CULL
Cullman Bancorp, Inc.
Price Chart
Latest Quote
$15.50
+0.00 (+0.00%)
Current Price
| Previous Close | $15.50 |
| Open | $15.50 |
| Day High | $15.50 |
| Day Low | $15.50 |
| Volume | 1,400 |
Stock Information
| Shares Outstanding | 5.75M |
| Total Debt | $55.00M |
| Cash Equivalents | $30.81M |
| Revenue | $17.28M |
| Net Income | $3.75M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $89.08M |
| P/E Ratio | 23.48 |
| EPS (TTM) | $0.66 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $111.64M |
| Sales | $17.28M |
| Income | $3.75M |
| Book/sh | $16.72 |
| Cash/sh | $5.36 |
Financial Ratios
| EPS Growth TTM | -24.90% |
Returns & Margins
| ROA | 0.86% |
| ROE | 3.95% |
| Operating Margin | 23.52% |
| Profit Margin | 22.17% |
Ownership
| Insider & Institutional transactions data not available |
Valuation Ratios
| P/S | 5.16 |
| P/B | 0.93 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $15.34 |
| SMA50 | $14.73 |
| SMA200 | $12.81 |
| RSI | 71.93 |
| ATR | 0.1157 |
| Short Float | 0.08% |
| Short Ratio | 1.33 |
| Volatility | 0.11 |
| Rel Volume | 1.03 |
Performance History
| Week | +1.97% |
| Month | +1.64% |
| Quarter | +17.42% |
| 6 Months | +27.76% |
| YTD | +25.20% |
| Year | +49.48% |
| 3 Years | +50.96% |
| 5 Years | -50.78% |
| 10 Years | -19.18% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $15.50 | 1,400 |
| 2026-06-16 | $15.50 | 600 |
| 2026-06-15 | $15.48 | 500 |
| 2026-06-12 | $15.50 | 2,300 |
| 2026-06-11 | $15.20 | 200 |
| 2026-06-10 | $15.20 | 1,100 |
| 2026-06-09 | $15.30 | 100 |
| 2026-06-08 | $15.50 | 0 |
| 2026-06-05 | $15.50 | 0 |
| 2026-06-04 | $15.50 | 0 |
| 2026-06-03 | $15.50 | 0 |
| 2026-06-02 | $15.50 | 100 |
| 2026-06-01 | $15.15 | 0 |
| 2026-05-29 | $15.15 | 300 |
| 2026-05-28 | $15.00 | 300 |
| 2026-05-27 | $15.00 | 300 |
| 2026-05-26 | $15.40 | 100 |
| 2026-05-22 | $15.00 | 18,200 |
| 2026-05-21 | $15.50 | 100 |
| 2026-05-20 | $15.49 | 1,500 |
| 2026-05-19 | $15.00 | 17,100 |
| 2026-05-18 | $15.25 | 200 |
About Cullman Bancorp, Inc.
Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various financial products and services in the United States. It offers personal and business checking accounts; personal savings accounts comprising kids club, Christmas club, certificates of deposits, and individual retirement accounts; business savings accounts; debit and credit cards; online banking, automated clearinghouse, merchant, and remote deposit capture services; mobile banking and deposit; eStatements; overdraft protection; safe deposit boxes; wire transfers; and cashier's checks. The company also provides personal loans, including mortgage, home equity, land, construction, and personal and auto loans, as well as business loans, such as commercial real estate, term loans, lines of credit, and agricultural loans. Cullman Bancorp, Inc. was founded in 1887 and is based in Cullman, Alabama.
đ° Latest News
No news articles available at the moment. Check back later for updates on CULL.
Period:
Loading...
