Texas Community Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Texas Community Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than almost all Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than almost all Financial Services companies in United States.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
$26Sales grew 35% in 3 years; of every extra $100 of sales, $26 became extra profit.
Higher than 52% of Financial Services companies in United States.
Asset Productivity Ratio
+35% / +3%In 3 years sales changed by +35% while total assets changed by +3%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than almost all Financial Services companies in United States.
Tangible Net Worth Ratio
100%Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than almost all Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Texas Community Bancshares, Inc. owes $0.88 for every $1 it owns. Texas Community Bancshares, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
14.2Investors pay $14.2 for every $1 of Texas Community Bancshares, Inc.'s yearly profit, higher than 61% of Financial Services companies in United States.
P/B ratio
0.89The share price is 0.89 times Texas Community Bancshares, Inc.'s book value per share, lower than 78% of Financial Services companies in United States.
Market cap
$49 MThe total market value of all of Texas Community Bancshares, Inc.'s shares at today's price (share price × number of shares), smaller than 95% of Financial Services companies in United States. PosiCap size class: Micro Cap.
Net worth (book value)
$55 MWhat Texas Community Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.22Net worth divided by the number of shares. The share price of $17.20 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
6.2%Texas Community Bancshares, Inc. earned 6.2% on its shareholders' money over the last year, lower than 72% of Financial Services companies in United States.
Owes vs Owns
0.88×Texas Community Bancshares, Inc. owes $0.88 for every $1 it owns (high), higher than 63% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.40%Texas Community Bancshares, Inc. pays 1.40% of its share price as dividends a year, lower than 82% of dividend-paying Financial Services companies in United States.
Revenue growth
+50%Revenue rose 50% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
Back to profitTexas Community Bancshares, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
17.3%Texas Community Bancshares, Inc. keeps $17 of every $100 of revenue as net profit.
Questions
What is Texas Community Bancshares, Inc.'s P/E ratio?
Investors pay $14.2 for every $1 of Texas Community Bancshares, Inc.'s yearly profit, higher than 61% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Texas Community Bancshares, Inc.: $49 M ÷ $55 M (30 Jun 2026) = 0.9.
What is Texas Community Bancshares, Inc.'s return on equity?
Texas Community Bancshares, Inc. earned 6.2% on its shareholders' money over the last year, lower than 72% of Financial Services companies in United States.
How much does Texas Community Bancshares, Inc. owe compared with what it owns?
Texas Community Bancshares, Inc. owes $0.88 for every $1 it owns (high), higher than 63% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Texas Community Bancshares, Inc. pay a dividend?
Yes. Texas Community Bancshares, Inc. pays 1.40% of its share price as dividends a year, lower than 82% of dividend-paying Financial Services companies in United States.
Is Texas Community Bancshares, Inc.'s revenue growing?
Revenue rose 50% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.