Generations Bancorp NY, Inc. (GBNY) vs Texas Community Bancshares, Inc. (TCBS)
- Generations Bancorp NY, Inc. GBNY 16.23 +0.12%
- Texas Community Bancshares, Inc. TCBS 17.00 −1.51%
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 $49.6M 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 16 metrics below, Texas Community Bancshares, Inc. leads on 13 and Generations Bancorp NY, Inc. on 3.
Valuation
Profitability
| Metric | GBNY | TCBS | Banks Regional median |
|---|---|---|---|
| Gross margin | 51.21% | 66.26% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (13.15%) | 12.68% | 18.66% |
| Free cash flow margin | (0.21%) | 8.85% | 21.11% |
| Return on equity | (7.27%) | 6.16% | 10.65% |
| Return on assets | (0.66%) | 0.75% | 1.13% |
| Return on invested capital | (4.85%) | 2.83% | 8.35% |
Growth
Health
Dividend
Size
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