Carver Bancorp, Inc. (CARV) vs Texas Community Bancshares, Inc. (TCBS)

Carver Bancorp, Inc. and Texas Community Bancshares, Inc. are both Banks Regional companies. Texas Community Bancshares, Inc. is the larger, with a market value of $48.8M against $6.3M — 7.8× the size. Carver Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Texas Community Bancshares, Inc. trades at 13.4×. Texas Community Bancshares, Inc. grew revenue faster over the last twelve months: 5.96% against 5.17%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs −18.7%) and the higher return on invested capital (2.83% vs −21.1%). Across the 17 metrics below, Texas Community Bancshares, Inc. leads on 13 and Carver Bancorp, Inc. on 4.

Valuation

Metric CARV TCBS Banks Regional median
P/E n/m 13.39 12.15
P/S 0.27 1.72 2.37
P/B 6.36 0.82 1.21
Price to free cash flow n/m 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.23 2.90 2.27
Earnings yield (79.07%) 7.47% 8.11%
Free cash flow yield (91.32%) 5.15% 8.98%

Profitability

Metric CARV TCBS Banks Regional median
Gross margin 68.30% 66.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (18.71%) 12.68% 18.66%
Free cash flow margin 0.00% 8.85% 21.18%
Return on equity (176.08%) 6.16% 10.64%
Return on assets (1.09%) 0.75% 1.13%
Return on invested capital (21.13%) 2.83% 8.33%

Growth

Metric CARV TCBS Banks Regional median
Revenue growth (TTM) 5.17% 5.96% 6.61%
EPS growth (last fiscal year) 51.32% 327.27% —
Revenue growth, 5-year CAGR 8.93% 15.65% 12.30%
Net income growth, 5-year CAGR 0.00% 30.57% 9.71%

Health

Metric CARV TCBS Banks Regional median
Debt to equity 1.69 0.84 0.22
Current ratio 1.03 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CARV TCBS Banks Regional median
Market cap 6.29m 48.84m 921.07m

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