Contrasting Cullman Bancorp (CULL) and Its Peers

Cullman Bancorp (NASDAQ:CULLGet Rating) is one of 37 public companies in the “Savings institutions, except federal” industry, but how does it compare to its peers? We will compare Cullman Bancorp to related companies based on the strength of its analyst recommendations, profitability, institutional ownership, dividends, earnings, risk and valuation.

Risk & Volatility

Cullman Bancorp has a beta of -0.05, indicating that its share price is 105% less volatile than the S&P 500. Comparatively, Cullman Bancorp’s peers have a beta of 0.59, indicating that their average share price is 41% less volatile than the S&P 500.

Profitability

This table compares Cullman Bancorp and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Cullman Bancorp 15.38% 2.47% 0.67%
Cullman Bancorp Competitors 18.36% 7.40% 0.78%

Earnings & Valuation

This table compares Cullman Bancorp and its peers revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Cullman Bancorp $14.88 million $1.75 million 33.24
Cullman Bancorp Competitors $140.06 million $39.05 million 3.45

Cullman Bancorp’s peers have higher revenue and earnings than Cullman Bancorp. Cullman Bancorp is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Analyst Ratings

This is a summary of recent recommendations and price targets for Cullman Bancorp and its peers, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cullman Bancorp 0 0 0 0 N/A
Cullman Bancorp Competitors 44 314 277 3 2.37

As a group, “Savings institutions, except federal” companies have a potential upside of 14.72%. Given Cullman Bancorp’s peers higher probable upside, analysts plainly believe Cullman Bancorp has less favorable growth aspects than its peers.

Dividends

Cullman Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.1%. Cullman Bancorp pays out 35.3% of its earnings in the form of a dividend. As a group, “Savings institutions, except federal” companies pay a dividend yield of 1.6% and pay out 19.9% of their earnings in the form of a dividend. Cullman Bancorp lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Institutional & Insider Ownership

6.5% of Cullman Bancorp shares are owned by institutional investors. Comparatively, 37.5% of shares of all “Savings institutions, except federal” companies are owned by institutional investors. 15.7% of Cullman Bancorp shares are owned by company insiders. Comparatively, 7.3% of shares of all “Savings institutions, except federal” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Cullman Bancorp peers beat Cullman Bancorp on 10 of the 12 factors compared.

About Cullman Bancorp

(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.

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