volatile, swinging from -$2M in Q1 2025 to +$2M in Q3 2025 and Q1 2026.
⚠ Missing revenue and debt data limits assessment of core banking performance trends.
AI Insight: TCBS Ratio Trends
Texas Community Bancshares shows consistent profitability improvement with ROE more than doubling from 2.7% to 6.2% over two years.
• ROE expanded from 2.7% in Q2 2024 to 6.2% in Q1 2026, showing sustained profitability gains.
• ROA increased from 0.3% in Q2 2024 to 0.8% in Q1 2026, indicating improving asset efficiency.
• ROIC rose from 3.1% in Q2 2024 to 7.0% in Q1 2026, demonstrating better capital deployment.
⚠ ROE and ROIC both declined slightly from Q4 2025 peaks to Q1 2026.
⚠ TTM ROE of 5.6% trails the latest quarter's 6.2%, suggesting recent acceleration in returns.
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Top Institutional Holders of TCBS
ALLIANCEBERNSTEIN L.P.
$3.0M168,109 shVANGUARD CAPITAL MANAGEMENT LLC
$993.6K56,746 shOppenheimer & Close, LLC
$954.0K54,485 shEP Wealth Advisors, LLC
$922.4K52,677 shFourthstone LLC
$365.9K20,894 shGEODE CAPITAL MANAGEMENT, LLC
$310.9K17,751 shVANGUARD FIDUCIARY TRUST CO
$224.7K12,830 shNORTHERN TRUST CORP
$218.4K12,474 shSUSQUEHANNA INTERNATIONAL GROUP, LLP
$201.5K11,510 shBlackRock, Inc.
$101.8K5,811 sh
| Fund | Value | Shares |
|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $3.0M | 168,109 |
| VANGUARD CAPITAL MANAGEMENT LLC | $993.6K | 56,746 |
| Oppenheimer & Close, LLC | $954.0K | 54,485 |
| EP Wealth Advisors, LLC | $922.4K | 52,677 |
| Fourthstone LLC | $365.9K | 20,894 |
| GEODE CAPITAL MANAGEMENT, LLC | $310.9K | 17,751 |
| VANGUARD FIDUCIARY TRUST CO | $224.7K | 12,830 |
| NORTHERN TRUST CORP | $218.4K | 12,474 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $201.5K | 11,510 |
| BlackRock, Inc. | $101.8K | 5,811 |
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Popular Research
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.
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.