Cullman Bancorp, Inc. (CULL) vs Marathon Bancorp, Inc. (MBBC)

Cullman Bancorp, Inc. and Marathon Bancorp, Inc. are both Banks Regional companies. Cullman Bancorp, Inc. is the larger, with a market value of $65.2M against $46.0M — 1.4× the size. Cullman Bancorp, Inc. trades at the lower P/E: 32.1× against 36.3×. Marathon Bancorp, Inc. grew revenue faster over the last twelve months: 23.6% against 12.3%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs 14.1%) and the lower return on invested capital (2.22% vs 2.98%). Across the 19 metrics below, Marathon Bancorp, Inc. leads on 12 and Cullman Bancorp, Inc. on 7.

Valuation

Metric CULL MBBC Banks Regional median
P/E 32.06 36.26 12.15
P/S 5.29 3.23 2.37
P/B 1.13 0.86 1.21
Price to free cash flow 122.53 20.36 10.80
EV/EBITDA n/m n/m —
EV/Sales 6.57 3.16 2.27
Earnings yield 3.12% 2.76% 8.11%
Free cash flow yield 0.82% 4.91% 8.98%

Profitability

Metric CULL MBBC Banks Regional median
Gross margin 76.51% 70.96% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.97% 14.07% 18.66%
Free cash flow margin 4.32% 15.87% 21.18%
Return on equity 3.63% 3.82% 10.64%
Return on assets 0.87% 0.72% 1.13%
Return on invested capital 2.22% 2.98% 8.33%

Growth

Metric CULL MBBC Banks Regional median
Revenue growth (TTM) 12.28% 23.59% 6.61%
EPS growth (last fiscal year) (10.33%) 123.09% —
Revenue growth, 5-year CAGR 10.53% 4.37% 12.30%
Net income growth, 5-year CAGR 0.59% 1.39% 9.71%

Health

Metric CULL MBBC Banks Regional median
Debt to equity 0.44 0.42 0.22
Current ratio 1.35 1.26 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CULL MBBC Banks Regional median
Market cap 65.15m 45.99m 921.07m

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