FMFG vs TCBS: stock comparison and AI forecast
Farmers & Merchants Bancshares, Inc. (FMFG) and Texas Community Bancshares, Inc. (TCBS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FMFG Farmers & Merchants Bancshares, Inc.
- Market Cap
- $62M
- P/E Ratio
- 9.5x
- 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.
Key facts
- FMFG is 1.3 times larger than TCBS by market capitalization ($62M against $49M).
- FMFG trades at 9.5 times trailing earnings, TCBS at 15.4 times.
- FMFG turns 25.5% of its revenue into net income, against 20.1% for TCBS.
- FMFG carries 11.93 times debt per unit of equity, against 7.05 times for TCBS.
- TCBS yields 1.35% in dividends; FMFG pays none.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FMFG | TCBS |
|---|---|---|
| Market Cap | $62M | $49M |
| P/E Ratio | 9.46x | 15.37x |
| P/B Ratio | 0.92x | 0.89x |
| Dividend Yield | – | 1.35% |
| EPS | $2.01 | $1.12 |
| Book Value/Share | $20.72 | $19.22 |
| Revenue/Share | $8.58 | $5.75 |
| FCF/Share | $2.27 | $0.81 |
Profitability & Margins
| Metric | FMFG | TCBS |
|---|---|---|
| ROE | 10.5% | 6.0% |
| ROA | 0.8% | 0.8% |
| Net Margin | 25.5% | 20.1% |
| EBT Margin | 33.5% | 23.6% |
| Tax Rate | 24.1% | 14.6% |
Financial Health
| Metric | FMFG | TCBS |
|---|---|---|
| D/E Ratio | 11.93x | 7.05x |
| Financial Leverage | 12.93x | 8.05x |
Cash Flow
| Metric | FMFG | TCBS |
|---|---|---|
| Operating Cash Flow | $8M | $5M |
| Free Cash Flow | $7M | $2M |
| Capital Spending | -$300K | -$3M |
| OCF Growth YoY | 240.2% | 1738.5% |
| FCF Growth YoY | 177.5% | 7150.0% |
| FCF/Sales | 26.4% | 14.0% |
| CapEx/Sales | 1.1% | 15.4% |
Operational Efficiency
| Metric | FMFG | TCBS |
|---|---|---|
| Asset Turnover | 0.03x | 0.04x |
| Fixed Assets Turnover | 4.0x | 1.2x |
Income Statement
| Metric | FMFG | TCBS |
|---|---|---|
| Total Revenue | $28M | $17M |
| Net Income | $7M | $3M |
Dividend & Shareholder Information
| Metric | FMFG | TCBS |
|---|---|---|
| Dividends Per Share | – | $0.23 |
| Payout Ratio | – | 20.5% |
| Shares Outstanding | 3M | 3M |
| Net Income Growth | 64.0% | 41.4% |
| EPS Growth | 43.6% | – |
FMFG vs TCBS: stock comparison and AI forecast
Which is bigger, FMFG or TCBS?
FMFG is 1.3 times larger than TCBS by market capitalization ($62M against $49M).
Which is cheaper on earnings, FMFG or TCBS?
FMFG trades at 9.5 times trailing earnings, TCBS at 15.4 times.
Which one does Intratio's AI model rank higher, FMFG 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.