Cullman Bancorp (NASDAQ:CULL – Get Free Report) and NB Bancorp (NASDAQ:NBBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, risk, institutional ownership, valuation and profitability.
Valuation and Earnings
This table compares Cullman Bancorp and NB Bancorp’s top-line revenue, earnings per share (EPS) 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 | 19.04 |
NB Bancorp | $236.08 million | 2.63 | $9.82 million | N/A | N/A |
NB Bancorp has higher revenue and earnings than Cullman Bancorp.
Analyst Ratings
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Cullman Bancorp | 0 | 0 | 0 | 0 | N/A |
NB Bancorp | 0 | 0 | 1 | 0 | 3.00 |
NB Bancorp has a consensus target price of $17.00, indicating a potential upside of 17.08%. Given NB Bancorp’s higher possible upside, analysts clearly believe NB Bancorp is more favorable than Cullman Bancorp.
Institutional and Insider Ownership
25.7% of Cullman Bancorp shares are owned by institutional investors. 16.8% of Cullman Bancorp shares are owned by insiders. Comparatively, 1.7% of NB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Profitability
This table compares Cullman Bancorp and NB 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% |
NB Bancorp | N/A | N/A | N/A |
Summary
Cullman Bancorp beats NB Bancorp on 6 of the 10 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 NB Bancorp
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
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