Cullman Bancorp (NASDAQ:CULL) & Provident Bancorp (NASDAQ:PVBC) Financial Review

Cullman Bancorp (NASDAQ:CULL) and Provident Bancorp (NASDAQ:PVBC) 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, profitability, earnings, analyst recommendations, valuation, risk and dividends.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Cullman Bancorp	18.67%	3.90%	0.95%
Provident Bancorp	11.25%	5.06%	0.63%

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Cullman Bancorp and Provident Bancorp, as provided by MarketBeat.com.

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

Institutional & Insider Ownership

25.7% of Cullman Bancorp shares are held by institutional investors. Comparatively, 74.6% of Provident Bancorp shares are held by institutional investors. 16.8% of Cullman Bancorp shares are held by insiders. Comparatively, 3.9% of Provident Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Risk and Volatility

Cullman Bancorp has a beta of 0.08, suggesting that its stock price is 92% less volatile than the S&P 500. Comparatively, Provident Bancorp has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500.

Earnings and Valuation

This table compares Cullman Bancorp and Provident Bancorp’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cullman Bancorp	$21.17 million	3.53	$3.95 million	$0.54	19.06
Provident Bancorp	$97.36 million	1.41	$10.95 million	$0.67	11.63

Provident Bancorp has higher revenue and earnings than Cullman Bancorp. Provident Bancorp is trading at a lower price-to-earnings ratio than Cullman Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Provident Bancorp beats Cullman Bancorp on 6 of the 11 factors compared between the two stocks.

About Cullman Bancorp

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services in the United States. 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; term, line of credit, and agricultural loans; mortgage, home equity, and personal and auto loans; and invests in securities. In addition, it offers debit and credit card services; online banking, automated clearing house, and merchant services; and mobile banking, bill pay, and ATM services. Cullman Bancorp, Inc. was founded in 1887 and is headquartered in Cullman, Alabama.

About Provident Bancorp

Provident Bancorp, Inc. is a Maryland corporation that was formed in 2019 to be the successor corporation to Provident Bancorp, Inc., a Massachusetts corporation, and the holding company for The Provident Bank. The Provident Bank, a subsidiary of Provident Bancorp, Inc. is an innovative, commercial bank that finds solutions for its business and private clients.