Income Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Revenue | |||
| Total Revenue | $16,892,000 | $16,850,000 | $13,093,000 |
| Operating Revenue | $16,892,000 | $16,850,000 | $13,093,000 |
| Expenses | |||
| Interest Expense | $4,277,000 | $1,365,000 | $1,786,000 |
| Selling And Marketing Expense | $119,000 | $179,000 | $166,000 |
| General And Administrative Expense | $7,948,000 | $7,670,000 | $6,445,000 |
| Professional Expense And Contract Services Expense | $883,000 | $779,000 | $549,000 |
| Other Non Interest Expense | $1,616,000 | $1,563,000 | $2,923,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $3,953,000 | $4,183,000 | $1,750,000 |
| Net Interest Income | $15,182,000 | $15,164,000 | $11,584,000 |
| Interest Income | $19,459,000 | $16,529,000 | $13,370,000 |
| Normalized Income | $3,957,698 | $4,152,112 | $1,743,312 |
| Net Income From Continuing And Discontinued Operation | $3,953,000 | $4,183,000 | $1,750,000 |
| Net Income Common Stockholders | $3,903,000 | $4,129,000 | $1,734,000 |
| Net Income | $3,953,000 | $4,183,000 | $1,750,000 |
| Net Income Including Noncontrolling Interests | $3,953,000 | $4,183,000 | $1,750,000 |
| Net Income Continuous Operations | $3,953,000 | $4,183,000 | $1,750,000 |
| Pretax Income | $5,050,000 | $5,284,000 | $2,094,000 |
| Per Share | |||
| Diluted EPS | $0.54 | $0.59 | $0.25 |
| Basic EPS | $0.56 | $0.59 | $0.25 |
| Other | |||
| Tax Effect Of Unusual Items | $-1,302 | $8,112 | $1,312 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Total Unusual Items | $-6,000 | $39,000 | $8,000 |
| Total Unusual Items Excluding Goodwill | $-6,000 | $39,000 | $8,000 |
| Reconciled Depreciation | $469,000 | $335,000 | $473,000 |
| Diluted Average Shares | $7,178,866 | $7,006,311 | $6,965,785 |
| Basic Average Shares | $6,920,685 | $6,945,698 | $6,856,283 |
| Diluted NI Availto Com Stockholders | $3,903,000 | $4,129,000 | $1,734,000 |
| Otherunder Preferred Stock Dividend | $50,000 | $54,000 | $16,000 |
| Tax Provision | $1,097,000 | $1,101,000 | $344,000 |
| Selling General And Administration | $8,067,000 | $7,849,000 | $6,611,000 |
| Insurance And Claims | $162,000 | $76,000 | $79,000 |
| Salaries And Wages | $7,786,000 | $7,594,000 | $6,366,000 |
| Occupancy And Equipment | $982,000 | $937,000 | $856,000 |
| Other Gand A | - | $1,065,000 | $945,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $101,735,000 | $100,182,000 | $99,734,000 |
| Total Assets | $411,641,000 | $423,229,000 | $354,709,000 |
| Receivables | $1,260,000 | $1,162,000 | $775,000 |
| Accounts Receivable | $1,260,000 | $1,162,000 | $775,000 |
| Cash And Cash Equivalents | $4,386,000 | $6,420,000 | $2,213,000 |
| Cash Financial | $4,386,000 | $6,420,000 | $2,213,000 |
| Cash Cash Equivalents And Federal Funds Sold | $15,818,000 | $38,678,000 | $62,797,000 |
| Debt | |||
| Net Debt | $30,614,000 | $18,580,000 | $16,287,000 |
| Total Debt | $35,000,000 | $25,000,000 | $18,500,000 |
| Long Term Debt And Capital Lease Obligation | $35,000,000 | $25,000,000 | $18,500,000 |
| Long Term Debt | $35,000,000 | $25,000,000 | $18,500,000 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $309,906,000 | $323,047,000 | $254,975,000 |
| Payables And Accrued Expenses | $239,000 | $155,000 | $60,000 |
| Payables | $239,000 | $155,000 | $60,000 |
| Accounts Payable | $239,000 | $155,000 | $60,000 |
| Equity | |||
| Common Stock Equity | $101,735,000 | $100,182,000 | $99,734,000 |
| Total Equity Gross Minority Interest | $101,735,000 | $100,182,000 | $99,734,000 |
| Stockholders Equity | $101,735,000 | $100,182,000 | $99,734,000 |
| Other Equity Interest | $-2,848,000 | $-3,056,000 | $-3,558,000 |
| Gains Losses Not Affecting Retained Earnings | $-2,913,000 | $-3,558,000 | $277,000 |
| Other Equity Adjustments | $-2,913,000 | $-3,558,000 | $277,000 |
| Retained Earnings | $59,344,000 | $56,561,000 | $53,267,000 |
| Other | |||
| Ordinary Shares Number | $7,301,282 | $7,394,615 | $7,405,893 |
| Share Issued | $7,301,282 | $7,394,615 | $7,405,893 |
| Tangible Book Value | $101,735,000 | $100,182,000 | $99,734,000 |
| Invested Capital | $136,735,000 | $125,182,000 | $118,234,000 |
| Total Capitalization | $136,735,000 | $125,182,000 | $118,234,000 |
| Additional Paid In Capital | $48,081,000 | $50,161,000 | $49,674,000 |
| Capital Stock | $71,000 | $74,000 | $74,000 |
| Common Stock | $71,000 | $74,000 | $74,000 |
| Investments And Advances | $28,356,000 | $30,275,000 | $21,313,000 |
| Net PPE | $13,957,000 | $10,851,000 | $9,484,000 |
| Accumulated Depreciation | $-9,787,000 | $-9,364,000 | $-8,969,000 |
| Gross PPE | $23,744,000 | $20,215,000 | $18,453,000 |
| Machinery Furniture Equipment | $2,556,000 | $2,623,000 | $2,321,000 |
| Buildings And Improvements | $19,264,000 | $15,668,000 | $14,208,000 |
| Land And Improvements | $1,924,000 | $1,924,000 | $1,924,000 |
| Other Short Term Investments | $28,356,000 | $29,796,000 | $21,313,000 |
| Available For Sale Securities | - | $479,000 | - |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $2,231,000 | $4,025,000 | $3,921,000 |
| Operating Activities | |||
| Operating Cash Flow | $5,861,000 | $5,768,000 | $5,226,000 |
| Cash Flow From Continuing Operating Activities | $5,861,000 | $5,768,000 | $5,226,000 |
| Operating Gains Losses | $-155,000 | $-167,000 | $-305,000 |
| Investing Activities | |||
| Capital Expenditure | $-3,630,000 | $-1,743,000 | $-1,305,000 |
| Investing Cash Flow | $-11,893,000 | $-97,560,000 | $-22,786,000 |
| Cash Flow From Continuing Investing Activities | $-11,893,000 | $-97,560,000 | $-22,786,000 |
| Net Other Investing Changes | $-682,000 | $-4,415,000 | $188,000 |
| Financing Activities | |||
| Repurchase Of Capital Stock | $-2,870,000 | $-127,000 | $0 |
| Financing Cash Flow | $-17,577,000 | $66,499,000 | $19,137,000 |
| Cash Flow From Continuing Financing Activities | $-17,577,000 | $66,499,000 | $19,137,000 |
| Cash Dividends Paid | $-886,000 | $-889,000 | $-857,000 |
| Common Stock Dividend Paid | $-886,000 | $-889,000 | $-857,000 |
| Net Common Stock Issuance | $-2,870,000 | $-127,000 | $37,512,000 |
| Issuance Of Capital Stock | - | $0 | $37,512,000 |
| Common Stock Issuance | - | $0 | $37,512,000 |
| Net Other Financing Charges | - | - | $2,394,000 |
| Other | |||
| Repayment Of Debt | $-14,873,000 | $-18,413,000 | $-34,954,000 |
| Issuance Of Debt | $25,000,000 | $25,000,000 | $0 |
| Interest Paid Supplemental Data | $4,193,000 | $1,270,000 | $1,826,000 |
| Income Tax Paid Supplemental Data | $804,000 | $645,000 | $651,000 |
| End Cash Position | $13,036,000 | $36,645,000 | $61,938,000 |
| Beginning Cash Position | $36,645,000 | $61,938,000 | $60,361,000 |
| Changes In Cash | $-23,609,000 | $-25,293,000 | $1,577,000 |
| Common Stock Payments | $-2,870,000 | $-127,000 | $0 |
| Net Issuance Payments Of Debt | $10,127,000 | $6,587,000 | $-34,954,000 |
| Net Long Term Debt Issuance | $10,127,000 | $6,587,000 | $-34,954,000 |
| Long Term Debt Payments | $-14,873,000 | $-18,413,000 | $-34,954,000 |
| Long Term Debt Issuance | $25,000,000 | $25,000,000 | $0 |
| Net Investment Purchase And Sale | $2,593,000 | $-13,087,000 | $-1,168,000 |
| Sale Of Investment | $2,593,000 | $3,479,000 | $7,700,000 |
| Purchase Of Investment | $0 | $-16,566,000 | $-8,868,000 |
| Net PPE Purchase And Sale | $-3,630,000 | $-1,743,000 | $-1,305,000 |
| Purchase Of PPE | $-3,630,000 | $-1,743,000 | $-1,305,000 |
| Change In Working Capital | $674,000 | $-101,000 | $1,032,000 |
| Change In Other Working Capital | $688,000 | $191,000 | $846,000 |
| Change In Payables And Accrued Expense | $84,000 | $95,000 | $-40,000 |
| Change In Payable | $84,000 | $95,000 | $-40,000 |
| Change In Account Payable | $84,000 | $95,000 | $-40,000 |
| Change In Receivables | $-98,000 | $-387,000 | $226,000 |
| Changes In Account Receivables | $-98,000 | $-387,000 | $226,000 |
| Other Non Cash Items | $-250,000 | $-138,000 | $1,763,000 |
| Stock Based Compensation | $995,000 | $1,116,000 | $796,000 |
| Asset Impairment Charge | $0 | $-46,000 | $-8,000 |
| Deferred Tax | $-119,000 | $148,000 | $-335,000 |
| Deferred Income Tax | $-119,000 | $148,000 | $-335,000 |
| Depreciation Amortization Depletion | $469,000 | $335,000 | $473,000 |
| Depreciation And Amortization | $469,000 | $335,000 | $473,000 |
| Gain Loss On Investment Securities | $-18,000 | $24,000 | $0 |
| Gain Loss On Sale Of PPE | $12,000 | $-18,000 | $1,000 |
| Net Income From Continuing Operations | $3,953,000 | $4,183,000 | $1,750,000 |
| Proceeds From Stock Option Exercised | - | $0 | $-16,000 |
Fetched: 2026-02-02