Cullman Bancorp (CULL) Competitors $11.50 -0.38 (-3.20%) As of 10/17/2025 03:26 PM Eastern Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendHeadlinesInsider TradesSEC FilingsShort InterestTrendsBuy This Stock CULL vs. CZFS, BTCS, JMSB, LNKB, FRST, ISBA, TSBK, CHMG, FINW, and FDBCShould you be buying Cullman Bancorp stock or one of its competitors? The main competitors of Cullman Bancorp include Citizens Financial Services (CZFS), BTCS (BTCS), John Marshall Bancorp (JMSB), LINKBANCORP (LNKB), Primis Financial (FRST), Isabella Bank (ISBA), Timberland Bancorp (TSBK), Chemung Financial (CHMG), FinWise Bancorp (FINW), and Fidelity D&D Bancorp (FDBC). These companies are all part of the "banking" industry. Cullman Bancorp vs. Its Competitors Citizens Financial Services BTCS John Marshall Bancorp LINKBANCORP Primis Financial Isabella Bank Timberland Bancorp Chemung Financial FinWise Bancorp Fidelity D&D Bancorp Citizens Financial Services (NASDAQ:CZFS) and Cullman Bancorp (NASDAQ:CULL) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, risk, earnings, dividends and media sentiment. Which has higher earnings and valuation, CZFS or CULL? Citizens Financial Services has higher revenue and earnings than Cullman Bancorp. Citizens Financial Services is trading at a lower price-to-earnings ratio than Cullman Bancorp, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioCitizens Financial Services$169.72M1.55$27.82M$6.638.27Cullman Bancorp$16.54M4.15$3.95M$0.5023.00 Is CZFS or CULL a better dividend stock? Citizens Financial Services pays an annual dividend of $2.00 per share and has a dividend yield of 3.6%. Cullman Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.0%. Citizens Financial Services pays out 30.2% of its earnings in the form of a dividend. Cullman Bancorp pays out 24.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Which has more risk and volatility, CZFS or CULL? Citizens Financial Services has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500. Comparatively, Cullman Bancorp has a beta of 0.08, meaning that its share price is 92% less volatile than the S&P 500. Do insiders and institutionals believe in CZFS or CULL? 22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 25.7% of Cullman Bancorp shares are owned by institutional investors. 6.1% of Citizens Financial Services shares are owned by company insiders. Comparatively, 16.8% of Cullman Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth. Does the media favor CZFS or CULL? In the previous week, Citizens Financial Services' average media sentiment score of 1.00 beat Cullman Bancorp's score of 0.00 indicating that Citizens Financial Services is being referred to more favorably in the media. Company Overall Sentiment Citizens Financial Services Positive Cullman Bancorp Neutral Is CZFS or CULL more profitable? Citizens Financial Services has a net margin of 18.54% compared to Cullman Bancorp's net margin of 0.00%. Citizens Financial Services' return on equity of 10.36% beat Cullman Bancorp's return on equity.Company Net Margins Return on Equity Return on Assets Citizens Financial Services18.54% 10.36% 1.05% Cullman Bancorp N/A N/A N/A Do analysts rate CZFS or CULL? Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Citizens Financial Services 0 Sell rating(s) 2 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00Cullman Bancorp 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 SummaryCitizens Financial Services beats Cullman Bancorp on 10 of the 15 factors compared between the two stocks. Get Cullman Bancorp News Delivered to You Automatically Sign up to receive the latest news and ratings for CULL and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding CULL and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart CULL vs. The Competition Export to ExcelMetricCullman BancorpSavings institutions, except federal IndustryFinance SectorNASDAQ ExchangeMarket Cap$68.67M$51.04M$12.48B$10.55BDividend Yield1.04%2.15%5.61%4.83%P/E Ratio23.0017.9321.1227.06Price / Sales4.154.6029.94132.30Price / Cash16.7419.6019.3430.35Price / Book0.820.792.246.58Net Income$3.95M-$486.67K$1.02B$276.84M7 Day Performance-0.43%0.38%-0.62%-0.72%1 Month Performance0.61%0.96%-2.24%2.16%1 Year Performance17.71%8.28%537.59%34.63% Cullman Bancorp Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)CULLCullman Bancorp0.7131 of 5 stars$11.50-3.2%N/A+17.7%$68.67M$16.54M23.0050Upcoming EarningsGap DownCZFSCitizens Financial Services3.7909 of 5 stars$56.70+0.9%N/A-10.7%$272.73M$169.72M8.55310Positive NewsBTCSBTCS2.3886 of 5 stars$5.70-1.7%$7.00+22.8%+260.8%$271.96M$4.07M-4.964Positive NewsDividend AnnouncementShort Interest ↓Gap DownJMSBJohn Marshall Bancorp2.0274 of 5 stars$19.09-0.9%$22.00+15.2%-10.6%$271.46M$112.40M14.35140Upcoming EarningsLNKBLINKBANCORP4.1695 of 5 stars$7.04-0.1%$8.75+24.4%+8.3%$263.50M$167.59M7.04110FRSTPrimis Financial4.3055 of 5 stars$10.67+0.3%$7.50-29.7%-21.4%$262.79M$254.63M-118.50420Upcoming EarningsISBAIsabella Bank1.2368 of 5 stars$35.50-1.3%$34.00-4.2%N/A$261.28M$104.55M16.21330News CoverageShort Interest ↑TSBKTimberland Bancorp3.2667 of 5 stars$32.48+0.6%N/A+2.5%$256.55M$105.96M9.55300CHMGChemung Financial4.0416 of 5 stars$53.18+1.3%$54.50+2.5%+3.9%$254.71M$150.79M22.72340FINWFinWise Bancorp3.041 of 5 stars$18.70+1.6%$20.88+11.6%+8.5%$252.82M$96.84M19.28120FDBCFidelity D&D Bancorp3.631 of 5 stars$43.44+0.1%N/A-17.1%$250.62M$126.04M10.59320Upcoming Earnings Related Companies and Tools Related Companies Citizens Financial Services Alternatives BTCS Alternatives John Marshall Bancorp Alternatives LINKBANCORP Alternatives Primis Financial Alternatives Isabella Bank Alternatives Timberland Bancorp Alternatives Chemung Financial Alternatives FinWise Bancorp Alternatives Fidelity D&D Bancorp Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:CULL) was last updated on 10/20/2025 by MarketBeat.com Staff From Our PartnersThis Crypto Is Set to Explode in JanuaryCurious about crypto but still stuck scrolling endless threads? 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