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.
Risk and Volatility
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.
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Valuation and Earnings
This table compares Cullman Bancorp and Third Coast Bancshares' revenue, earnings per share (EPS) and valuation.
| 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 |
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.
Analyst Recommendations
This is a breakdown of current recommendations for Cullman Bancorp and Third Coast Bancshares, as reported by MarketBeat.com.
| 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 |
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.
Institutional & Insider Ownership
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.
Profitability
This table compares Cullman Bancorp and Third Coast Bancshares' net margins, return on equity and return on assets.
| 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% |
Summary
Third Coast Bancshares beats Cullman Bancorp on 8 of the 13 factors compared between the two stocks.
About Cullman Bancorp
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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.
About Third Coast Bancshares
(Get Rating)
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.
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