CULLOTCSavings Institutions, Not Federally CharteredFiscal year ends December 31
Cullman Bancorp, Inc. /MD/
Financials through Q1 FY2024, quarter ended Mar 31, 2024Last filing: 10-Q on May 14, 2024
$17.20−0.05 (-0.29%)
Close on Oct 19, 2026
- Market cap
- $116.66M
- P/E (TTM)
- 33.7
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2019 to 2023
Net margin
23.4%
Growth rates
Compound annual growth to fiscal 2023
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +0.2% | +9.8% | – | – | |
| Net income | -5.5% | +3.7% | – | – | |
| EPS, diluted | -8.5% | +1.3% | – | – | |
| Free cash flow | -44.6% | -9.5% | – | – |
Returns and balance sheet
5 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2019 | FY2023 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 3.9% | |
| Return on assets | – | – | 0.9% | |
| Capex to revenue | – | – | 21.5% | |
| Diluted shares | – | – | 7M |
Cash use needs five years of cash flow figures
Cullman Bancorp does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin23.4%
×Asset turnover0.04×
×Equity multiplier4.13×
=Return on equity, FY20233.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2023 | 23.4% | 0.04× | 4.13× | 3.9% |
| FY2022 | 24.8% | 0.04× | 3.89× | 4.2% |
| FY2021 | 13.4% | 0.04× | 4.38× | 2.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2023 against fiscal 2022
3of 6 tests passed in fiscal 2023. Some tests lack the figures they need.
- ProfitableNet income above zero$3.95M
- Cash generatingOperating cash flow above zero$5.86M
- Return on assets improvedROA up on the prior year1.2% → 0.9%
- Earnings backed by cashOperating cash flow above net income$5.86M vs $3.95M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise7M → 7M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.04