Cullman Bancorp, Inc. (CULL) vs OFS Credit Company, Inc. (OCCI)

Cullman Bancorp, Inc. and OFS Credit Company, Inc. are both in the Financial sector (Banks Regional and Closed End Fund Debt). Cullman Bancorp, Inc. and OFS Credit Company, Inc. are of similar size ($66.7M and $65.2M). OFS Credit Company, Inc. has negative trailing earnings, so its P/E is not meaningful; Cullman Bancorp, Inc. trades at 32.1×. Both pay a dividend; OFS Credit Company, Inc. yields more (27.9% vs 1.11%). Across the 4 metrics below, Cullman Bancorp, Inc. leads on 3 and OFS Credit Company, Inc. on 1.

Valuation

Metric CULL OCCI
P/E 32.06 n/m
P/S 5.29 —
P/B 1.13 —
Price to free cash flow 122.53 —
EV/EBITDA n/m —
EV/Sales 6.57 —
Earnings yield 3.12% (53.74%)
Free cash flow yield 0.82% —

Profitability

Metric CULL OCCI
Gross margin 76.51% —
Operating margin 0.00% —
Net margin 16.97% —
Free cash flow margin 4.32% —
Return on equity 3.63% —
Return on assets 0.87% 0.00%
Return on invested capital 2.22% —

Growth

Metric CULL OCCI
Revenue growth (TTM) 12.28% —
EPS growth (last fiscal year) (10.33%) (143.33%)
Revenue growth, 5-year CAGR 10.53% —
Net income growth, 5-year CAGR 0.59% —

Health

Metric CULL OCCI
Debt to equity 0.44 —
Current ratio 1.35 —
Net debt to EBITDA 0.00 —

Dividend

Metric CULL OCCI
Dividend yield 1.11% 27.94%
Payout ratio 0.22 12.17

Size

Metric CULL OCCI
Market cap 65.15m 66.68m

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