Cullman Bancorp (NASDAQ:CULL – Get Rating) and GrandSouth Bancorporation (OTCMKTS:GRRB – Get Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, dividends, institutional ownership, valuation, analyst recommendations, profitability and earnings.
Earnings & Valuation
This table compares Cullman Bancorp and GrandSouth Bancorporation's revenue, earnings per share and valuation.
Get Cullman Bancorp alerts:| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Cullman Bancorp | $14.88 million | 5.85 | $1.75 million | $0.53 | 22.15 |
| GrandSouth Bancorporation | $58.82 million | 3.49 | $16.11 million | N/A | N/A |
GrandSouth Bancorporation has higher revenue and earnings than Cullman Bancorp.
Analyst Recommendations
This is a summary of recent recommendations and price targets for Cullman Bancorp and GrandSouth Bancorporation, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Cullman Bancorp | 0 | 0 | 0 | 0 | N/A |
| GrandSouth Bancorporation | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares Cullman Bancorp and GrandSouth Bancorporation's 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% |
| GrandSouth Bancorporation | 26.83% | 17.54% | 1.36% |
Insider & Institutional Ownership
7.0% of Cullman Bancorp shares are owned by institutional investors. Comparatively, 3.2% of GrandSouth Bancorporation shares are owned by institutional investors. 15.7% of Cullman Bancorp shares are owned by insiders. Comparatively, 33.3% of GrandSouth Bancorporation shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Dividends
Cullman Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.0%. GrandSouth Bancorporation pays an annual dividend of $0.80 per share and has a dividend yield of 2.0%. Cullman Bancorp pays out 22.6% of its earnings in the form of a dividend.
Summary
GrandSouth Bancorporation beats Cullman Bancorp on 8 of the 10 factors compared between the two stocks.
About Cullman Bancorp
(Get Rating)
Cullman Bancorp, Inc. is a holding company that engages in the provision of financial savings services through its subsidiary. Its subsidiary business offers deposits and loans. The company was founded in 1887 and is headquartered in Cullman, AL.
About GrandSouth Bancorporation
(Get Rating)
GrandSouth Bancorporation operates as the bank holding company for GrandSouth Bank that provides banking services to individuals and businesses. It accepts checking accounts, savings accounts, money market accounts, various term certificates of deposit, and individual retirement accounts. The company also offers one-to-four family residential, commercial real estate, home equity and lines of credit, residential construction and other construction and land, and commercial loans; and consumer loans comprising loans secured by personal property, such as automobiles, marketable securities, and boats and motorcycles, as well as unsecured consumer debt. In addition, it invests in investment securities, as well as provides specialty floor plan lending to small auto dealerships under the CarBucks trade name. The company operates through eight branches across South Carolina. GrandSouth Bancorporation was founded in 1998 and is based in Greenville, South Carolina.
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