Carver Bancorp, Inc. (CARV) vs Cullman Bancorp, Inc. (CULL)
Carver Bancorp, Inc. and Cullman Bancorp, Inc. are both Banks Regional companies. Cullman Bancorp, Inc. is the larger, with a market value of $65.2M against $6.3M — 10.4× the size. Carver Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Cullman Bancorp, Inc. trades at 32.1×. Cullman Bancorp, Inc. grew revenue faster over the last twelve months: 12.3% against 5.17%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs −18.7%) and the higher return on invested capital (2.22% vs −21.1%). Across the 17 metrics below, Cullman Bancorp, Inc. leads on 14 and Carver Bancorp, Inc. on 3.
Valuation
Profitability
| Metric | CARV | CULL | Banks Regional median |
|---|---|---|---|
| Gross margin | 68.30% | 76.51% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (18.71%) | 16.97% | 18.66% |
| Free cash flow margin | 0.00% | 4.32% | 21.18% |
| Return on equity | (176.08%) | 3.63% | 10.64% |
| Return on assets | (1.09%) | 0.87% | 1.13% |
| Return on invested capital | (21.13%) | 2.22% | 8.33% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack