Texas Community Bancshares (TCBS) Competitors

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

Does the MarketBeat Community prefer FUNC or TCBS?

First United received 141 more outperform votes than Texas Community Bancshares when rated by MarketBeat users. Likewise, 64.98% of users gave First United an outperform vote while only 0.00% of users gave Texas Community Bancshares an outperform vote.

Company	Underperform	Outperform
First United	Outperform Votes 141 64.98%	Underperform Votes 76 35.02%
Texas Community Bancshares	Outperform Votes No Votes	Underperform Votes 1 100.00%

Is FUNC or TCBS a better dividend stock?

First United pays an annual dividend of $0.88 per share and has a dividend yield of 3.0%. Texas Community Bancshares pays an annual dividend of $0.16 per share and has a dividend yield of 1.0%. First United pays out 27.9% of its earnings in the form of a dividend. Texas Community Bancshares pays out -22.5% 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.

Is FUNC or TCBS more profitable?

First United has a net margin of 18.45% compared to Texas Community Bancshares' net margin of -10.81%. First United's return on equity of 12.51% beat Texas Community Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First United	18.45%	12.51%	1.11%
Texas Community Bancshares	-10.81%	-4.11%	-0.48%

Do analysts rate FUNC or TCBS?

First United currently has a consensus target price of $42.00, suggesting a potential upside of 41.46%. Given First United's stronger consensus rating and higher probable upside, analysts clearly believe First United is more favorable than Texas Community Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First United	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
Texas Community Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Do insiders and institutionals have more ownership in FUNC or TCBS?

33.3% of First United shares are owned by institutional investors. Comparatively, 15.8% of Texas Community Bancshares shares are owned by institutional investors. 7.8% of First United 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.

Does the media prefer FUNC or TCBS?

In the previous week, Texas Community Bancshares had 1 more articles in the media than First United. MarketBeat recorded 2 mentions for Texas Community Bancshares and 1 mentions for First United. First United's average media sentiment score of 1.90 beat Texas Community Bancshares' score of 1.44 indicating that First United is being referred to more favorably in the media.

Company	Overall Sentiment
First United	Very Positive
Texas Community Bancshares	Positive

Which has better valuation & earnings, FUNC or TCBS?

First United has higher revenue and earnings than Texas Community Bancshares. Texas Community Bancshares is trading at a lower price-to-earnings ratio than First United, 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
First United	$79.79M	2.41	$20.57M	$3.15	9.43
Texas Community Bancshares	$10.40M	4.87	-$730K	-$0.71	-22.89

Which has more risk and volatility, FUNC or TCBS?

First United has a beta of 0.77, suggesting that its stock price is 23% less volatile than the S&P 500. Comparatively, Texas Community Bancshares has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500.

Summary

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