Cullman Bancorp (NASDAQ:CULL) vs. SR Bancorp (NASDAQ:SRBK) Critical Review

Cullman Bancorp (NASDAQ:CULL) and SR Bancorp (NASDAQ:SRBK) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, risk, earnings, institutional ownership, valuation, dividends and profitability.

Profitability

This table compares Cullman Bancorp and SR Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cullman Bancorp	16.90%	3.60%	0.88%
SR Bancorp	-28.30%	-5.49%	-1.02%

Institutional and Insider Ownership

25.7% of Cullman Bancorp shares are owned by institutional investors. Comparatively, 24.7% of SR Bancorp shares are owned by institutional investors. 16.8% of Cullman Bancorp shares are owned by insiders. Comparatively, 3.6% of SR Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares Cullman Bancorp and SR Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cullman Bancorp	$16.54 million	4.20	$3.95 million	$0.50	19.18
SR Bancorp	$38.38 million	2.71	-$10.86 million	($10.07)	-1.10

Cullman Bancorp has higher earnings, but lower revenue than SR Bancorp. SR Bancorp is trading at a lower price-to-earnings ratio than Cullman Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of current ratings for Cullman Bancorp and SR Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cullman Bancorp	0	0	0	0	N/A
SR Bancorp	0	0	0	0	N/A

Summary

Cullman Bancorp beats SR Bancorp on 9 of the 10 factors compared between the two stocks.

About Cullman Bancorp

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services in the United States. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, multi-family real estate, and consumer loans; term, line of credit, and agricultural loans; mortgage, home equity, and personal and auto loans; and invests in securities. In addition, it offers debit and credit card services; online banking, automated clearing house, and merchant services; and mobile banking, bill pay, and ATM services. Cullman Bancorp, Inc. was founded in 1887 and is headquartered in Cullman, Alabama.

About SR Bancorp

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides customary retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Somerset, Middlesex, Hunterdon, and Essex counties in New Jersey. It offers deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides loans comprising one- to four family-residential mortgage loans, home equity loans and lines of credit, unsecured personal loans, and rehabilitation loans; and bill payment services. In addition, it is involved in the investment activities. The company was founded in 1887 and is headquartered in Bound Brook, New Jersey.