Citizens Bancshares (OTCMKTS:CZBS) versus Texas Community Bancshares (NASDAQ:TCBS) Head to Head Analysis

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

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Texas Community Bancshares	0	1	0	0	2.00
Citizens Bancshares	0	0	0	0	0.00

Volatility and Risk

Texas Community Bancshares has a beta of 0.04, indicating that its share price is 96% less volatile than the S&P 500. Comparatively, Citizens Bancshares has a beta of 0.37, indicating that its share price is 63% less volatile than the S&P 500.

Insider & Institutional Ownership

15.8% of Texas Community Bancshares shares are owned by institutional investors. 19.5% of Texas Community Bancshares shares are owned by company insiders. Comparatively, 10.2% of Citizens Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Texas Community Bancshares and Citizens Bancshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Texas Community Bancshares	$20.55 million	2.36	-$1.30 million	$0.85	19.59
Citizens Bancshares	$44.68 million	1.87	$12.88 million	N/A	N/A

Citizens Bancshares has higher revenue and earnings than Texas Community Bancshares.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Texas Community Bancshares	9.98%	4.77%	0.57%
Citizens Bancshares	N/A	N/A	N/A

Dividends

Texas Community Bancshares pays an annual dividend of $0.20 per share and has a dividend yield of 1.2%. Citizens Bancshares pays an annual dividend of $1.10 per share and has a dividend yield of 2.3%. Texas Community Bancshares pays out 23.5% of its earnings in the form of a dividend. Texas Community Bancshares has increased its dividend for 1 consecutive years.

Summary

Texas Community Bancshares beats Citizens Bancshares on 8 of the 13 factors compared between the two stocks.

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.

About Citizens Bancshares

Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers. The company offers checking and savings accounts; and demand and money market deposits. Its loan products include commercial, financial, and agricultural loans; loans secured by personal property, such as automobiles, marketable securities, and other titled recreational vehicles and motorcycles, as well as unsecured consumer debt; commercial real estate loans; single-family residential loans; and construction and development loans. The company also offers investment accounts and certificate of deposit account registry services. In addition, it provides merchant services, which include point of sale terminal, credit and debit card processing, electronic benefits transfer, gift card, and Internet shopping cart services; cash management services; and credit cards. Further, the company offers online and mobile banking, as well as check reorder services. Citizens Bancshares Corporation was founded in 1921 and is headquartered in Atlanta, Georgia.