Texas Community Bancshares Inc
TCBSFinancial·Banks - Regional·USA·Nano·NASD·Nov 11 • 3:58 PM ET
17.30+0.05 (0.29%)
2026-11-12 02:50 CET
Market cap
49.55 USD m
Revenue, TTM
- USD m
Net income, TTM
3.18 USD m
Free cash flow, TTM
1.82 USD m
EPS diluted, TTM
1.15
P/E
15.11
Price
TCBS against its 20, 50 and 200-day averages2050200
13.5% under the 52-week high of 20.00 on 26 Dec 2025. 52-week low 15.72 on 4 Sep 2025. Last 15 sessions, 3.6% high to low
Volume 0.05× normal · the line is the 50-bar volume average
Profile
TCBS52-week range, 37% of the way up
15.7220.00
Texas Community Bancshares, Inc. operates as a bank holding company. It operates through the Mineola Community Bank. The company was founded in March 2021 and is headquartered in Mineola, TX.
| Employees | 61 |
|---|---|
| IPO | Jul 16, 2021 |
| Beta | -0.01 |
| ATR, 14d | 0.17 |
| Rel volume | 0.05 |
| Short float | 0.14% |
| Insider own | 25.97% |
| Inst own | 14.49% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 49.69M |
| Enterprise Value | - |
| Income | 3.18M |
| Sales | 25.79M |
| Book/sh | 19.05 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.22 (1.27%) |
| Dividend Ex-Date | Sep 08, 2026 |
| Dividend Gr. 3/5Y | - - |
| Payout | 17.08% |
| Employees | 61 |
| IPO | Jul 16, 2021 |
Ratios
| P/E | 15.11 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.93 |
| P/B | 0.91 |
| P/C | - |
| P/FCF | 27.30 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.67 |
| Debt/Eq | 0.54 |
| LT Debt/Eq | 0.54 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.15 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 19.78% 44.92% |
| Sales past 3/5Y | 21.02% 15.65% |
| EPS Y/Y TTM | 33.79% |
| Sales Y/Y TTM | 2.23% |
| EPS Q/Q | -17.87% |
| Sales Q/Q | -6.79% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 25.97% |
|---|---|
| Insider Trans | 2.21% |
| Inst Own | 14.49% |
| Inst Trans | -0.43% |
| ROA | 0.72% |
| ROE | 5.87% |
| ROIC | 3.78% |
| Gross Margin | - |
| Oper. Margin | 14.34% |
| Profit Margin | 12.32% |
| SMA20 | 0.96% |
| SMA50 | 0.60% |
| SMA200 | 1.26% |
| Trades | - |
Technical
| Shs Outstand | 2.87M |
|---|---|
| Shs Float | 2.13M |
| Short Float | 0.14% |
| Short Ratio | 1.07 |
| Short Interest | 0.00M |
| 52W High | 20.00 -13.50% |
| 52W Low | 15.72 10.05% |
| Volatility | 0.93% 0.72% |
| ATR (14) | 0.17 |
| RSI (14) | 56.46 |
| Beta | -0.01 |
| Rel Volume | 0.05 |
| Avg Volume | 2.78K |
| Volume | 141 |
Performance
| Perf Week | 0.58% |
|---|---|
| Perf Month | 1.76% |
| Perf Quarter | -0.17% |
| Perf Half Y | 2.85% |
| Perf YTD | -3.73% |
| Perf Year | 8.82% |
| Perf 3Y | 38.55% |
| Perf 5Y | 11.82% |
| Perf 10Y | - |
| Recom | - |
| Target Price | - |
| Prev Close | 17.25 |
| Price | 17.30 |
| Change % | 0.29% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| HFBL | Home Federal Bancorp Inc (Louisiana) | 72.73M |
| CLST | Catalyst Bancorp Inc | 69.96M |
| FDSB | Fifth District Bancorp Inc | 91.99M |
| KFFB | Kentucky First Federal Bancorp | 47.50M |
| CPBI | Central Plains Bancshares Inc | 85.57M |
| MBBC | Marathon Bancorp Inc | 43.61M |
