Head to Head Review: Texas Community Bancshares (TCBS) vs. Its Peers

Texas Community Bancshares (NASDAQ:TCBS) is one of 919 publicly-traded companies in the “Banks” industry, but how does it contrast to its competitors? We will compare Texas Community Bancshares to similar companies based on the strength of its analyst recommendations, institutional ownership, dividends, risk, earnings, valuation and profitability.

Valuation & Earnings

This table compares Texas Community Bancshares and its competitors top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Texas Community Bancshares	$25.57 million	$2.84 million	15.02
Texas Community Bancshares Competitors	$18.18 billion	$2.42 billion	21.02

Texas Community Bancshares’ competitors have higher revenue and earnings than Texas Community Bancshares. Texas Community Bancshares is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares Texas Community Bancshares and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Texas Community Bancshares	12.32%	5.83%	0.73%
Texas Community Bancshares Competitors	15.66%	9.47%	0.93%

Dividends

Texas Community Bancshares pays an annual dividend of $0.24 per share and has a dividend yield of 1.4%. Texas Community Bancshares pays out 20.7% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 8.9% and pay out 28.9% of their earnings in the form of a dividend. Texas Community Bancshares has increased its dividend for 1 consecutive years.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Texas Community Bancshares and its competitors, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Texas Community Bancshares	0	1	0	0	2.00
Texas Community Bancshares Competitors	7503	30269	27877	1492	2.35

As a group, “Banks” companies have a potential upside of 14.42%. Given Texas Community Bancshares’ competitors stronger consensus rating and higher possible upside, analysts plainly believe Texas Community Bancshares has less favorable growth aspects than its competitors.

Risk and Volatility

Texas Community Bancshares has a beta of -0.01, indicating that its share price is 101% less volatile than the S&P 500. Comparatively, Texas Community Bancshares’ competitors have a beta of 0.61, indicating that their average share price is 39% less volatile than the S&P 500.

Insider & Institutional Ownership

15.8% of Texas Community Bancshares shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 15.3% of Texas Community Bancshares shares are owned by company insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

Texas Community Bancshares competitors beat Texas Community Bancshares on 13 of the 15 factors compared.

About Texas Community Bancshares

Texas Community Bancshares, Inc. (NASDAQ: TCBS) is a bank holding company headquartered in Mineola, Texas. The company operates through its wholly owned subsidiary, Mineola Community Bank, SSB, a community-oriented financial institution serving customers in East Texas. Mineola Community Bank provides traditional banking products and services for individuals, families, farmers, and businesses. Its offerings include deposit accounts, consumer and commercial loans, mortgage lending, agricultural financing, and digital banking services.