NSTS Bancorp, Inc. (NSTS) vs Texas Community Bancshares, Inc. (TCBS)

NSTS Bancorp, Inc. and Texas Community Bancshares, Inc. are both Banks Regional companies. NSTS Bancorp, Inc. is the larger, with a market value of $74.1M against $48.8M — 1.5× the size. NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Texas Community Bancshares, Inc. trades at 13.4×. NSTS Bancorp, Inc. grew revenue faster over the last twelve months: 7.00% against 5.96%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs −0.31%) and the higher return on invested capital (2.83% vs −0.09%). Across the 18 metrics below, Texas Community Bancshares, Inc. leads on 11 and NSTS Bancorp, Inc. on 7.

Valuation

Metric NSTS TCBS Banks Regional median
P/E n/m 13.39 12.15
P/S 4.99 1.72 2.37
P/B 0.87 0.82 1.21
Price to free cash flow 4.38 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.48 2.90 2.27
Earnings yield (0.06%) 7.47% 8.11%
Free cash flow yield 22.83% 5.15% 8.98%

Profitability

Metric NSTS TCBS Banks Regional median
Gross margin 77.36% 66.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.31%) 12.68% 18.66%
Free cash flow margin 113.89% 8.85% 21.18%
Return on equity (0.05%) 6.16% 10.64%
Return on assets (0.02%) 0.75% 1.13%
Return on invested capital (0.09%) 2.83% 8.33%

Growth

Metric NSTS TCBS Banks Regional median
Revenue growth (TTM) 7.00% 5.96% 6.61%
EPS growth (last fiscal year) 50.00% 327.27% —
Revenue growth, 5-year CAGR 11.74% 15.65% 12.30%
Net income growth, 5-year CAGR 0.00% 30.57% 9.71%

Health

Metric NSTS TCBS Banks Regional median
Debt to equity 0.00 0.84 0.22
Current ratio 0.95 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric NSTS TCBS Banks Regional median
Market cap 74.12m 48.84m 921.07m

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