| TCBX | Third Coast Bancshares Inc | 666.41M |
| SPFI | South Plains Financial Inc | 811.20M |
| RRBI | Red River Bancshares Inc | 685.15M |
| BSVN | Bank7 Corp | 632.85M |
Insider trading
3 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Scavuzzo Anthony | Director | Jun 10 '26 | Buy | 17.25 | 20,000 | 345,000 | 106,065 | Jun 11 03:17 PM |
| Sobel Jason | President and CEO | Jun 10 '26 | Sale | 17.25 | 2,100 | 36,226 | 18,190 | Jun 11 03:17 PM |
| Strange Haskell | SVP and COO | Jun 10 '26 | Sale | 17.25 | 1,765 | 30,448 | 4,819 | Jun 11 03:12 PM |
Held by
AUMNews
latest 14 of 54- TEXAS COMMUNITY BANCSHARES, INC. AND THE BANC OF SAN JACINTO COUNTY BANCSHARES, INC., THE PARENT OF THE BANK OF SAN JACINTO COUNTY, COLDSPRING, TEXAS, ANNOUNCE MERGER AGREEMENT (PR Newswire)
- 2 Outperform Microcaps that Look Undervalued (Zacks)
- Top Stock Reports for Tesla, Bank of America & Coca-Cola (Zacks)
- Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend (PR Newswire)
- Texas Community Bancshares, Inc. Increases Quarterly Cash Dividend (PR Newswire)
- TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED MARCH 31, 2026 (PR Newswire)
- Texas Community Bancshares, Inc. Authorizes New Stock Repurchase Program (PR Newswire)
- Texas Community Bancshares, Inc. Increases Quarterly Cash Dividend and Announces Special Cash Dividend (PR Newswire)
- Texas Community Bancshares, Inc. Announces Chief Financial Officer Transition (PR Newswire)
- Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend (PR Newswire)
- TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE SECOND QUARTER ENDED JUNE 30, 2025 (PR Newswire)
- Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend (PR Newswire)
- TEXAS COMMUNITY BANCSHARES, INC. REPORTS UNAUDITED FINANCIAL RESULTS FOR THE FIRST QUARTER ENDED MARCH 31, 2025 (PR Newswire)
- Texas Community Bancshares, Inc. Authorizes New Stock Repurchase Program (PR Newswire) +5.30%
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2025Q1 | 2025-05-01 | - | - | 0.217 | - | - | - |
| 2024Q1 | 2024-05-13 | - | - | -0.904 | - | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.22 | 0.156 | 0.173 | 0.579 | -0.239 | -0.448 | 0.995 | 1.1453 | |
|---|---|---|---|---|---|---|---|---|---|
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |
| EPS, quarterly | 0.171 | 0.164 | 0.217 | 0.232 | 0.237 | 0.291 | 0.306 | 0.354 | 0.195 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 11.65 | 12.359 | 12.251 | 14.428 | 19.331 | 20.836 | 25.57 | 25.79 | |
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | |
| Sales, quarterly | 6.236 | 6.387 | 6.096 | 6.053 | 6.691 | 6.73 | 6.268 | 6.555 | 6.237 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 4.811 | 4.811 | 2.997 | 3.036 | 3.175 | 3.088 | 2.887 | 2.873 | |
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ | |
| Shares, quarterly | 3.136 | 3.088 | 3.057 | 3 | 2.938 | 2.887 | 2.885 | 2.873 | 2.873 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 23.18 | 22.49 | 22.45 | 18.98 | 12.57 | 10.53 | 10.80 | 10.02 |
| Total Interest Expense | 8.80 | 9.18 | 9.90 | 7.91 | 2.28 | 2.12 | 2.51 | 2.64 |
