Summit State Bank (SSBI) vs Texas Community Bancshares, Inc. (TCBS)

Summit State Bank and Texas Community Bancshares, Inc. are both Banks Regional companies. Summit State Bank is the larger, with a market value of $77.1M against $50.0M — 1.5× the size. Texas Community Bancshares, Inc. trades at the lower P/E: 13.6× against 33.6×. Texas Community Bancshares, Inc. grew revenue faster over the last twelve months: 5.96% against −7.63%. Texas Community Bancshares, Inc. has the higher net margin (12.7% vs 3.87%) and the higher return on invested capital (2.83% vs 0.00%). Only Texas Community Bancshares, Inc. pays a dividend (0.98%). Across the 18 metrics below, Texas Community Bancshares, Inc. leads on 13 and Summit State Bank on 5.

Valuation

Metric SSBI TCBS Banks Regional median
P/E 33.59 13.62 12.02
P/S 1.32 1.75 2.36
P/B n/m 0.83 1.23
Price to free cash flow 12.75 19.75 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.98% 7.34% 8.21%
Free cash flow yield 7.84% 5.06% 9.23%

Profitability

Metric SSBI TCBS Banks Regional median
Gross margin 100.00% 66.26% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 3.87% 12.68% 18.82%
Free cash flow margin 0.00% 8.85% 17.97%
Return on equity 0.00% 6.16% 10.28%
Return on assets 0.00% 0.75% 1.13%
Return on invested capital 0.00% 2.83% 8.45%

Growth

Metric SSBI TCBS Banks Regional median
Revenue growth (TTM) (7.63%) 5.96% 6.37%
EPS growth (last fiscal year) 287.04% 327.27% 18.85%
Revenue growth, 5-year CAGR 7.55% 15.65% 12.65%
Net income growth, 5-year CAGR (8.36%) 30.57% 9.81%

Health

Metric SSBI TCBS Banks Regional median
Debt to equity 0.08 0.84 0.17
Current ratio 0.91 0.96 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SSBI TCBS Banks Regional median
Dividend yield 0.00% 0.98% 2.49%
Payout ratio 0.00 0.14 0.29

Size

Metric SSBI TCBS Banks Regional median
Market cap 77.13m 50.01m 934.85m

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