Financial Analysis: New York Community Bancorp (NYSE:NYCB) & Texas Community Bancshares (NASDAQ:TCBS)

New York Community Bancorp (NYSE:NYCB) and Texas Community Bancshares (NASDAQ:TCBS) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, risk, profitability, valuation, dividends, institutional ownership and analyst recommendations.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for New York Community Bancorp and Texas Community Bancshares, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
New York Community Bancorp 0 5 3 0 2.38
Texas Community Bancshares 0 0 0 0 N/A

New York Community Bancorp presently has a consensus price target of $13.28, indicating a potential upside of 4.10%. Given New York Community Bancorp’s higher probable upside, equities research analysts plainly believe New York Community Bancorp is more favorable than Texas Community Bancshares.

Insider & Institutional Ownership

62.1% of New York Community Bancorp shares are held by institutional investors. 3.2% of New York Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares New York Community Bancorp and Texas Community Bancshares’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
New York Community Bancorp $1.77 billion 3.35 $511.11 million $1.28 9.97
Texas Community Bancshares $12.36 million 4.05 $750,000.00 N/A N/A

New York Community Bancorp has higher revenue and earnings than Texas Community Bancshares.

Profitability

This table compares New York Community Bancorp and Texas Community Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
New York Community Bancorp 36.25% 9.38% 1.04%
Texas Community Bancshares N/A N/A N/A

Summary

New York Community Bancorp beats Texas Community Bancshares on 9 of the 10 factors compared between the two stocks.

About New York Community Bancorp

New York Community Bancorp, Inc. is a bank holding company, which engages in the provision of multi-family loans on non-luxury rent-regulated buildings that feature below-market rents. It also offers financial products and services to individuals and businesses. The company was founded on July 20, 1993 and is headquartered in Westbury, NY.

About Texas Community Bancshares

Texas Community Bancshares Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. which provides loans and banking services to consumers and commercial customers principally in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. Texas Community Bancshares Inc. is based in Mineola, Texas.

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