| Net Interest Income | 14.37 | 13.31 | 12.55 | 11.06 | 10.28 | 8.42 | 8.29 | 7.38 |
| Loan Loss Provision | 0.42 | 0.83 | 0.16 | 0.36 | 0.21 | 0.05 | 0.48 | 0.16 |
| Net Interest Income After Loan Loss Provision | 13.95 | 12.48 | 12.39 | 10.71 | 10.07 | 8.37 | 7.81 | 7.22 |
| Non-Interest Income | 2.61 | 3.08 | -1.62 | 0.35 | 1.86 | 1.72 | 1.56 | 1.63 |
| Non-Interest Expense | 12.87 | 12.20 | 12.27 | 12.00 | 9.77 | 9.47 | 8.42 | 7.56 |
| Operating Income | 3.70 | 3.36 | -1.49 | -0.94 | 2.17 | 0.61 | 0.94 | 1.29 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 3.70 | 3.36 | -1.78 | -0.94 | 2.18 | 0.61 | 0.94 | 1.29 |
| Income Taxes | 0.52 | 0.52 | -0.48 | -0.20 | 0.42 | 0.09 | 0.19 | 0.23 |
| Consolidated Net Income | 3.18 | 2.84 | -1.30 | -0.73 | 1.75 | 0.52 | 0.75 | 1.06 |
| Net Income From Continuing Operations | 3.18 | 2.84 | -1.30 | -0.73 | 1.75 | 0.52 | 0.75 | 1.06 |
| Net Income | 3.18 | 2.84 | -1.30 | -0.73 | 1.75 | 0.52 | 0.75 | 1.06 |
| EPS (Recurring) | 1.17 | 1.00 | -0.45 | -0.24 | 0.58 | 0.17 | 0.16 | 0.22 |
| EPS (Basic, Before Extraordinaries) | 1.17 | 1.04 | -0.45 | -0.24 | 0.58 | 0.17 | 0.16 | 0.22 |
| EPS (Diluted) | 1.15 | 1.00 | -0.45 | -0.24 | 0.58 | 0.17 | 0.16 | 0.22 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | -0.29 | -0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.53 | 0.68 | 0.60 | 0.39 | 0.17 | 0.15 | - | - |
| Price To Earnings Ratio | 15.06 | 15.06 | - | 2,561.55 | 28.31 | 112.60 | - | - |
| Price To Sales Ratio | - | 2.01 | 2.13 | 2.24 | 3.22 | 3.80 | - | - |
| Operating Margin | 14.34 | 13.16 | -7.17 | -4.84 | 15.05 | 4.99 | 7.62 | 11.05 |
| Net Margin | 12.32 | 11.11 | -6.26 | -3.79 | 12.16 | 4.23 | 6.06 | 9.07 |
| Shares Outstanding | 2.87 | 2.89 | 3.09 | 3.18 | 3.04 | 3.00 | 4.81 | 4.81 |
| Market Capitalization | 49.55 | 49.55 | 47.42 | 45.21 | 50.51 | 46.47 | 46.23 | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 5.96 | 5.82 | 5.57 | 5.82 | 5.56 | 5.47 | 5.63 | 5.65 |
| Total Interest Expense | 2.24 | 2.14 | 2.14 | 2.28 | 2.29 | 2.30 | 2.31 | 2.46 |
| Net Interest Income | 3.73 | 3.68 | 3.43 | 3.54 | 3.28 | 3.17 | 3.33 | 3.19 |
| Loan Loss Provision | 0.04 | 0.10 | 0.01 | 0.27 | 0.49 | -0.04 | 0.11 | 0.05 |
| Net Interest Income After Loan Loss Provision | 3.69 | 3.58 | 3.42 | 3.26 | 2.79 | 3.22 | 3.21 | 3.14 |
| Non-Interest Income | 0.27 | 0.73 | 0.70 | 0.91 | 1.13 | 0.58 | 0.46 | 0.74 |
| Non-Interest Expense | 3.40 | 3.16 | 3.17 | 3.15 | 3.15 | 2.97 | 2.93 | 3.27 |
| Operating Income | 0.57 | 1.15 | 0.95 | 1.03 | 0.77 | 0.82 | 0.75 | 0.61 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 0.57 | 1.15 | 0.95 | 1.03 | 0.77 | 0.82 | 0.75 | 0.61 |
| Income Taxes | 0.04 | 0.18 | 0.12 | 0.19 | 0.09 | 0.14 | 0.11 | 0.09 |
| Consolidated Net Income | 0.53 | 0.97 | 0.84 | 0.84 | 0.68 | 0.68 | 0.64 | 0.52 |
| Net Income From Continuing Operations | 0.53 | 0.97 | 0.84 | 0.84 | 0.68 | 0.68 | 0.64 | 0.52 |
| Net Income | 0.53 | 0.97 | 0.84 | 0.84 | 0.68 | 0.68 | 0.64 | 0.52 |
| EPS (Recurring) | 0.19 | 0.35 | 0.31 | 0.29 | 0.24 | 0.23 | 0.22 | 0.16 |
| EPS (Basic, Before Extraordinaries) | 0.20 | 0.37 | 0.32 | 0.29 | 0.25 | 0.24 | 0.22 | 0.17 |
