Analyzing Northeast Community Bancorp (OTCMKTS:NECB) and Cullman Bancorp (NASDAQ:CULL)
Analyzing Northeast Community Bancorp (OTCMKTS:NECB) and Cullman Bancorp (NASDAQ:CULL)
Cullman Bancorp (NASDAQ:CULL – Get Rating) and Northeast Community Bancorp (OTCMKTS:NECB – Get Rating) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, analyst recommendations, dividends, institutional ownership, earnings, valuation and profitability.
卡尔曼银行(纳斯达克：CAIL-GET Rating)和东北社区银行(OTCMKTS：NECB-GET Rating)都是小盘股金融公司，但哪种投资更好？我们将根据这两家公司的风险、分析师建议、股息、机构所有权、收益、估值和盈利能力对它们进行比较。
Profitability
盈利能力
This table compares Cullman Bancorp and Northeast Community Bancorp's net margins, return on equity and return on assets.
此表比较了卡尔曼银行和东北社区银行的净利润率、股本回报率和资产回报率。
| Net Margins | Return on Equity | Return on Assets | |
| Cullman Bancorp | 15.38% | 2.47% | 0.67% |
| Northeast Community Bancorp | 25.53% | 5.56% | 1.16% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| 卡尔曼银行 | 15.38% | 2.47% | 0.67% |
| 东北社区银行 | 25.53% | 5.56% | 1.16% |
Volatility & Risk
波动性与风险
Cullman Bancorp has a beta of -0.05, indicating that its share price is 105% less volatile than the S&P 500. Comparatively, Northeast Community Bancorp has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500.
卡尔曼银行的贝塔系数为-0.05，表明其股价的波动性比标准普尔500指数低105%。相比之下，东北社区银行的贝塔系数为0.6，表明其股价的波动性比标准普尔500指数低40%。
Dividends
分红
Valuation & Earnings
估值与收益
This table compares Cullman Bancorp and Northeast Community Bancorp's revenue, earnings per share (EPS) and valuation.
此表比较了卡尔曼银行和东北社区银行的收入、每股收益(EPS)和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Cullman Bancorp | $14.88 million | 5.63 | $1.75 million | $0.34 | 33.25 |
| Northeast Community Bancorp | $50.76 million | 4.03 | $11.90 million | $0.90 | 13.91 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| 卡尔曼银行 | 1,488万美元 | 5.63 | 175万美元 | $0.34 | 33.25 |
| 东北社区银行 | 5,076万美元 | 4.03 | 1190万美元 | $0.90 | 13.91 |
Northeast Community Bancorp has higher revenue and earnings than Cullman Bancorp. Northeast Community 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.
东北社区银行的收入和收益高于卡尔曼银行。东北社区银行的市盈率低于卡尔曼银行，表明它目前是两只股票中更负担得起的一只。
Institutional & Insider Ownership
机构与内部人持股
6.5% of Cullman Bancorp shares are held by institutional investors. Comparatively, 25.8% of Northeast Community Bancorp shares are held by institutional investors. 15.7% of Cullman Bancorp shares are held by company insiders. Comparatively, 2.3% of Northeast Community Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
卡尔曼银行6.5%的股份由机构投资者持有。相比之下，东北社区银行25.8%的股份由机构投资者持有。卡尔曼银行15.7%的股份由公司内部人士持有。相比之下，东北社区银行2.3%的股份由公司内部人士持有。强大的机构持股表明，捐赠基金、大型基金经理和对冲基金相信，从长期来看，一只股票的表现将好于大盘。
Analyst Recommendations
分析师建议
This is a breakdown of current recommendations for Cullman Bancorp and Northeast Community Bancorp, as reported by MarketBeat.
据MarketBeat报道，这是对卡尔曼银行和东北社区银行当前建议的细分。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Cullman Bancorp | 0 | 0 | 0 | 0 | N/A |
| Northeast Community Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| 卡尔曼银行 | 0 | 0 | 0 | 0 | 不适用 |
| 东北社区银行 | 0 | 0 | 1 | 0 | 3.00 |
Northeast Community Bancorp has a consensus price target of $12.50, suggesting a potential downside of 0.17%. Given Northeast Community Bancorp's higher probable upside, analysts plainly believe Northeast Community Bancorp is more favorable than Cullman Bancorp.
东北社区银行的普遍目标价为12.50美元，这意味着潜在的下行幅度为0.17%。考虑到东北社区银行更有可能上行，分析师显然认为东北社区银行比卡尔曼银行更有利。
Summary
摘要
Northeast Community Bancorp beats Cullman Bancorp on 12 of the 15 factors compared between the two stocks.
东北社区银行在两只股票之间进行比较的15个因素中，有12个超过了卡尔曼银行。
About Cullman Bancorp
关于卡尔曼银行
(Get Rating)
(获取评级)
Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services. 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; and invests in securities. It operates three branch offices in Cullman, Alabama; and one branch office in Hanceville, Alabama. The company was founded in 1887 and is headquartered in Cullman, Alabama.
卡尔曼银行股份有限公司是卡尔曼储蓄银行的控股公司，提供各种银行产品和服务。它提供支票、储蓄和个人退休账户，以及存单账户。该公司还提供一至四户住宅房地产、商业房地产、商业和工业、建筑、多户房地产和消费贷款；并投资于证券。它在阿拉巴马州的卡尔曼经营着三个分支机构，在阿拉巴马州的汉斯维尔经营着一个分支机构。该公司成立于1887年，总部设在阿拉巴马州的卡尔曼。
About Northeast Community Bancorp
关于东北社区银行
(Get Rating)
(获取评级)
Northeast Community Bancorp, Inc. operates as the holding company for NorthEast Community Bank that provides financial services for individuals and businesses. It accepts various deposit instruments, including checking accounts, money market accounts, regular savings accounts, and non-interest bearing demand accounts. The company also offers construction, commercial and industrial, multifamily and mixed-use real estate, non-residential real estate loans, and consumer loans. In addition, it invests in various types of liquid assets, including U.S. Treasury obligations, municipal securities, deposits at the Federal Home Loan Bank of New York, and certificates of deposit of federally insured institutions, as well as securities of various federal agencies, and of state and municipal governments. Further, the company offers investment advisory and financial planning services; and life insurance products and fixed-rate annuities. It operates seven full-service branches in New York and three full-service branches in Massachusetts; and loan production offices in White Plains and New City, New York, as well as Danvers, Massachusetts. The company was founded in 1934 and is based in White Plains, New York.
东北社区银行是东北社区银行的控股公司，为个人和企业提供金融服务。它接受各种存款工具，包括支票账户、货币市场账户、定期储蓄账户和无息活期账户。该公司还提供建筑、商业和工业、多户和混合用途房地产、非住宅房地产贷款和消费贷款。此外，它还投资于各种类型的流动资产，包括美国国债、市政债券、纽约联邦住房贷款银行的存款、联邦保险机构的存单，以及各种联邦机构以及州和市政府的证券。此外，该公司还提供投资咨询和财务规划服务；以及人寿保险产品和固定利率年金。它在纽约经营着7家提供全方位服务的分支机构，在马萨诸塞州经营着3家提供全方位服务的分支机构；在纽约的怀特普莱恩斯和纽约市以及马萨诸塞州的丹弗斯设有贷款制作办事处。该公司成立于1934年，总部设在纽约州怀特普莱恩斯。
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