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Cullman Bancorp, Inc. (CULL) vs Summit State Bank (SSBI)

Cullman Bancorp, Inc. and Summit State Bank are both Banks Regional companies. Summit State Bank is the larger, with a market value of $81.7M against $65.2M — 1.3× the size. Cullman Bancorp, Inc. trades at the lower P/E: 32.5× against 36.5×. Cullman Bancorp, Inc. grew revenue faster over the last twelve months: 12.3% against −7.63%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs 3.87%) and the higher return on invested capital (2.22% vs 0.00%). Only Cullman Bancorp, Inc. pays a dividend (0.70%). Across the 18 metrics below, Cullman Bancorp, Inc. leads on 12 and Summit State Bank on 6.

Valuation

Metric CULL SSBI Banks Regional median
P/E 32.55 36.47 11.98
P/S 5.38 1.44 2.34
P/B 1.15 n/m 1.19
Price to free cash flow 124.41 13.85 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.07% 2.74% 8.23%
Free cash flow yield 0.80% 7.22% 9.08%

Profitability

Metric CULL SSBI Banks Regional median
Gross margin 76.51% 100.00% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.97% 3.87% 18.66%
Free cash flow margin 4.32% 0.00% 21.11%
Return on equity 3.63% 0.00% 10.65%
Return on assets 0.87% 0.00% 1.13%
Return on invested capital 2.22% 0.00% 8.35%

Growth

Metric CULL SSBI Banks Regional median
Revenue growth (TTM) 12.28% (7.63%) 6.98%
EPS growth (last fiscal year) (10.33%) 287.04% 18.88%
Revenue growth, 5-year CAGR 10.53% 7.55% 12.38%
Net income growth, 5-year CAGR 0.59% (8.36%) 9.71%

Health

Metric CULL SSBI Banks Regional median
Debt to equity 0.44 0.08 0.22
Current ratio 1.35 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CULL SSBI Banks Regional median
Dividend yield 0.70% 0.00% 2.57%
Payout ratio — 0.00 0.30

Size

Metric CULL SSBI Banks Regional median
Market cap 65.15m 81.66m 913.33m

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