| EPS (Diluted) | 0.19 | 0.35 | 0.31 | 0.29 | 0.24 | 0.23 | 0.22 | 0.16 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.15 | 0.17 | 0.03 | 0.19 | 0.20 | 0.10 | 0.14 | 0.11 |
| Price To Earnings Ratio | 15.06 | 16.51 | 17.91 | 21.13 | 20.58 | 23.92 | - | - |
| Price To Sales Ratio | - | 1.84 | 1.86 | 2.03 | 1.84 | 1.89 | 1.91 | 2.08 |
| Operating Margin | 9.11 | 17.50 | 15.24 | 15.26 | 11.45 | 13.58 | 12.29 | 9.57 |
| Net Margin | 8.51 | 14.80 | 13.34 | 12.50 | 10.16 | 11.20 | 10.55 | 8.09 |
| Shares Outstanding | 2.87 | 2.87 | 2.89 | 2.89 | 2.94 | 3.00 | 3.06 | 3.09 |
| Market Capitalization | 49.55 | 50.78 | 50.52 | 52.38 | 47.87 | 48.74 | 49.76 | 47.42 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 3.88 | 4.01 | 5.41 | 6.90 | 5.65 | 5.97 | 3.83 |
| Investments | 89.03 | 120.95 | 143.32 | 141.87 | 123.74 | 65.44 | 72.65 |
| Net Loans | 303.20 | 293.71 | 279.93 | 251.34 | 220.27 | 213.27 | 177.25 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 9.27 | 0.48 | 0.16 | 0.00 | 0.21 | 0.21 | 0.00 |
| Net Property, Plant & Equipment | 12.04 | 11.53 | 11.96 | 6.71 | 6.69 | 6.84 | 6.08 |
| Interest Receivables | 1.89 | 1.92 | 1.73 | 1.33 | 0.93 | 0.96 | 0.84 |
| Deferred Tax Assets | 2.39 | 3.24 | 2.79 | 2.63 | 0.91 | 0.58 | 0.48 |
| Other Intangible Assets | 8.72 | 8.17 | 7.10 | 6.89 | 6.69 | 6.70 | 6.76 |
| Total Assets | 430.42 | 444.01 | 452.40 | 417.67 | 365.08 | 299.97 | 267.88 |
| Total Deposits | 327.90 | 335.83 | 317.24 | 296.08 | 274.93 | 235.14 | 204.22 |
| Total Debt | 46.25 | 49.88 | 77.25 | 62.91 | 28.04 | 31.22 | 31.14 |
| Long Term Debt | 33.10 | 46.08 | 61.42 | 48.15 | 27.96 | 31.15 | 31.14 |
| Provision for Risks Charges | 0.00 | 0.25 | 0.25 | 0.18 | 0.62 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 0.57 | 0.55 | 0.36 | 0.33 | 0.25 | 0.34 | 0.32 |
| Other Liabilities | 1.94 | 5.39 | 3.61 | 2.31 | 1.10 | 1.33 | 1.14 |
| Total Liabilities | 376.66 | 391.90 | 398.71 | 361.80 | 304.95 | 268.04 | 236.83 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 53.76 | 52.11 | 53.69 | 55.87 | 60.13 | 31.94 | 31.05 |
| Total Shareholders Equity | 53.76 | 52.11 | 53.69 | 55.87 | 60.13 | 31.94 | 31.05 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 53.76 | 52.11 | 53.69 | 55.87 | 60.13 | 31.94 | 31.05 |
| Total Liabilities & Stockholders Equity | 430.42 | 444.01 | 452.40 | 417.67 | 365.08 | 299.97 | 267.88 |
| Book Value Per Share | 18.62 | 16.87 | 16.91 | 18.40 | 20.06 | 6.64 | 6.45 |
| Tangible Book Value Per Share | 18.62 | 16.83 | 16.82 | 18.27 | 19.89 | 6.50 | 6.29 |
| Full-Time Employees | 61 | 60 | 62 | 61 | 60 | 63 | 63 |
| Price to Book Ratio | 0.91 | 0.91 | 0.86 | 0.84 | 0.77 | 0.70 | - |
| Return on Assets | 0.65 | -0.29 | -0.17 | 0.45 | 0.16 | 0.26 | - |
| Return on Equity | 5.37 | -2.47 | -1.34 | 3.02 | 1.13 | 2.38 | - |
| Return on Invested Capital | 3.27 | -1.33 | -0.64 | 1.69 | 0.59 | 1.19 | 1.70 |
| Current Ratio | 0.09 | 0.10 | 0.11 | 0.06 | 0.23 | 0.23 | 0.31 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 5.18 | 4.78 | 3.64 | 2.03 | 2.98 | 1.35 | 1.80 | 1.81 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 0.02 | -3.41 | -1.70 | 0.26 | 0.14 | 0.41 | 0.11 | 0.29 |
