Cullman Bancorp, Inc. (CULL) vs SHF Holdings, Inc. (SHFS)
Cullman Bancorp, Inc. and SHF Holdings, Inc. are both Banks Regional companies. Cullman Bancorp, Inc. is the larger, with a market value of $65.2M against $2.1M — 31.6× the size. SHF Holdings, 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 −28.6%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs −64.1%) and the higher return on invested capital (2.22% vs −879.5%). Across the 19 metrics below, Cullman Bancorp, Inc. leads on 11 and SHF Holdings, Inc. on 8.
Valuation
Profitability
| Metric | CULL | SHFS | Banks Regional median |
|---|---|---|---|
| Gross margin | 76.51% | 100.00% | 69.57% |
| Operating margin | 0.00% | (66.95%) | 0.00% |
| Net margin | 16.97% | (64.13%) | 18.66% |
| Free cash flow margin | 4.32% | (56.83%) | 21.18% |
| Return on equity | 3.63% | 85.14% | 10.64% |
| Return on assets | 0.87% | (49.79%) | 1.13% |
| Return on invested capital | 2.22% | (879.51%) | 8.33% |
Growth
Health
Dividend
Size
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