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.
卡爾曼銀行(納斯達克：CAIL-GET Rating)和東北社區銀行(OTCMKTS：NECB-GET Rating)都是小盤股金融公司，但哪種投資更好？我們將根據這兩家公司的風險、分析師建議、股息、機構所有權、收益、估值和盈利能力對它們進行比較。
Profitability
盈利能力
This table compares Cullman Bancorp and Northeast Community Bancorp's net margins, return on equity and return on assets.
此表比較了卡爾曼銀行和東北社區銀行的淨利潤率、股本回報率和資產回報率。
| 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% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| 卡爾曼銀行 | 15.38% | 2.47% | 0.67% |
| 東北社區銀行 | 25.53% | 5.56% | 1.16% |
Volatility & Risk
波動性與風險
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.
卡爾曼銀行的貝塔係數為-0.05，表明其股價的波動性比標準普爾500指數低105%。相比之下，東北社區銀行的貝塔係數為0.6，表明其股價的波動性比標準普爾500指數低40%。
Dividends
分紅
Valuation & Earnings
估值與收益
This table compares Cullman Bancorp and Northeast Community Bancorp's revenue, earnings per share (EPS) and valuation.
此表比較了卡爾曼銀行和東北社區銀行的收入、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 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| 卡爾曼銀行 | 1,488萬美元 | 5.63 | 175萬美元 | $0.34 | 33.25 |
| 東北社區銀行 | 5,076萬美元 | 4.03 | 1190萬美元 | $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.
東北社區銀行的收入和收益高於卡爾曼銀行。東北社區銀行的市盈率低於卡爾曼銀行，表明它目前是兩隻股票中更負擔得起的一隻。
Institutional & Insider Ownership
機構與內部人持股
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.
卡爾曼銀行6.5%的股份由機構投資者持有。相比之下，東北社區銀行25.8%的股份由機構投資者持有。卡爾曼銀行15.7%的股份由公司內部人士持有。相比之下，東北社區銀行2.3%的股份由公司內部人士持有。強大的機構持股表明，捐贈基金、大型基金經理和對衝基金相信，從長期來看，一隻股票的表現將好於大盤。
Analyst Recommendations
分析師建議
This is a breakdown of current recommendations for Cullman Bancorp and Northeast Community Bancorp, as reported by MarketBeat.
據MarketBeat報道，這是對卡爾曼銀行和東北社區銀行當前建議的細分。
| 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 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 卡爾曼銀行 | 0 | 0 | 0 | 0 | 不適用 |
| 東北社區銀行 | 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.
東北社區銀行的普遍目標價為12.50美元，這意味着潛在的下行幅度為0.17%。考慮到東北社區銀行更有可能上行，分析師顯然認為東北社區銀行比卡爾曼銀行更有利。
Summary
摘要
Northeast Community Bancorp beats Cullman Bancorp on 12 of the 15 factors compared between the two stocks.
東北社區銀行在兩隻股票之間進行比較的15個因素中，有12個超過了卡爾曼銀行。
About Cullman Bancorp
關於卡爾曼銀行
(Get Rating)
(獲取評級)
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.
卡爾曼銀行股份有限公司是卡爾曼儲蓄銀行的控股公司，提供各種銀行產品和服務。它提供支票、儲蓄和個人退休賬户，以及存單賬户。該公司還提供一至四户住宅房地產、商業房地產、商業和工業、建築、多户房地產和消費貸款；並投資於證券。它在阿拉巴馬州的卡爾曼經營着三個分支機構，在阿拉巴馬州的漢斯維爾經營着一個分支機構。該公司成立於1887年，總部設在阿拉巴馬州的卡爾曼。
About Northeast Community Bancorp
關於東北社區銀行
(Get Rating)
(獲取評級)
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.
東北社區銀行是東北社區銀行的控股公司，為個人和企業提供金融服務。它接受各種存款工具，包括支票賬户、貨幣市場賬户、定期儲蓄賬户和無息活期賬户。該公司還提供建築、商業和工業、多户和混合用途房地產、非住宅房地產貸款和消費貸款。此外，它還投資於各種類型的流動資產，包括美國國債、市政債券、紐約聯邦住房貸款銀行的存款、聯邦保險機構的存單，以及各種聯邦機構以及州和市政府的證券。此外，該公司還提供投資諮詢和財務規劃服務；以及人壽保險產品和固定利率年金。它在紐約經營着7家提供全方位服務的分支機構，在馬薩諸塞州經營着3家提供全方位服務的分支機構；在紐約的懷特普萊恩斯和紐約市以及馬薩諸塞州的丹弗斯設有貸款製作辦事處。該公司成立於1934年，總部設在紐約州懷特普萊恩斯。
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