| Cash from Operating Activities | 5.20 | 1.37 | 1.94 | 2.29 | 3.13 | 1.76 | 1.91 | 2.10 |
| Capital Expenditures | -3.37 | -0.39 | -1.20 | -5.60 | -0.39 | -0.14 | -0.81 | -1.07 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 28.81 | 21.49 | 22.93 | 15.61 | -52.94 | -44.66 | 2.39 | 3.67 |
| Purchase of Investments | -41.00 | -53.72 | -19.39 | -12.40 | -75.29 | -93.23 | -32.40 | -16.65 |
| Sale Or Maturity of Investments | 69.81 | 75.20 | 42.32 | 28.01 | 22.35 | 48.57 | 34.78 | 20.32 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.57 | 0.06 | 0.00 | 0.24 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -11.61 | 7.68 | 8.80 | -31.15 | -72.18 | -52.80 | -29.91 | -21.40 |
| Cash Dividends Paid | -0.72 | -0.59 | -0.50 | -0.37 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -1.07 | -3.16 | -1.58 | -2.20 | 0.00 | 28.29 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | -1.07 | -3.16 | -1.58 | -2.20 | 0.00 | -2.61 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 30.89 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 30.89 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 0.00 | -4.21 | -27.02 | 14.40 | 34.92 | -3.20 | -0.37 | 7.60 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 34.92 | -3.20 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 192.50 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | -157.58 | -3.20 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 3.59 | -15.89 | -10.51 | 33.00 | 56.07 | 64.88 | 30.54 | 14.17 |
| Net Change in Cash | -2.83 | -6.84 | 0.23 | 4.13 | -12.99 | 13.84 | 2.54 | -5.14 |
| Free Cash Flow | 1.82 | 0.97 | 0.74 | -3.31 | 2.74 | 1.62 | 1.10 | 2.02 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | - | 135.03 | 188.39 | - | 16.99 | 28.72 | - | - |
| Federal Home Loan Advances Increase (Decrease) | - | 0.93 | -0.13 | -1.05 | -0.74 | -0.01 | -0.03 | 0.00 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 5.88 | 3.49 | 3.22 | 3.88 | 5.05 | 4.92 |
| Investments | 95.87 | 90.74 | 93.71 | 89.03 | 116.87 | 120.52 |
| Net Loans | 308.30 | 314.08 | 298.50 | 303.20 | 284.93 | 294.02 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 14.31 | 13.58 | 13.12 | 12.04 | 11.44 | 11.51 |
| Interest Receivables | 1.67 | 1.99 | 1.68 | 1.89 | 1.60 | 1.93 |
| Deferred Tax Assets | 1.88 | 1.58 | 1.77 | 2.39 | 2.02 | 2.29 |
| Other Intangible Assets | 9.85 | 9.79 | 9.33 | 8.72 | 8.32 | 8.47 |
| Total Assets | 446.45 | 444.35 | 430.45 | 430.42 | 439.49 | 444.08 |
| Total Deposits | 358.95 | 339.63 | 331.96 | 327.90 | 334.16 | 339.18 |
| Total Debt | 29.36 | 46.46 | 41.57 | 46.25 | 48.77 | 49.24 |
| Long Term Debt | 29.36 | 46.46 | 41.57 | 33.10 | 48.77 | 49.24 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 0.57 | - | - |
| Other Liabilities | 3.41 | 3.04 | 2.69 | 1.94 | 3.02 | 2.80 |
| Total Liabilities | 391.72 | 389.14 | 376.21 | 376.66 | 385.95 | 391.21 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 54.73 | 55.21 | 54.23 | 53.76 | 53.53 | 52.87 |
