TCBS - NASDAQ
Texas Community Bancshares, Inc.
$17.34
-0.21%Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, cards, online banking, and mobile banking services. The company was founded in 1934 and is headquartered in Mineola, Texas.
At a Glance
Live SnapshotTexas Community Bancshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
Texas Community Bancshares, Inc. Cash Flow Statement
TCBS • NASDAQ
| Texas Community Bancshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||
2.8M | -1.3M | -733K | 1.8M | 518K | 749K | 1.1M | |
-149K | 572K | 422K | 431K | 437K | 430.5K | 424.3K | |
405K | -476K | -232K | 25K | -188K | -130K | 143.4K | |
253K | 980K | 721K | 297K | 202K | 0.0 | 0.0 | |
1.4M | 3.9M | 1.9M | 477K | 382K | 750K | 186.9K | |
(0.0) | (21K) | (120K) | (350K) | (320K) | (0.0) | (0.0) | |
-3.4M | -1.7M | 256K | 145K | 406K | 111.6K | 285.9K | |
1.4M | 1.9M | 2.3M | 3.1M | 1.8M | 1.9M | 2.1M | |
INVESTING ACTIVITIES | |||||||
(0.0) | -1.2M | -5.6M | -393K | -137K | -806K | -73.2K | |
-169K | -19.4M | -12.4M | -75.3M | -93.2M | -32.4M | -16.6M | |
0.0 | 42.3M | 28M | 22.4M | 48.6M | 34.8M | 20.2M | |
7.9M | -12.9M | -41.2M | -18.9M | -8M | -31.5M | -24.9M | |
(7.7M) | (8.8M) | -31.2M | -72.2M | -52.8M | -29.9M | -21.4M | |
FINANCING ACTIVITIES | |||||||
-3.2M | -1.6M | -2.2M | 0.0 | 30.9M | 0.0 | 0.0 | |
-4.2M | -27M | 14.4M | 34.9M | -5.8M | -374K | 7.6M | |
-593K | -504K | -368K | (0.0) | (0.0) | (0.0) | (0.0) | |
-3.2M | -1.6M | -2.2M | (0.0) | (0.0) | (0.0) | (0.0) | |
-7.9M | 18.6M | 21.2M | 21.1M | 39.8M | 30.9M | 6.6M | |
-15.9M | -10.5M | 33M | 56.1M | 64.9M | 30.5M | 14.2M | |
CASH FLOW SUMMARY | |||||||
-6.8M | 230K | 4.1M | -13M | 13.8M | 2.5M | -5.1M | |
13.3M | 13.1M | 8.9M | 21.9M | 8.1M | 5.5M | 10.7M | |
6.5M | 13.3M | 13.1M | 8.9M | 21.9M | 8.1M | 5.5M | |
973K | 740K | -3.3M | 2.7M | 1.6M | 1.1M | 2M |
SEC Filings
TCBS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | April 16, 2026 | May 19, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 16, 2025 | December 16, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 02, 2025 | December 01, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 13, 2025 | November 10, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 07, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 01, 2025 | August 01, 2025 | 2025 | |
8-K 8-K 2025 N/A | May 21, 2025 | May 20, 2025 | 2025 | |
10-Q 10-Q 2025 Q1 Q1 | May 13, 2025 | March 31, 2025 | 2025 |
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