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

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

Analyst Recommendations

This is a breakdown of current ratings and price targets for SR Bancorp and Cullman Bancorp, as provided by MarketBeat.com.

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SR Bancorp	$26.88 million	3.95	-$10.86 million	($10.07)	-1.11
Cullman Bancorp	$16.54 million	4.28	$3.95 million	$0.50	19.54

Cullman Bancorp has lower revenue, but higher earnings 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
SR Bancorp	-28.30%	-5.52%	-1.01%
Cullman Bancorp	16.90%	3.60%	0.88%

Institutional & Insider Ownership

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

Summary

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

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.

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.