| Total Shareholders Equity | 54.73 | 55.21 | 54.23 | 53.76 | 53.53 | 52.87 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 54.73 | 55.21 | 54.23 | 53.76 | 53.53 | 52.87 |
| Total Liabilities & Stockholders Equity | 446.45 | 444.35 | 430.45 | 430.42 | 439.49 | 444.08 |
| Book Value Per Share | 19.05 | 19.22 | 18.80 | 18.62 | 18.22 | 17.62 |
| Tangible Book Value Per Share | 19.05 | 19.22 | 18.80 | 18.62 | 18.21 | 17.60 |
| Full-Time Employees | - | - | - | 61 | - | - |
| Price to Book Ratio | 0.91 | 0.94 | 0.94 | 0.99 | 0.92 | 0.93 |
| Return on Assets | 0.72 | 0.75 | 0.70 | 0.65 | 0.57 | 0.53 |
| Return on Equity | 5.87 | 6.16 | 5.67 | 5.37 | 4.74 | 4.50 |
| Return on Invested Capital | 0.63 | 0.95 | 0.87 | 0.97 | 0.66 | 0.66 |
| Current Ratio | 0.67 | 0.52 | 0.56 | 0.09 | 0.50 | 0.63 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 1.22 | 1.52 | 1.17 | 1.27 | 0.88 | 0.99 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 0.70 | -0.15 | 0.44 | -0.97 | 0.71 | 0.01 |
| Cash from Operating Activities | 1.92 | 1.37 | 1.61 | 0.30 | 1.59 | 1.01 |
| Capital Expenditures | -0.86 | -0.58 | -1.79 | -0.14 | -0.04 | -0.18 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -0.57 | 2.02 | 0.14 | 27.21 | -10.27 | 2.77 |
| Purchase of Investments | -6.96 | 0.00 | -1.51 | -32.53 | -16.95 | -1.53 |
| Sale Or Maturity of Investments | 6.39 | 2.02 | 1.66 | 59.74 | 6.68 | 4.30 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | -0.02 | 0.02 | 0.00 | 0.55 | 0.02 |
| Cash from Investing Activities | -1.84 | -12.74 | -1.41 | 4.38 | 5.90 | -1.90 |
| Cash Dividends Paid | -0.17 | -0.17 | -0.14 | -0.23 | -0.12 | -0.12 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 0.00 | -0.26 | 0.00 | -0.82 | -1.01 | -0.85 |
| Repurchase of Common Pref Stock | 0.00 | -0.26 | 0.00 | -0.82 | -1.01 | -0.85 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | -17.10 | 4.90 | -4.10 | -3.10 | -0.46 | -0.32 |
| Change in Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 2.05 | 12.14 | -0.19 | -10.41 | -6.61 | 0.36 |
| Net Change in Cash | 2.13 | 0.77 | 0.00 | -5.73 | 0.89 | -0.53 |
| Free Cash Flow | 1.05 | 0.79 | -0.18 | 0.16 | 1.55 | 0.82 |
| Price to Free Cash Flow | - | 29.20 | 27.49 | 136.54 | 191.43 | - |
Revenue breakdown
| Savings Institutions, Not Federally Chartered | 2024: 10.65M 2025: 16.39M |
|---|---|
| United States | 2024: 10.65M 2025: 16.39M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.14% | 0.0M | 2.1M | 2.37K |
| 2026-10-15 | 0.15% | 0.0M | 2.1M | 2.05K |
| 2026-09-30 | 0.14% | 0.0M | 2.1M | 1.60K |
| 2026-09-15 | 0.15% | 0.0M | 2.1M | 1.60K |
| 2026-08-31 | 0.15% | 0.0M | 2.1M | 2.50K |
| 2026-08-14 | 0.14% | 0.0M | 2.1M | 2.83K |
| 2026-07-31 | 0.17% | 0.0M | 2.1M | 3.01K |
| 2026-07-15 | 0.16% | 0.0M | 2.1M | 3.11K |
| 2026-06-30 | 0.22% | 0.0M | 2.1M | 3.24K |
| 2026-06-15 | 0.28% | 0.0M | 2.1M | 3.45K |
| 2026-05-29 | 0.13% | 0.0M | 2.2M | 2.43K |
| 2026-05-15 | 0.13% | 0.0M | 2.2M | 2.11K |
| 2026-04-30 | 0.14% | 0.0M | 2.1M | 2.13K |
| 2026-04-15 | 0.15% | 0.0M | 2.1M | 2.32K |
| 2026-03-31 | 0.16% | 0.0M | 2.1M | 2.41K |
