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TCBS (Texas Community Bancshares) Return-on-Tangible-Equity : 4.92% (As of Mar. 2025)


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What is Texas Community Bancshares Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Texas Community Bancshares's annualized net income for the quarter that ended in Mar. 2025 was $2.57 Mil. Texas Community Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2025 was $52.32 Mil. Therefore, Texas Community Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 was 4.92%.

The historical rank and industry rank for Texas Community Bancshares's Return-on-Tangible-Equity or its related term are showing as below:

TCBS' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.48   Med: 1.79   Max: 3.89
Current: 3.89

During the past 6 years, Texas Community Bancshares's highest Return-on-Tangible-Equity was 3.89%. The lowest was -2.48%. And the median was 1.79%.

TCBS's Return-on-Tangible-Equity is ranked worse than
83.45% of 1577 companies
in the Banks industry
Industry Median: 10.28 vs TCBS: 3.89

Texas Community Bancshares Return-on-Tangible-Equity Historical Data

The historical data trend for Texas Community Bancshares's Return-on-Tangible-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Texas Community Bancshares Return-on-Tangible-Equity Chart

Texas Community Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Equity
Get a 7-Day Free Trial 2.44 1.14 3.05 -1.35 -2.48

Texas Community Bancshares Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -20.52 2.71 3.96 3.96 4.92

Competitive Comparison of Texas Community Bancshares's Return-on-Tangible-Equity

For the Banks - Regional subindustry, Texas Community Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Texas Community Bancshares's Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Texas Community Bancshares's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Texas Community Bancshares's Return-on-Tangible-Equity falls into.


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Texas Community Bancshares Return-on-Tangible-Equity Calculation

Texas Community Bancshares's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=-1.305/( (53.424+51.976 )/ 2 )
=-1.305/52.7
=-2.48 %

Texas Community Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=2.572/( (51.976+52.656)/ 2 )
=2.572/52.316
=4.92 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2025) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.


Texas Community Bancshares  (NAS:TCBS) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


Texas Community Bancshares Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of Texas Community Bancshares's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


Texas Community Bancshares Business Description

Traded in Other Exchanges
N/A
Address
215 West Broad Street, P.O. Box 410, Mineola, TX, USA, 75773
Texas Community Bancshares Inc is a holding company. The company's business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings from the Federal Home Loan Bank of Dallas, in residential real estate loans and commercial real estate loans and, to a lesser extent, commercial loans, construction and land loans, and consumer and other loans. Its portfolio segments are real estate, agriculture, commercial, consumer and other.
Executives
Anthony Scavuzzo director 215 WEST BROAD STREET, MINEOLA TX 75773
Terri Baucum officer: SVP & CLO 215 WEST BROAD STREET, MINEOLA TX 75773
Glen Thurman director 215 WEST BROAD STREET, MINEOLA TX 75773
Sheree A. Mize director, officer: Corporate Secretary 215 WEST BROAD STREET, MINEOLA TX 75773
Haskell Strange officer: SVP and COO 215 WEST BROAD STREET, MINEOLA TX 75773
Brittany Bessonett officer: SVP and Marketing Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Jason Sobel officer: Bank President 215 WEST BROAD STREET, MINEOLA TX 75773
Kraig Yarbrough officer: SVP 215 WEST BROAD STREET, MINEOLA TX 75773
Julie Sharff officer: Chief Financial Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Herlocker James H. Iii director, officer: Chairman, President and CEO 215 WEST BROAD STREET, MINEOLA TX 75773
Clifton D. Bradshaw director 215 WEST BROAD STREET, MINEOLA TX 75773
Sofia Gurrusquieta officer: Compliance, BSA, CRA Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Demethrius Boyd director 215 WEST BROAD STREET, MINEOLA TX 75773
Bryan Summerville director 215 WEST BROAD STREET, MINEOLA TX 75773
Kerry Kindle director 215 WEST BROAD STREET, MINEOLA TX 75773