Cullman Bancorp, Inc. (CULL) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

Cullman Bancorp, Inc. and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. Home Federal Bancorp, Inc. of Louisiana is the larger, with a market value of $76.1M against $65.2M — 1.2× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 12.7× against 32.1×. Cullman Bancorp, Inc. grew revenue faster over the last twelve months: 12.3% against 5.66%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs 17.0%) and the higher return on invested capital (13.5% vs 2.22%). Both pay a dividend; Home Federal Bancorp, Inc. of Louisiana yields more (3.75% vs 1.11%). Across the 20 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 14 and Cullman Bancorp, Inc. on 6.

Valuation

Metric CULL HFBL Banks Regional median
P/E 32.06 12.65 12.15
P/S 5.29 2.18 2.37
P/B 1.13 1.29 1.21
Price to free cash flow 122.53 11.52 10.80
EV/EBITDA n/m n/m —
EV/Sales 6.57 1.50 2.27
Earnings yield 3.12% 7.90% 8.11%
Free cash flow yield 0.82% 8.68% 8.98%

Profitability

Metric CULL HFBL Banks Regional median
Gross margin 76.51% 68.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.97% 17.27% 18.66%
Free cash flow margin 4.32% 18.93% 21.18%
Return on equity 3.63% 10.51% 10.64%
Return on assets 0.87% 0.94% 1.13%
Return on invested capital 2.22% 13.49% 8.33%

Growth

Metric CULL HFBL Banks Regional median
Revenue growth (TTM) 12.28% 5.66% 6.61%
EPS growth (last fiscal year) (10.33%) 6.78% —
Revenue growth, 5-year CAGR 10.53% 6.02% 12.30%
Net income growth, 5-year CAGR 0.59% 0.20% 9.71%

Health

Metric CULL HFBL Banks Regional median
Debt to equity 0.44 0.10 0.22
Current ratio 1.35 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CULL HFBL Banks Regional median
Dividend yield 1.11% 3.75% 3.75%
Payout ratio 0.22 0.27 0.27

Size

Metric CULL HFBL Banks Regional median
Market cap 65.15m 76.06m 921.07m

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