1895 Bancorp of Wisconsin Inc. (BCOW) vs Texas Community Bancshares, Inc. (TCBS)

1895 Bancorp of Wisconsin Inc. and Texas Community Bancshares, Inc. are both Banks Regional companies. 1895 Bancorp of Wisconsin Inc. is the larger, with a market value of $57.9M against $48.8M — 1.2× the size. Texas Community Bancshares, Inc. trades at the lower P/E: 13.4× against 84.3×. 1895 Bancorp of Wisconsin Inc. grew revenue faster over the last twelve months: 9.20% against 5.96%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs 3.58%) and the higher return on invested capital (2.83% vs 0.70%). Across the 19 metrics below, Texas Community Bancshares, Inc. leads on 17 and 1895 Bancorp of Wisconsin Inc. on 2.

Valuation

Metric BCOW TCBS Banks Regional median
P/E 84.33 13.39 12.15
P/S 2.87 1.72 2.37
P/B 1.26 0.82 1.21
Price to free cash flow 19.91 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.66 2.90 2.27
Earnings yield 1.19% 7.47% 8.11%
Free cash flow yield 5.02% 5.15% 8.98%

Profitability

Metric BCOW TCBS Banks Regional median
Gross margin 61.21% 66.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 3.58% 12.68% 18.66%
Free cash flow margin 0.00% 8.85% 21.18%
Return on equity 1.60% 6.16% 10.64%
Return on assets 0.19% 0.75% 1.13%
Return on invested capital 0.70% 2.83% 8.33%

Growth

Metric BCOW TCBS Banks Regional median
Revenue growth (TTM) 9.20% 5.96% 6.61%
EPS growth (last fiscal year) 268.75% 327.27% —
Revenue growth, 5-year CAGR 6.83% 15.65% 12.30%
Net income growth, 5-year CAGR 1.52% 30.57% 9.71%

Health

Metric BCOW TCBS Banks Regional median
Debt to equity 1.41 0.84 0.22
Current ratio 1.13 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCOW TCBS Banks Regional median
Dividend yield — 0.78% 3.75%
Payout ratio 0.00 1.67 0.27

Size

Metric BCOW TCBS Banks Regional median
Market cap 57.91m 48.84m 921.07m

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