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Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 3.36M | -1.78M | -0.94M | 2.18M | 0.61M |
| Net income | 2.84M | -1.30M | -0.73M | 1.75M | 0.52M |
| Selling general administrative | 7.17M | 7.14M | 7.47M | 6.18M | 5.45M |
| Selling and marketing expenses | - | - | 5.67M | - | - |
| Gross profit | 15.56M | 10.78M | 11.06M | 12.14M | 10.13M |
| Reconciled depreciation | 0.59M | 0.57M | 0.42M | 0.43M | 0.44M |
| Ebit | 3.36M | -1.78M | -0.94M | 4.45M | 0.61M |
| Ebitda | 3.96M | -1.21M | -0.52M | 4.88M | 1.05M |
| Depreciation and amortization | 0.59M | 0.57M | 0.42M | 0.43M | 0.44M |
| Operating income | 3.36M | -1.78M | -0.94M | 4.45M | 0.61M |
| Other operating expenses | 22.21M | 22.62M | 20.27M | -7.70M | -9.52M |
| Interest expense | 9.18M | 9.90M | 7.91M | 2.28M | 2.12M |
| Tax provision | 0.52M | -0.48M | -0.04M | 0.42M | 0.09M |
| Interest income | 22.32M | 22.23M | 17.21M | 12.53M | 10.51M |
| Net interest income | 13.15M | 12.33M | 10.74M | 10.24M | 8.40M |
| Income tax expense | 0.52M | -0.48M | -0.20M | 0.42M | 0.09M |
| Total revenue | 25.57M | 20.84M | 19.33M | 12.14M | 10.13M |
| Total operating expenses | 12.20M | 12.56M | 12.00M | -7.70M | -9.52M |
| Cost of revenue | 10.01M | 10.06M | 8.27M | - | - |
| Total other income expense net | - | -0.29M | -0.00M | -2.27M | -2.12M |
| Net income from continuing ops | 2.84M | -1.30M | 0.01M | 1.75M | 0.52M |
| Net income applicable to common shares | - | - | - | - | 0.52M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 429.84M | 443.46M | 452.04M | 417.35M | 364.83M |
| Intangible assets | - | 0.13M | 0.27M | 0.40M | 0.54M |
| Other current assets | 0.23M | - | 25.52M | - | 221.20M |
| Total liab | 376.08M | 391.35M | 387.82M | 62.49M | 27.57M |
| Total stockholder equity | 53.76M | 52.11M | 53.69M | 55.87M | 60.13M |
| Other current liab | 327.90M | 335.83M | 231.33M | - | - |
| Common stock | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Capital stock | 0.03M | 0.03M | 0.03M | 0.03M | 0.03M |
| Retained earnings | 32.41M | 30.16M | 31.97M | 34.08M | 32.33M |
| Other liab | - | - | - | - | 0.19M |
| Other assets | - | 349.38M | - | 35.49M | 189.15M |
| Cash | 9.38M | 13.73M | 17.71M | 8.95M | 20.61M |
| Total current liabilities | 327.90M | 335.83M | 247.16M | - | 277.12M |
| Net debt | 36.28M | 36.14M | 59.19M | 53.54M | 6.96M |
| Short term debt | 13.15M | 3.80M | 15.83M | - | - |
| Short long term debt total | 45.67M | 49.88M | 76.90M | 62.49M | 27.57M |
| Other stockholder equity | 24.37M | 26.68M | 27.27M | 28.75M | 28.46M |
| Property plant equipment | - | - | - | - | 6.21M |
| Total current assets | 52.58M | 92.14M | 25.52M | 372.86M | 78.44M |
| Long term investments | 78.18M | 97.28M | 119.35M | 134.98M | 90.48M |
| Net tangible assets | - | - | - | - | 59.60M |
| Short term investments | 41.54M | 75.19M | 93.33M | 107.15M | 56.80M |
| Net receivables | 1.66M | 3.21M | 1.76M | 1.39M | 1.04M |
| Long term debt | 45.67M | 49.88M | 76.90M | 62.49M | 27.57M |
| Inventory | - | - | 11.30M | - | 0.21M |
| Accounts payable | - | - | - | - | 274.93M |
| Accumulated other comprehensive income | -3.06M | -4.77M | -5.59M | -7.00M | -0.69M |
| Non currrent assets other | 25.36M | 22.05M | 398.71M | -134.99M | -0.11M |
| Non current assets total | 377.26M | 351.32M | 426.52M | 9.00M | 97.23M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 21.49M | 8.80M | -60.21M | -72.18M | -45.60M |
| Change to liabilities | - | - | - | - | 0.00M |
