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Cullman Bancorp, Inc. (CULL) vs Kentucky First Federal Bancorp (KFFB)

Cullman Bancorp, Inc. and Kentucky First Federal Bancorp are both Banks Regional companies. Cullman Bancorp, Inc. is the larger, with a market value of $65.2M against $43.8M — 1.5× the size. Kentucky First Federal Bancorp trades at the lower P/E: 23.1× against 32.5×. Cullman Bancorp, Inc. grew revenue faster over the last twelve months: 12.3% against 8.53%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs 8.91%) and the higher return on invested capital (2.22% vs 1.95%). Both pay a dividend; Kentucky First Federal Bancorp yields more (0.93% vs 0.70%). Across the 19 metrics below, Kentucky First Federal Bancorp leads on 12 and Cullman Bancorp, Inc. on 7.

Valuation

Metric CULL KFFB Banks Regional median
P/E 32.55 23.07 11.98
P/S 5.38 2.04 2.34
P/B 1.15 0.87 1.19
Price to free cash flow 124.41 39.31 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.07% 4.34% 8.23%
Free cash flow yield 0.80% 2.54% 9.08%

Profitability

Metric CULL KFFB Banks Regional median
Gross margin 76.51% 54.81% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.97% 8.91% 18.66%
Free cash flow margin 4.32% 5.19% 21.11%
Return on equity 3.63% 3.87% 10.65%
Return on assets 0.87% 0.52% 1.13%
Return on invested capital 2.22% 1.95% 8.35%

Growth

Metric CULL KFFB Banks Regional median
Revenue growth (TTM) 12.28% 8.53% 6.98%
EPS growth (last fiscal year) (10.33%) 1,080.50% 18.88%
Revenue growth, 5-year CAGR 10.53% 10.94% 12.38%
Net income growth, 5-year CAGR 0.59% 0.96% 9.71%

Health

Metric CULL KFFB Banks Regional median
Debt to equity 0.44 0.97 0.22
Current ratio 1.35 1.29 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CULL KFFB Banks Regional median
Dividend yield 0.70% 0.93% 2.57%
Payout ratio — 0.21 0.30

Size

Metric CULL KFFB Banks Regional median
Market cap 65.15m 43.75m 913.33m

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