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

Metric GBNY TCBS Banks Regional median
P/E n/m 13.39 12.15
P/S 1.74 1.72 2.37
P/B 0.98 0.82 1.21
Price to free cash flow n/m 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.15 2.90 2.27
Earnings yield (7.58%) 7.47% 8.11%
Free cash flow yield (0.12%) 5.15% 8.98%

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

Metric GBNY TCBS Banks Regional median
Revenue growth (TTM) 19.21% 5.96% 6.61%
EPS growth (last fiscal year) (253.00%) 327.27% —
Revenue growth, 5-year CAGR 8.97% 15.65% 12.30%
Net income growth, 5-year CAGR 0.00% 30.57% 9.71%

Health

Metric GBNY TCBS Banks Regional median
Debt to equity 0.60 0.84 0.22
Current ratio 0.99 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric GBNY TCBS Banks Regional median
Market cap 35.11m 48.84m 921.07m

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