| Total cashflows from investing activities | 7.68M | 8.80M | -31.15M | - | -52.80M |
| Net borrowings | -4.21M | -27.02M | 14.40M | - | -3.20M |
| Total cash from financing activities | -15.89M | -10.51M | 33.00M | 56.07M | 64.88M |
| Change to operating activities | - | - | - | - | 0.37M |
| Net income | 2.84M | -1.30M | -0.73M | 1.75M | 0.52M |
| Change in cash | -6.84M | 0.23M | 4.13M | -12.99M | 13.84M |
| Begin period cash flow | 13.29M | 13.06M | 8.93M | 21.91M | 8.07M |
| End period cash flow | 6.45M | 13.29M | 13.06M | 8.93M | 21.91M |
| Total cash from operating activities | 1.37M | 1.94M | 2.29M | 3.13M | 1.76M |
| Issuance of capital stock | - | - | - | 0.00M | 30.89M |
| Depreciation | -0.15M | 0.57M | 0.42M | 0.43M | 0.44M |
| Other cashflows from investing activities | -13.41M | -12.92M | -41.16M | - | -0.01M |
| Dividends paid | 0.59M | 0.50M | 0.37M | -0.03M | - |
| Change to account receivables | 0.03M | -0.19M | -0.40M | -0.40M | 0.03M |
| Sale purchase of stock | -3.16M | -1.58M | -2.20M | - | - |
| Other cashflows from financing activities | -7.92M | 18.59M | 21.16M | 213.67M | 39.79M |
| Change to netincome | - | - | - | - | 0.40M |
| Capital expenditures | 0.39M | 1.20M | 5.60M | 0.39M | 0.14M |
| Change in working capital | -3.41M | -1.70M | 0.26M | 0.14M | 0.41M |
| Stock based compensation | 0.25M | 0.98M | 0.72M | 0.30M | 0.20M |
| Other non cash items | 1.43M | 3.87M | 1.85M | 0.48M | 0.38M |
| Free cash flow | 0.97M | 0.74M | -3.31M | 2.74M | 1.62M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| TCBS Texas Community Bancshares Inc |
0.18 1.05% |
17.28 | 14.17 | - | 2.98 | 0.91 | 5.56 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Texas Community Bancshares, Inc. operates as the bank holding company for Broadstreet Bank, SSB that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. The company offers deposit accounts, including checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. It also originates one- to four-family residential mortgage loans, commercial real estate, multi-family, construction and land, automobiles, recreational and all-terrain vehicles, boats, agricultural, construction and land loan, balloon, and commercial loans. The company was founded in 1934 and is headquartered in Mineola, Texas.
215 West Broad Street, Mineola, TX, United States, 75773
903 569 2602
61
| Name | Title | Year Born |
|---|---|---|
| Mr. James H. Herlocker III | Chairman, Pres & CEO | 1953 |
| Ms. Julie Sharff CPA | Chief Financial Officer | 1967 |
| Ms. Sheree A. Mize | Corp. Sec. & Director | 1958 |
| Ms. Terri Baucum | Sr. VP & Chief Lending Officer | 1974 |
| Mr. Haskell Strange | Sr. VP & COO | 1967 |
| Ms. Sofia Gurrusquieta | Compliance Officer, BSA Officer & CRA Officer | 1994 |
| Ms. Brittany Bessonett | Sr. VP & Marketing Director | 1977 |
| Mr. Clinton Yarbrough | Sr. VP | 1964 |
| Ms. Michelle Countryman | Sr. VP & Branch Mang. of Grand Saline | NA |
| Mr. Charles Rand | Sr. VP & Branch Mang. of Lindale | NA |
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Basic Materials
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Communication Services
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Consumer Cyclical
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Consumer Defensive
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Energy
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Financial Services
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