| 2026-03-13 | 0.12% | 0.0M | 2.1M | 2.17K |
| 2026-02-27 | 0.11% | 0.0M | 2.1M | 2.54K |
| 2026-02-13 | 0.11% | 0.0M | 2.1M | 2.75K |
| 2026-01-30 | 0.16% | 0.0M | 2.1M | 2.95K |
| 2026-01-15 | 0.13% | 0.0M | 2.1M | 3.11K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-30 | 8-K | Current report | 2026-10-29 | SEC |
| 2026-08-11 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-10 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2025-12-31 | SEC |
| 2026-06-30 | NT 11-K | 2025-12-31 | SEC | |
| 2026-06-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-10 | SEC |
| 2026-06-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-10 | SEC |
| 2026-06-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-10 | SEC |
| 2026-05-21 | 8-K | Current report | 2026-05-19 | SEC |
| 2026-05-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-24 | 8-K | Current report | 2026-04-24 | SEC |
| 2026-04-17 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-16 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-19 | SEC |
| 2026-03-25 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-10 | SCHEDULE 13G/A | SEC | ||
| 2025-12-16 | 8-K | Current report | 2025-12-16 | SEC |
| 2025-12-09 | 3 | Initial statement of beneficial ownership of securities | 2025-12-01 | SEC |
| 2025-12-02 | 8-K | Current report | 2025-12-01 | SEC |
| 2025-11-13 | 8-K | Current report | 2025-11-10 | SEC |
| 2025-11-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
| 2025-08-13 | SCHEDULE 13G | SEC | ||
| 2025-08-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-06-30 | SEC |
| 2025-08-01 | 8-K | Current report | 2025-08-01 | SEC |
| 2025-07-11 | 11-K | Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d) | 2024-12-31 | SEC |
| 2025-07-01 | NT 11-K | 2024-12-31 | SEC | |
| 2025-06-04 | 4 | Statement of changes in beneficial ownership of securities | 2025-06-02 | SEC |
| 2025-05-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-05-29 | SEC |
| 2025-05-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-05-29 | SEC |
| 2025-05-30 | 4 | Statement of changes in beneficial ownership of securities | 2025-05-29 | SEC |
| 2025-05-21 | 8-K | Current report | 2025-05-20 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 345.00K | 1 | 66.67K | 2 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| ALLIANCEBERNSTEIN L.P. | 6.09% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.01% |
| Oppenheimer & Close, LLC | 1.90% |
| EP Wealth Advisors, LLC | 1.83% |
| Fourthstone LLC | 0.72% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.67% |
| VANGUARD FIDUCIARY TRUST CO | 0.45% |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 0.41% |
| BlackRock, Inc. | 0.27% |
| Vanguard Global Advisers, LLC | 0.05% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 1.13% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.88% |
| Fidelity Extended Market Index Fund | 0.37% |
| iShares Micro-Cap ETF | 0.26% |
| Fidelity Series Total Market Index Fund | 0.13% |
| Fidelity Total Market Index Fund | 0.03% |
| 1290 VT Micro Cap Portfolio | 0.01% |
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