Cullman Bancorp, Inc. (CULL) vs NSTS Bancorp, Inc. (NSTS)

Cullman Bancorp, Inc. and NSTS Bancorp, Inc. are both Banks Regional companies. NSTS Bancorp, Inc. is the larger, with a market value of $74.1M against $65.2M — 1.1× the size. NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Cullman Bancorp, Inc. trades at 32.1×. Cullman Bancorp, Inc. grew revenue faster over the last twelve months: 12.3% against 7.00%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs −0.31%) and the higher return on invested capital (2.22% vs −0.09%). Across the 18 metrics below, NSTS Bancorp, Inc. leads on 10 and Cullman Bancorp, Inc. on 8.

Valuation

Metric CULL NSTS Banks Regional median
P/E 32.06 n/m 12.15
P/S 5.29 4.99 2.37
P/B 1.13 0.87 1.21
Price to free cash flow 122.53 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 6.57 1.48 2.27
Earnings yield 3.12% (0.06%) 8.11%
Free cash flow yield 0.82% 22.83% 8.98%

Profitability

Metric CULL NSTS Banks Regional median
Gross margin 76.51% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.97% (0.31%) 18.66%
Free cash flow margin 4.32% 113.89% 21.18%
Return on equity 3.63% (0.05%) 10.64%
Return on assets 0.87% (0.02%) 1.13%
Return on invested capital 2.22% (0.09%) 8.33%

Growth

Metric CULL NSTS Banks Regional median
Revenue growth (TTM) 12.28% 7.00% 6.61%
EPS growth (last fiscal year) (10.33%) 50.00% —
Revenue growth, 5-year CAGR 10.53% 11.74% 12.30%
Net income growth, 5-year CAGR 0.59% 0.00% 9.71%

Health

Metric CULL NSTS Banks Regional median
Debt to equity 0.44 0.00 0.22
Current ratio 1.35 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CULL NSTS Banks Regional median
Market cap 65.15m 74.12m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack