Texas Community Bancshares (NASDAQ:TCBS – Get Free Report) is one of 919 publicly-traded companies in the “Banks” industry, but how does it compare to its rivals? We will compare Texas Community Bancshares to similar businesses based on the strength of its valuation, earnings, dividends, institutional ownership, profitability, analyst recommendations and risk.
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 raised its dividend for 1 consecutive years.
Analyst Ratings
This is a breakdown of current ratings and price targets for Texas Community Bancshares and its rivals, as reported by MarketBeat.com.
| 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’ rivals stronger consensus rating and higher probable upside, analysts clearly believe Texas Community Bancshares has less favorable growth aspects than its rivals.
Volatility & Risk
Texas Community Bancshares has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500. Comparatively, Texas Community Bancshares’ rivals have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.
Earnings and Valuation
This table compares Texas Community Bancshares and its rivals gross revenue, earnings per share (EPS) 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’ rivals have higher revenue and earnings than Texas Community Bancshares. Texas Community Bancshares is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.
Institutional & Insider Ownership
15.8% of Texas Community Bancshares shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 15.3% of Texas Community Bancshares shares are held by insiders. Comparatively, 9.7% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Profitability
This table compares Texas Community Bancshares and its rivals’ 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% |
Summary
Texas Community Bancshares rivals beat Texas Community Bancshares on 13 of the 15 factors compared.
Texas Community Bancshares Company Profile
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.
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