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
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
Health
Dividend
Size
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