Cullman Bancorp, Inc. (CULL) vs Texas Community Bancshares, Inc. (TCBS)

Cullman Bancorp, Inc. and Texas Community Bancshares, Inc. are both Banks Regional companies. Cullman Bancorp, Inc. is the larger, with a market value of $65.2M against $48.8M — 1.3× the size. Texas Community Bancshares, Inc. trades at the lower P/E: 13.4× against 32.1×. Cullman Bancorp, Inc. grew revenue faster over the last twelve months: 12.3% against 5.96%. Cullman Bancorp, Inc. has the higher net margin (17.0% vs 12.7%) and the lower return on invested capital (2.22% vs 2.83%). Both pay a dividend; Cullman Bancorp, Inc. yields more (1.11% vs 0.78%). Across the 20 metrics below, Texas Community Bancshares, Inc. leads on 13 and Cullman Bancorp, Inc. on 7.

Valuation

Metric CULL TCBS Banks Regional median
P/E 32.06 13.39 12.15
P/S 5.29 1.72 2.37
P/B 1.13 0.82 1.21
Price to free cash flow 122.53 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 6.57 2.90 2.27
Earnings yield 3.12% 7.47% 8.11%
Free cash flow yield 0.82% 5.15% 8.98%

Profitability

Metric CULL TCBS Banks Regional median
Gross margin 76.51% 66.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.97% 12.68% 18.66%
Free cash flow margin 4.32% 8.85% 21.18%
Return on equity 3.63% 6.16% 10.64%
Return on assets 0.87% 0.75% 1.13%
Return on invested capital 2.22% 2.83% 8.33%

Growth

Metric CULL TCBS Banks Regional median
Revenue growth (TTM) 12.28% 5.96% 6.61%
EPS growth (last fiscal year) (10.33%) 327.27% —
Revenue growth, 5-year CAGR 10.53% 15.65% 12.30%
Net income growth, 5-year CAGR 0.59% 30.57% 9.71%

Health

Metric CULL TCBS Banks Regional median
Debt to equity 0.44 0.84 0.22
Current ratio 1.35 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CULL TCBS Banks Regional median
Dividend yield 1.11% 0.78% 3.75%
Payout ratio 0.22 1.67 0.27

Size

Metric CULL TCBS Banks Regional median
Market cap 65.15m 48.84m 921.07m

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