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Texas Community Bancshares, Inc. (TCBS) vs United Bancorp, Inc. (UBCP)

Texas Community Bancshares, Inc. and United Bancorp, Inc. are both Banks Regional companies. United Bancorp, Inc. is the larger, with a market value of $83.3M against $50.0M — 1.7× the size. United Bancorp, Inc. trades at the lower P/E: 10.4× against 13.6×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against 5.96%. United Bancorp, Inc. has the higher net margin (15.7% vs 12.7%) and the higher return on invested capital (4.58% vs 2.83%). Both pay a dividend; United Bancorp, Inc. yields more (5.42% vs 0.98%). Across the 18 metrics below, United Bancorp, Inc. leads on 10 and Texas Community Bancshares, Inc. on 8.

Valuation

Metric TCBS UBCP Banks Regional median
P/E 13.62 10.36 12.02
P/S 1.75 1.62 2.36
P/B 0.83 1.09 1.23
Price to free cash flow 19.75 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.34% 9.65% 8.21%
Free cash flow yield 5.06% (5.18%) 9.23%

Profitability

Metric TCBS UBCP Banks Regional median
Gross margin 66.26% 69.59% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.68% 15.72% 18.82%
Free cash flow margin 8.85% (8.42%) 17.97%
Return on equity 6.16% 11.50% 10.28%
Return on assets 0.75% 0.88% 1.13%
Return on invested capital 2.83% 4.58% 8.45%

Growth

Metric TCBS UBCP Banks Regional median
Revenue growth (TTM) 5.96% 6.21% 6.37%
EPS growth (last fiscal year) 327.27% 5.51% 18.85%
Revenue growth, 5-year CAGR 15.65% 6.58% 12.65%
Net income growth, 5-year CAGR 30.57% (0.46%) 9.81%

Health

Metric TCBS UBCP Banks Regional median
Debt to equity 0.84 1.10 0.17
Current ratio 0.96 0.76 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric TCBS UBCP Banks Regional median
Dividend yield 0.98% 5.42% 2.49%
Payout ratio 0.14 0.56 0.29

Size

Metric TCBS UBCP Banks Regional median
Market cap 50.01m 83.28m 934.85m

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