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

Metric CARV CULL Banks Regional median
P/E n/m 32.06 12.15
P/S 0.27 5.29 2.37
P/B 6.36 1.13 1.21
Price to free cash flow n/m 122.53 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.23 6.57 2.27
Earnings yield (79.07%) 3.12% 8.11%
Free cash flow yield (91.32%) 0.82% 8.98%

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

Metric CARV CULL Banks Regional median
Revenue growth (TTM) 5.17% 12.28% 6.61%
EPS growth (last fiscal year) 51.32% (10.33%) —
Revenue growth, 5-year CAGR 8.93% 10.53% 12.30%
Net income growth, 5-year CAGR 0.00% 0.59% 9.71%

Health

Metric CARV CULL Banks Regional median
Debt to equity 1.69 0.44 0.22
Current ratio 1.03 1.35 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CARV CULL Banks Regional median
Dividend yield — 1.11% 3.75%
Payout ratio 0.00 0.22 0.27

Size

Metric CARV CULL Banks Regional median
Market cap 6.29m 65.15m 921.07m

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