GrandSouth Bancorporation (OTCMKTS:GRRB – Get Rating) and Cullman Bancorp (NASDAQ:CULL – Get Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, profitability, earnings, valuation, dividends, institutional ownership and risk.
Profitability
This table compares GrandSouth Bancorporation and Cullman Bancorp's net margins, return on equity and return on assets.
Get GrandSouth Bancorporation alerts:| Net Margins | Return on Equity | Return on Assets | |
| GrandSouth Bancorporation | 26.83% | 17.54% | 1.36% |
| Cullman Bancorp | 22.99% | 3.91% | 1.03% |
Valuation and Earnings
This table compares GrandSouth Bancorporation and Cullman Bancorp's gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| GrandSouth Bancorporation | $58.82 million | 3.49 | $16.11 million | N/A | N/A |
| Cullman Bancorp | $14.88 million | 5.85 | $1.75 million | $0.53 | 22.17 |
GrandSouth Bancorporation has higher revenue and earnings than Cullman Bancorp.
Insider & Institutional Ownership
3.2% of GrandSouth Bancorporation shares are held by institutional investors. Comparatively, 7.0% of Cullman Bancorp shares are held by institutional investors. 33.3% of GrandSouth Bancorporation shares are held by company insiders. Comparatively, 15.7% of Cullman 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.
Analyst Recommendations
This is a summary of current ratings and recommmendations for GrandSouth Bancorporation and Cullman Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| GrandSouth Bancorporation | 0 | 0 | 0 | 0 | N/A |
| Cullman Bancorp | 0 | 0 | 0 | 0 | N/A |
Dividends
GrandSouth Bancorporation pays an annual dividend of $0.80 per share and has a dividend yield of 2.0%. Cullman Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.0%. 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 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.
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.
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