Pricing Log in Create free account

Cullman Bancorp, Inc. (CULL) vs FIRST US BANCSH (FUSB)

Cullman Bancorp, Inc. and FIRST US BANCSH are both Banks Regional companies. FIRST US BANCSH is the larger, with a market value of $84.5M against $65.2M — 1.3× the size. FIRST US BANCSH trades at the lower P/E: 11.9× against 32.5×. Cullman Bancorp, Inc. grew revenue faster over the last twelve months: 12.3% against 3.13%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs 12.2%) and the lower return on invested capital (2.22% vs 15.4%). Both pay a dividend; FIRST US BANCSH yields more (1.71% vs 0.70%). Across the 19 metrics below, FIRST US BANCSH leads on 12 and Cullman Bancorp, Inc. on 7.

Valuation

Metric CULL FUSB Banks Regional median
P/E 32.55 11.88 12.02
P/S 5.38 1.39 2.36
P/B 1.15 0.92 1.23
Price to free cash flow 124.41 8.65 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.07% 8.41% 8.21%
Free cash flow yield 0.80% 11.56% 9.23%

Profitability

Metric CULL FUSB Banks Regional median
Gross margin 76.51% 65.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.97% 12.15% 18.82%
Free cash flow margin 4.32% 17.36% 17.97%
Return on equity 3.63% 7.75% 10.28%
Return on assets 0.87% 0.67% 1.13%
Return on invested capital 2.22% 15.39% 8.45%

Growth

Metric CULL FUSB Banks Regional median
Revenue growth (TTM) 12.28% 3.13% 6.37%
EPS growth (last fiscal year) (10.33%) (24.81%) 18.85%
Revenue growth, 5-year CAGR 10.53% 6.78% 12.65%
Net income growth, 5-year CAGR 0.59% 17.22% 9.81%

Health

Metric CULL FUSB Banks Regional median
Debt to equity 0.44 0.11 0.17
Current ratio 1.35 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CULL FUSB Banks Regional median
Dividend yield 0.70% 1.71% 2.49%
Payout ratio — 0.21 0.29

Size

Metric CULL FUSB Banks Regional median
Market cap 65.15m 84.47m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack