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Analyzing Cullman Bancorp (NASDAQ:CULL) and Third Coast Bancshares (NASDAQ:TCBX)

Analyzing Cullman Bancorp (NASDAQ:CULL) and Third Coast Bancshares (NASDAQ:TCBX)

分析卡爾曼銀行(納斯達克:CAIL)和第三海岸銀行(納斯達克:TCBX)
Defense World ·  2023/01/03 01:11

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

卡爾曼銀行(納斯達克:CAIL-GET Rating)和第三海岸銀行股份(納斯達克:TCBX-GET Rating)都是小盤股金融公司,但哪項業務更優越?我們將根據兩家公司的估值、股息、風險、機構所有權、收益、盈利能力和分析師的建議來比較它們的實力。

Risk and Volatility

風險和波動性

Cullman Bancorp has a beta of 0.08, indicating that its stock price is 92% less volatile than the S&P 500. Comparatively, Third Coast Bancshares has a beta of 0.39, indicating that its stock price is 61% less volatile than the S&P 500.

卡爾曼銀行的貝塔係數為0.08,表明其股價的波動性比標準普爾500指數低92%。相比之下,Third Coast BancShares的貝塔係數為0.39,這表明其股價的波動性比標準普爾500指數低61%。

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Valuation and Earnings

估值和收益

This table compares Cullman Bancorp and Third Coast Bancshares' revenue, earnings per share (EPS) and valuation.

該表比較了卡爾曼銀行和第三海岸銀行的營收、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 5.72 $1.75 million $0.53 21.68
Third Coast Bancshares $105.49 million 2.36 $11.42 million $0.83 22.21
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 5.72 175萬美元 $0.53 21.68
第三海岸銀行股份 1.0549億美元 2.36 1142萬美元 $0.83 22.21
Third Coast Bancshares has higher revenue and earnings than Cullman Bancorp. Cullman Bancorp is trading at a lower price-to-earnings ratio than Third Coast Bancshares, indicating that it is currently the more affordable of the two stocks.
Third Coast BancShares的收入和收益高於卡爾曼銀行。卡爾曼Bancorp的市盈率低於Third Coast BancShares,表明它目前是兩隻股票中更負擔得起的一隻。

Analyst Recommendations

分析師建議

This is a breakdown of current recommendations for Cullman Bancorp and Third Coast Bancshares, as reported by MarketBeat.com.

這是MarketBeat.com報道的對卡爾曼銀行和第三海岸銀行股票的當前建議的細目。

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cullman Bancorp 0 0 0 0 N/A
Third Coast Bancshares 0 1 2 0 2.67
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
第三海岸銀行股份 0 1 2 0 2.67

Third Coast Bancshares has a consensus price target of $25.33, suggesting a potential upside of 37.46%. Given Third Coast Bancshares' higher probable upside, analysts plainly believe Third Coast Bancshares is more favorable than Cullman Bancorp.

Third Coast BancShares的普遍目標價為25.33美元,這意味着潛在的上漲幅度為37.46%。考慮到第三海岸銀行股更有可能上行,分析師顯然認為第三海岸銀行股比卡爾曼銀行更有利。

Institutional & Insider Ownership

機構與內部人持股

7.0% of Cullman Bancorp shares are held by institutional investors. Comparatively, 50.0% of Third Coast Bancshares shares are held by institutional investors. 15.7% of Cullman Bancorp shares are held by company insiders. Comparatively, 8.2% of Third Coast Bancshares 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.

卡爾曼銀行7.0%的股份由機構投資者持有。相比之下,第三海岸銀行50.0%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,Third Coast BancShares 8.2%的股份由公司內部人士持有。強大的機構持股表明,對衝基金、大型基金管理公司和捐贈基金相信,一隻股票的長期表現將好於大盤。

Profitability

盈利能力

This table compares Cullman Bancorp and Third Coast Bancshares' net margins, return on equity and return on assets.

此表比較了卡爾曼銀行和第三海岸銀行的淨利潤率、股本回報率和資產回報率。

Net Margins Return on Equity Return on Assets
Cullman Bancorp 22.99% 3.91% 1.03%
Third Coast Bancshares 8.39% 3.59% 0.37%
淨利潤率 股本回報率 資產回報率
卡爾曼銀行 22.99% 3.91% 1.03%
第三海岸銀行股份 8.39% 3.59% 0.37%

Summary

摘要

Third Coast Bancshares beats Cullman Bancorp on 8 of the 13 factors compared between the two stocks.

Third Coast BancShares在比較兩隻股票的13個因素中有8個超過了Cullman Bancorp。

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 Third Coast Bancshares

關於第三海岸銀行股份

(Get Rating)

(獲取評級)

Third Coast Bancshares, Inc. operates as a bank holding company for Third Coast Bank, SSB that provides various commercial banking solutions to small and medium-sized businesses, and professionals. The company's deposit products include checking, savings, individual retirement, and money market accounts, as well as certificates of deposit. It also offers commercial and industrial loans, such as equipment loans, working capital, auto finance, and commercial finance. In addition, the company provides treasury management consumer and commercial online banking services, mobile applications, safe deposit boxes, and wire transfer services, as well as debit cards. It operates through eleven branches in Greater Houston, Dallas-Fort Worth, and Austin-San Antonio; and one branch in Detroit, Texas. The company was founded in 2008 and is headquartered in Humble, Texas.

第三海岸銀行股份有限公司是第三海岸銀行的銀行控股公司,SSB為中小型企業和專業人士提供各種商業銀行解決方案。該公司的存款產品包括支票、儲蓄、個人退休和貨幣市場賬户,以及存單。它還提供商業和工業貸款,如設備貸款、營運資金、汽車金融和商業金融。此外,該公司還提供金庫管理消費者和商業網上銀行服務、移動應用程序、保險箱和電匯服務,以及借記卡。它通過大休斯頓、達拉斯-沃斯堡和奧斯汀-聖安東尼奧的11家分行運營,以及德克薩斯州底特律的一家分行。該公司成立於2008年,總部設在德克薩斯州的漢布爾市。

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