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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 $1.6M — 42.0× the size. SHF Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Cullman Bancorp, Inc. trades at 32.5×. 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 18 metrics below, Cullman Bancorp, Inc. leads on 11 and SHF Holdings, Inc. on 7.

Valuation

Metric CULL SHFS Banks Regional median
P/E 32.55 n/m 12.46
P/S 5.38 0.00 2.41
P/B 1.15 0.00 1.26
Price to free cash flow 124.41 n/m 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.07% (23,769.40%) 7.96%
Free cash flow yield 0.80% (16,097.38%) 8.80%

Profitability

Metric CULL SHFS Banks Regional median
Gross margin 76.51% 100.00% 69.75%
Operating margin 0.00% (66.95%) 0.00%
Net margin 16.97% (64.13%) 18.88%
Free cash flow margin 4.32% (56.83%) 17.28%
Return on equity 3.63% 85.14% 10.43%
Return on assets 0.87% (49.79%) 1.14%
Return on invested capital 2.22% (879.51%) 8.47%

Growth

Metric CULL SHFS Banks Regional median
Revenue growth (TTM) 12.28% (28.59%) 6.94%
EPS growth (last fiscal year) (10.33%) 95.30% 18.88%
Revenue growth, 5-year CAGR 10.53% 1.84% 12.56%
Net income growth, 5-year CAGR 0.59% 0.00% 9.78%

Health

Metric CULL SHFS Banks Regional median
Debt to equity 0.44 0.00 0.20
Current ratio 1.35 1.76 0.94
Net debt to EBITDA 0.00 1.30 0.00

Dividend

Metric CULL SHFS Banks Regional median
Dividend yield 0.70% — 2.64%
Payout ratio — — 0.32

Size

Metric CULL SHFS Banks Regional median
Market cap 65.15m 1.55m 910.32m

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