SHF Holdings, Inc. (SHFS) vs Texas Community Bancshares, Inc. (TCBS)

SHF Holdings, 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 $2.1M — 23.7× the size. SHF Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Texas Community Bancshares, Inc. trades at 13.4×. Texas Community Bancshares, Inc. grew revenue faster over the last twelve months: 5.96% against −28.6%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs −64.1%) and the higher return on invested capital (2.83% vs −879.5%). Across the 19 metrics below, Texas Community Bancshares, Inc. leads on 12 and SHF Holdings, Inc. on 7.

Valuation

Metric SHFS TCBS Banks Regional median
P/E n/m 13.39 12.15
P/S 0.14 1.72 2.37
P/B 0.18 0.82 1.21
Price to free cash flow n/m 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.78 2.90 2.27
Earnings yield (618.75%) 7.47% 8.11%
Free cash flow yield (419.03%) 5.15% 8.98%

Profitability

Metric SHFS TCBS Banks Regional median
Gross margin 100.00% 66.26% 69.57%
Operating margin (66.95%) 0.00% 0.00%
Net margin (64.13%) 12.68% 18.66%
Free cash flow margin (56.83%) 8.85% 21.18%
Return on equity 85.14% 6.16% 10.64%
Return on assets (49.79%) 0.75% 1.13%
Return on invested capital (879.51%) 2.83% 8.33%

Growth

Metric SHFS TCBS Banks Regional median
Revenue growth (TTM) (28.59%) 5.96% 6.61%
EPS growth (last fiscal year) 95.30% 327.27% —
Revenue growth, 5-year CAGR 1.84% 15.65% 12.30%
Net income growth, 5-year CAGR 0.00% 30.57% 9.71%

Health

Metric SHFS TCBS Banks Regional median
Debt to equity 0.00 0.84 0.22
Current ratio 1.76 0.96 0.94
Net debt to EBITDA 1.30 0.00 0.00

Dividend

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

Size

Metric SHFS TCBS Banks Regional median
Market cap 2.06m 48.84m 921.07m

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