PCSB Financial (NASDAQ:PCSB) versus Cullman Bancorp (NASDAQ:CULL) Head-To-Head Survey

Cullman Bancorp (NASDAQ:CULLGet Rating) and PCSB Financial (NASDAQ:PCSBGet Rating) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, dividends, earnings, profitability, risk and valuation.

Profitability

This table compares Cullman Bancorp and PCSB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Cullman Bancorp N/A N/A N/A
PCSB Financial 24.17% 4.87% 0.71%

Dividends

Cullman Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.0%. PCSB Financial pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. PCSB Financial pays out 23.5% of its earnings in the form of a dividend. PCSB Financial has increased its dividend for 2 consecutive years. PCSB Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Analyst Recommendations

This is a summary of recent ratings for Cullman Bancorp and PCSB Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cullman Bancorp 0 0 0 0 N/A
PCSB Financial 0 0 0 0 N/A

Insider & Institutional Ownership

5.2% of Cullman Bancorp shares are owned by institutional investors. Comparatively, 62.8% of PCSB Financial shares are owned by institutional investors. 7.1% of PCSB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Cullman Bancorp and PCSB Financial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Cullman Bancorp $14.88 million 5.77 $1.75 million N/A N/A
PCSB Financial $59.76 million 4.73 $12.42 million $1.02 18.05

PCSB Financial has higher revenue and earnings than Cullman Bancorp.

Summary

PCSB Financial beats Cullman Bancorp on 9 of the 11 factors compared between the two stocks.

Cullman Bancorp Company Profile (Get Rating)

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, multi-family real estate, and consumer loans; and invests in securities. It operates three branch offices in Cullman, Alabama; and one branch office in Hanceville, Alabama. The company was founded in 1887 and is headquartered in Cullman, Alabama.

PCSB Financial Company Profile (Get Rating)

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial products and services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. The company's deposit products include interest and non-interest bearing, demand, NOW, money market, escrow, and savings accounts, as well as time deposits. It also provides commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer and deposit overdraft loans, as well as home equity lines of credit, insurance products, and securities. In addition, the company engages in investment activities. As of June 30, 2021, PCSB Financial Corporation offered its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

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