Critical Comparison: Cullman Bancorp (NASDAQ:CULL) versus NB Bancorp (NASDAQ:NBBK)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Cullman Bancorp	18.67%	3.90%	0.95%
NB Bancorp	N/A	N/A	N/A

Valuation & Earnings

This table compares Cullman Bancorp and NB Bancorp’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cullman Bancorp	$21.17 million	3.47	$3.95 million	$0.54	18.69
NB Bancorp	$236.08 million	2.64	$9.82 million	N/A	N/A

NB Bancorp has higher revenue and earnings than Cullman Bancorp.

Institutional & Insider Ownership

25.7% of Cullman Bancorp shares are held by institutional investors. 16.8% of Cullman Bancorp shares are held by company insiders. Comparatively, 1.7% of NB Bancorp shares are held by company 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.

Analyst Recommendations

This is a breakdown of recent ratings for Cullman Bancorp and NB Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cullman Bancorp	0	0	0	0	N/A
NB Bancorp	0	0	1	0	3.00

NB Bancorp has a consensus target price of $17.00, indicating a potential upside of 16.60%. Given NB Bancorp’s higher possible upside, analysts clearly believe NB Bancorp is more favorable than Cullman Bancorp.

Summary

Cullman Bancorp beats NB Bancorp on 6 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 NB Bancorp

NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.