NB Bancorp (NASDAQ:NBBK) vs. Texas Community Bancshares (NASDAQ:TCBS) Financial Analysis

NB Bancorp (NASDAQ:NBBK) and Texas Community Bancshares (NASDAQ:TCBS) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, profitability, dividends, valuation, analyst recommendations, risk and earnings.

Earnings & Valuation

This table compares NB Bancorp and Texas Community Bancshares’ gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NB Bancorp	$236.08 million	2.74	$9.82 million	N/A	N/A
Texas Community Bancshares	$19.33 million	2.31	-$730,000.00	($0.24)	-58.37

NB Bancorp has higher revenue and earnings than Texas Community Bancshares.

Profitability

This table compares NB Bancorp and Texas Community Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NB Bancorp	N/A	N/A	N/A
Texas Community Bancshares	-3.79%	-1.35%	-0.17%

Analyst Ratings

This is a breakdown of current recommendations and price targets for NB Bancorp and Texas Community Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NB Bancorp	0	0	1	0	3.00
Texas Community Bancshares	0	0	0	0	N/A

NB Bancorp presently has a consensus target price of $17.00, indicating a potential upside of 12.06%. Given NB Bancorp’s higher possible upside, research analysts plainly believe NB Bancorp is more favorable than Texas Community Bancshares.

Insider & Institutional Ownership

15.8% of Texas Community Bancshares shares are owned by institutional investors. 1.7% of NB Bancorp shares are owned by company insiders. Comparatively, 19.1% of Texas Community Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

NB Bancorp beats Texas Community Bancshares on 8 of the 10 factors compared between the two stocks.

About NB Bancorp

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.

About Texas Community Bancshares

Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B. that provides loans and banking services to consumers and commercial customers in Mineola, Texas and the surrounding area, and the Dallas Fort Worth Metroplex. It generates a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts. The company also originates primarily one- to four-family residential mortgage loans, commercial real estate loans, and construction and land loans; and car, boat, share, unsecured loans, etc., as well as agricultural loans, commercial loans, and consumer and other loans. In addition, it invests in securities; and offers sweep account, safe deposit boxes, e-statement, cards, online banking, and mobile banking services. Texas Community Bancshares, Inc. was founded in 1934 and is headquartered in Mineola, Texas.