CULL vs FMFG: stock comparison and AI forecast
Cullman Bancorp, Inc. /Md/ (CULL) and Farmers & Merchants Bancshares, Inc. (FMFG) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CULL Cullman Bancorp, Inc. /Md/
- Market Cap
- $97M
- P/E Ratio
- 34.5x
- Size
- small-cap
- AI Forecast
FMFG Farmers & Merchants Bancshares, Inc.
- Market Cap
- $62M
- P/E Ratio
- 9.5x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CULL is 1.6 times larger than FMFG by market capitalization ($97M against $62M).
- FMFG trades at 9.5 times trailing earnings, CULL at 34.5 times.
- FMFG turns 25.5% of its revenue into net income, against 20.8% for CULL.
- FMFG carries 11.93 times debt per unit of equity, against 3.15 times for CULL.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CULL | FMFG |
|---|---|---|
| Market Cap | $97M | $62M |
| P/E Ratio | 34.50x | 9.46x |
| P/B Ratio | 0.96x | 0.92x |
| EPS | $0.50 | $2.01 |
| Book Value/Share | $17.93 | $20.72 |
| Revenue/Share | – | $8.58 |
| FCF/Share | – | $2.27 |
Profitability & Margins
| Metric | CULL | FMFG |
|---|---|---|
| ROE | 3.3% | 10.5% |
| ROA | 0.8% | 0.8% |
| Net Margin | 20.8% | 25.5% |
| EBT Margin | 28.6% | 33.5% |
| Tax Rate | 20.4% | 24.1% |
Financial Health
| Metric | CULL | FMFG |
|---|---|---|
| D/E Ratio | 3.15x | 11.93x |
| Financial Leverage | 4.15x | 12.93x |
Cash Flow
| Metric | CULL | FMFG |
|---|---|---|
| Operating Cash Flow | $6M | $8M |
| Free Cash Flow | – | $7M |
| Capital Spending | – | -$300K |
| OCF Growth YoY | – | 240.2% |
| FCF Growth YoY | – | 177.5% |
| FCF/Sales | – | 26.4% |
| CapEx/Sales | – | 1.1% |
Operational Efficiency
| Metric | CULL | FMFG |
|---|---|---|
| Asset Turnover | – | 0.03x |
| Fixed Assets Turnover | – | 4.0x |
Income Statement
| Metric | CULL | FMFG |
|---|---|---|
| Total Revenue | – | $28M |
| Net Income | $3M | $7M |
Dividend & Shareholder Information
| Metric | CULL | FMFG |
|---|---|---|
| Shares Outstanding | 6M | 3M |
| Net Income Growth | -14.5% | 64.0% |
| EPS Growth | – | 43.6% |
CULL vs FMFG: stock comparison and AI forecast
Which is bigger, CULL or FMFG?
CULL is 1.6 times larger than FMFG by market capitalization ($97M against $62M).
Which is cheaper on earnings, CULL or FMFG?
FMFG trades at 9.5 times trailing earnings, CULL at 34.5 times.
Which one does Intratio's AI model rank higher, CULL or FMFG?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.