GOVB vs TCBS: stock comparison and AI forecast
Gouverneur Bancorp, Inc./Md/ (GOVB) and Texas Community Bancshares, Inc. (TCBS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
GOVB Gouverneur Bancorp, Inc./Md/
- Market Cap
- $22M
- P/E Ratio
- 29.1x
- 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
- TCBS is 2.2 times larger than GOVB by market capitalization ($49M against $22M).
- TCBS trades at 15.4 times trailing earnings, GOVB at 29.1 times.
- TCBS turns 20.1% of its revenue into net income, against 11.6% for GOVB.
- TCBS carries 7.05 times debt per unit of equity, against 5.07 times for GOVB.
- GOVB yields 2.47% in dividends and TCBS 1.35%.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | GOVB | TCBS |
|---|---|---|
| Market Cap | $22M | $49M |
| P/E Ratio | 29.08x | 15.37x |
| P/B Ratio | 0.69x | 0.89x |
| Dividend Yield | 2.47% | 1.35% |
| EPS | $0.73 | $1.12 |
| Book Value/Share | $30.93 | $19.22 |
| Revenue/Share | $8.01 | $5.75 |
| FCF/Share | $0.72 | $0.81 |
Profitability & Margins
| Metric | GOVB | TCBS |
|---|---|---|
| ROE | 3.0% | 6.0% |
| ROA | 0.5% | 0.8% |
| Net Margin | 11.6% | 20.1% |
| EBT Margin | 12.3% | 23.6% |
| Tax Rate | 6.1% | 14.6% |
Financial Health
| Metric | GOVB | TCBS |
|---|---|---|
| D/E Ratio | 5.07x | 7.05x |
| Financial Leverage | 6.07x | 8.05x |
Cash Flow
| Metric | GOVB | TCBS |
|---|---|---|
| Operating Cash Flow | $1M | $5M |
| Free Cash Flow | $760K | $2M |
| Capital Spending | -$400K | -$3M |
| OCF Growth YoY | 23.3% | 1738.5% |
| FCF Growth YoY | -8.7% | 7150.0% |
| FCF/Sales | 9.0% | 14.0% |
| CapEx/Sales | 4.7% | 15.4% |
Operational Efficiency
| Metric | GOVB | TCBS |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 2.8x | 1.2x |
Income Statement
| Metric | GOVB | TCBS |
|---|---|---|
| Total Revenue | $8M | $17M |
| Net Income | $980K | $3M |
Dividend & Shareholder Information
| Metric | GOVB | TCBS |
|---|---|---|
| Dividends Per Share | $0.53 | $0.23 |
| Payout Ratio | 72.6% | 20.5% |
| Shares Outstanding | 1M | 3M |
| Net Income Growth | 55.5% | 41.4% |
| EPS Growth | 30.4% | – |
GOVB vs TCBS: stock comparison and AI forecast
Which is bigger, GOVB or TCBS?
TCBS is 2.2 times larger than GOVB by market capitalization ($49M against $22M).
Which is cheaper on earnings, GOVB or TCBS?
TCBS trades at 15.4 times trailing earnings, GOVB at 29.1 times.
Which one does Intratio's AI model rank higher, GOVB 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.