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

Metric CULL GBNY Banks Regional median
P/E 32.06 n/m 12.15
P/S 5.29 1.74 2.37
P/B 1.13 0.98 1.21
Price to free cash flow 122.53 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 6.57 2.15 2.27
Earnings yield 3.12% (7.58%) 8.11%
Free cash flow yield 0.82% (0.12%) 8.98%

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

Metric CULL GBNY Banks Regional median
Revenue growth (TTM) 12.28% 19.21% 6.61%
EPS growth (last fiscal year) (10.33%) (253.00%) —
Revenue growth, 5-year CAGR 10.53% 8.97% 12.30%
Net income growth, 5-year CAGR 0.59% 0.00% 9.71%

Health

Metric CULL GBNY Banks Regional median
Debt to equity 0.44 0.60 0.22
Current ratio 1.35 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CULL GBNY Banks Regional median
Market cap 65.15m 35.11m 921.07m

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