Cullman Bancorp, Inc. (CULL) vs Generations Bancorp NY, Inc. (GBNY)
Cullman Bancorp, Inc. and Generations Bancorp NY, Inc. are both Banks Regional companies. Cullman Bancorp, Inc. is the larger, with a market value of $65.2M against $35.1M — 1.9× the size. Generations Bancorp NY, Inc. has negative trailing earnings, so its P/E is not meaningful; Cullman Bancorp, Inc. trades at 32.1×. Generations Bancorp NY, Inc. grew revenue faster over the last twelve months: 19.2% against 12.3%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs −13.2%) and the higher return on invested capital (2.22% vs −4.85%). Across the 17 metrics below, Cullman Bancorp, Inc. leads on 13 and Generations Bancorp NY, Inc. on 4.
Valuation
Profitability
| Metric | CULL | GBNY | Banks Regional median |
|---|---|---|---|
| Gross margin | 76.51% | 51.21% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 16.97% | (13.15%) | 18.66% |
| Free cash flow margin | 4.32% | (0.21%) | 21.18% |
| Return on equity | 3.63% | (7.27%) | 10.64% |
| Return on assets | 0.87% | (0.66%) | 1.13% |
| Return on invested capital | 2.22% | (4.85%) | 8.33% |
Growth
Health
Dividend
Size
Any metric, up to five companies and an Excel export Powerpack