Texas Community Bancshares (TCBS) Competitors

Texas Community Bancshares (NASDAQ:TCBS) and First National (NASDAQ:FXNC) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, media sentiment, earnings, analyst recommendations, institutional ownership, risk, community ranking and valuation.

Does the media prefer TCBS or FXNC?

In the previous week, Texas Community Bancshares had 1 more articles in the media than First National. MarketBeat recorded 2 mentions for Texas Community Bancshares and 1 mentions for First National. First National's average media sentiment score of 1.36 beat Texas Community Bancshares' score of 0.50 indicating that First National is being referred to more favorably in the news media.

Company	Overall Sentiment
Texas Community Bancshares	Positive
First National	Positive

Do insiders and institutionals hold more shares of TCBS or FXNC?

15.8% of Texas Community Bancshares shares are owned by institutional investors. Comparatively, 33.9% of First National shares are owned by institutional investors. 19.5% of Texas Community Bancshares shares are owned by insiders. Comparatively, 14.3% of First National shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Which has higher valuation and earnings, TCBS or FXNC?

First National has higher revenue and earnings than Texas Community Bancshares. Texas Community Bancshares is trading at a lower price-to-earnings ratio than First National, 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	$15.04M	3.17	-$730K	$0.67	23.37
First National	$70.49M	2.65	$6.97M	$0.83	25.05

Is TCBS or FXNC more profitable?

First National has a net margin of 7.51% compared to Texas Community Bancshares' net margin of -10.81%. First National's return on equity of 12.09% beat Texas Community Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Texas Community Bancshares	-10.81%	-4.11%	-0.48%
First National	7.51%	12.09%	1.01%

Is TCBS or FXNC 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 National pays an annual dividend of $0.62 per share and has a dividend yield of 3.0%. Texas Community Bancshares pays out 23.9% of its earnings in the form of a dividend. First National pays out 74.7% 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 National has increased its dividend for 10 consecutive years. First National is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more risk and volatility, TCBS or FXNC?

Texas Community Bancshares has a beta of 0.03, suggesting that its share price is 97% less volatile than the S&P 500. Comparatively, First National has a beta of 0.47, suggesting that its share price is 53% less volatile than the S&P 500.

Do analysts recommend TCBS or FXNC?

First National has a consensus price target of $24.75, suggesting a potential upside of 19.05%. Given First National's stronger consensus rating and higher possible upside, analysts clearly believe First National 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 National	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the MarketBeat Community prefer TCBS or FXNC?

First National received 3 more outperform votes than Texas Community Bancshares when rated by MarketBeat users. Likewise, 37.50% of users gave First National an outperform vote while only 0.00% of users gave Texas Community Bancshares an outperform vote.

Company	Underperform	Outperform
Texas Community Bancshares	Outperform Votes No Votes	Underperform Votes 1 100.00%
First National	Outperform Votes 3 37.50%	Underperform Votes 5 62.50%

Summary

First National beats Texas Community Bancshares on 16 of the 20 factors compared between the two stocks.