Texas Community Bancshares (TCBS) Competitors

Texas Community Bancshares (NASDAQ:TCBS) and First Savings Financial Group (NASDAQ:FSFG) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, risk, institutional ownership, dividends, profitability, earnings, valuation and media sentiment.

Is TCBS or FSFG more profitable?

First Savings Financial Group has a net margin of 14.92% compared to Texas Community Bancshares' net margin of 9.50%. First Savings Financial Group's return on equity of 10.60% beat Texas Community Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Texas Community Bancshares	9.50%	4.47%	0.53%
First Savings Financial Group	14.92%	10.60%	0.79%

Which has stronger valuation and earnings, TCBS or FSFG?

First Savings Financial Group has higher revenue and earnings than Texas Community Bancshares. First Savings Financial Group is trading at a lower price-to-earnings ratio than Texas Community Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Texas Community Bancshares	$20.55M	2.36	-$1.30M	$0.78	20.96
First Savings Financial Group	$134.52M	1.39	$13.59M	$3.09	8.66

Which has more volatility & risk, TCBS or FSFG?

Texas Community Bancshares has a beta of 0.06, suggesting that its stock price is 94% less volatile than the S&P 500. Comparatively, First Savings Financial Group has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500.

Is TCBS or FSFG a better dividend stock?

Texas Community Bancshares pays an annual dividend of $0.16 per share and has a dividend yield of 1.0%. First Savings Financial Group pays an annual dividend of $0.64 per share and has a dividend yield of 2.4%. Texas Community Bancshares pays out 20.5% of its earnings in the form of a dividend. First Savings Financial Group pays out 20.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Texas Community Bancshares has increased its dividend for 1 consecutive years and First Savings Financial Group has increased its dividend for 12 consecutive years. First Savings Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media favor TCBS or FSFG?

In the previous week, Texas Community Bancshares and Texas Community Bancshares both had 2 articles in the media. Texas Community Bancshares' average media sentiment score of 1.45 beat First Savings Financial Group's score of 0.95 indicating that Texas Community Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
Texas Community Bancshares	Positive
First Savings Financial Group	Positive

Do analysts recommend TCBS or FSFG?

First Savings Financial Group has a consensus price target of $32.33, suggesting a potential upside of 20.89%. Given First Savings Financial Group's stronger consensus rating and higher possible upside, analysts clearly believe First Savings Financial Group is more favorable than Texas Community Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Texas Community Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
First Savings Financial Group	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Do insiders & institutionals believe in TCBS or FSFG?

15.8% of Texas Community Bancshares shares are owned by institutional investors. Comparatively, 35.2% of First Savings Financial Group shares are owned by institutional investors. 19.5% of Texas Community Bancshares shares are owned by company insiders. Comparatively, 16.1% of First Savings Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

First Savings Financial Group beats Texas Community Bancshares on 13 of the 18 factors compared between the two stocks.