PFSB vs TCBS: stock comparison and AI forecast
Pfs Bancorp, Inc. (PFSB) and Texas Community Bancshares, Inc. (TCBS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
PFSB Pfs Bancorp, Inc.
- Price
- $20.30 +11.0% · 6M
- Market Cap
- $31M
- P/E Ratio
- 18.9x
- Size
- small-cap
- AI Forecast
TCBS Texas Community Bancshares, Inc.
- Price
- $17.20 +2.4% · 6M
- Market Cap
- $49M
- P/E Ratio
- 15.4x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- TCBS is 1.6 times larger than PFSB by market capitalization ($49M against $31M).
- TCBS trades at 15.4 times trailing earnings, PFSB at 18.9 times.
- Over the last six months PFSB returned +11.0% and TCBS +2.4%.
- PFSB turns 24.4% of its revenue into net income, against 20.1% for TCBS.
- TCBS carries 7.05 times debt per unit of equity, against 4.38 times for PFSB.
- TCBS yields 1.35% in dividends; PFSB pays none.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | PFSB | TCBS |
|---|---|---|
| Market Cap | $31M | $49M |
| P/E Ratio | 18.93x | 15.37x |
| P/B Ratio | 0.83x | 0.89x |
| Dividend Yield | – | 1.35% |
| EPS | $1.07 | $1.12 |
| Book Value/Share | $24.60 | $19.22 |
| Revenue/Share | $4.48 | $5.75 |
| FCF/Share | – | $0.81 |
Profitability & Margins
| Metric | PFSB | TCBS |
|---|---|---|
| ROE | 4.4% | 6.0% |
| ROA | 0.8% | 0.8% |
| Net Margin | 24.4% | 20.1% |
| EBT Margin | 30.1% | 23.6% |
| Tax Rate | 19.0% | 14.6% |
Financial Health
| Metric | PFSB | TCBS |
|---|---|---|
| D/E Ratio | 4.38x | 7.05x |
| Financial Leverage | 5.38x | 8.05x |
Cash Flow
| Metric | PFSB | TCBS |
|---|---|---|
| Operating Cash Flow | $2M | $5M |
| Free Cash Flow | – | $2M |
| Capital Spending | – | -$3M |
| OCF Growth YoY | 32.4% | 1738.5% |
| FCF Growth YoY | – | 7150.0% |
| FCF/Sales | – | 14.0% |
| CapEx/Sales | – | 15.4% |
Operational Efficiency
| Metric | PFSB | TCBS |
|---|---|---|
| Asset Turnover | 0.03x | 0.04x |
| Fixed Assets Turnover | 3.4x | 1.2x |
Income Statement
| Metric | PFSB | TCBS |
|---|---|---|
| Total Revenue | $7M | $17M |
| Net Income | $2M | $3M |
Dividend & Shareholder Information
| Metric | PFSB | TCBS |
|---|---|---|
| Dividends Per Share | – | $0.23 |
| Payout Ratio | – | 20.5% |
| Shares Outstanding | 2M | 3M |
| Net Income Growth | 34.9% | 41.4% |
| EPS Growth | 55.1% | – |
PFSB vs TCBS: stock comparison and AI forecast
Which is bigger, PFSB or TCBS?
TCBS is 1.6 times larger than PFSB by market capitalization ($49M against $31M).
Which is cheaper on earnings, PFSB or TCBS?
TCBS trades at 15.4 times trailing earnings, PFSB at 18.9 times.
Which stock performed better over the last six months, PFSB or TCBS?
Over the last six months PFSB returned +11.0% and TCBS +2.4%.
Which one does Intratio's AI model rank higher, PFSB or TCBS?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.