CULL vs TCBS: stock comparison and AI forecast
Cullman Bancorp, Inc. /Md/ (CULL) and Texas Community Bancshares, Inc. (TCBS) 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
TCBS Texas Community Bancshares, Inc.
- Price
- $17.20 +2.4% · 6M
- Market Cap
- $49M
- P/E Ratio
- 15.4x
- 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 2.0 times larger than TCBS by market capitalization ($97M against $49M).
- TCBS trades at 15.4 times trailing earnings, CULL at 34.5 times.
- CULL turns 20.8% of its revenue into net income, against 20.1% for TCBS.
- TCBS carries 7.05 times debt per unit of equity, against 3.15 times for CULL.
- TCBS yields 1.35% in dividends; CULL pays none.
- Both companies share the SEC industry classification Savings Institutions, Not Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CULL | TCBS |
|---|---|---|
| Market Cap | $97M | $49M |
| P/E Ratio | 34.50x | 15.37x |
| P/B Ratio | 0.96x | 0.89x |
| Dividend Yield | – | 1.35% |
| EPS | $0.50 | $1.12 |
| Book Value/Share | $17.93 | $19.22 |
| Revenue/Share | – | $5.75 |
| FCF/Share | – | $0.81 |
Profitability & Margins
| Metric | CULL | TCBS |
|---|---|---|
| ROE | 3.3% | 6.0% |
| ROA | 0.8% | 0.8% |
| Net Margin | 20.8% | 20.1% |
| EBT Margin | 28.6% | 23.6% |
| Tax Rate | 20.4% | 14.6% |
Financial Health
| Metric | CULL | TCBS |
|---|---|---|
| D/E Ratio | 3.15x | 7.05x |
| Financial Leverage | 4.15x | 8.05x |
Cash Flow
| Metric | CULL | TCBS |
|---|---|---|
| Operating Cash Flow | $6M | $5M |
| Free Cash Flow | – | $2M |
| Capital Spending | – | -$3M |
| OCF Growth YoY | – | 1738.5% |
| FCF Growth YoY | – | 7150.0% |
| FCF/Sales | – | 14.0% |
| CapEx/Sales | – | 15.4% |
Operational Efficiency
| Metric | CULL | TCBS |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | – | 1.2x |
Income Statement
| Metric | CULL | TCBS |
|---|---|---|
| Total Revenue | – | $17M |
| Net Income | $3M | $3M |
Dividend & Shareholder Information
| Metric | CULL | TCBS |
|---|---|---|
| Dividends Per Share | – | $0.23 |
| Payout Ratio | – | 20.5% |
| Shares Outstanding | 6M | 3M |
| Net Income Growth | -14.5% | 41.4% |
CULL vs TCBS: stock comparison and AI forecast
Which is bigger, CULL or TCBS?
CULL is 2.0 times larger than TCBS by market capitalization ($97M against $49M).
Which is cheaper on earnings, CULL or TCBS?
TCBS trades at 15.4 times trailing earnings, CULL at 34.5 times.
Which one does Intratio's AI model rank higher, CULL or TCBS?
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.