Generations Bancorp NY, Inc. (GBNY) vs Texas Community Bancshares, Inc. (TCBS)
Generations Bancorp NY, 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 $35.1M — 1.4× the size. Generations Bancorp NY, Inc. has negative trailing earnings, so its P/E is not meaningful; Texas Community Bancshares, Inc. trades at 13.4×. Generations Bancorp NY, Inc. grew revenue faster over the last twelve months: 19.2% against 5.96%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs −13.2%) and the higher return on invested capital (2.83% vs −4.85%). Across the 17 metrics below, Texas Community Bancshares, Inc. leads on 13 and Generations Bancorp NY, Inc. on 4.
Valuation
Profitability
| Metric | GBNY | TCBS | Banks Regional median |
|---|---|---|---|
| Gross margin | 51.21% | 66.26% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (13.15%) | 12.68% | 18.66% |
| Free cash flow margin | (0.21%) | 8.85% | 21.18% |
| Return on equity | (7.27%) | 6.16% | 10.64% |
| Return on assets | (0.66%) | 0.75% | 1.13% |
| Return on invested capital | (4.85%) | 2.83% | 8.33% |
Growth
Health
Dividend
Size
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