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
- –
Cullman Bancorp statistics
Financials through Dec 31, 2023, price as of Oct 19, 2026, median of Savings Institutions, Not Federally Chartered companies for comparison
Valuation
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Market Cap | $124.66M | $679.86M |
| Enterprise Value | $111.62M | $418.07M |
| PE Ratio | 31.85 | 12.00 |
| PS Ratio | 7.38 | 3.62 |
| PB Ratio | 1.23 | 1.18 |
| P/TBV Ratio | 1.23 | 1.42 |
| P/FCF Ratio | 55.87 | 10.93 |
| P/OCF Ratio | 21.27 | 10.04 |
Enterprise value
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| EV / Sales | 6.61 | 2.78 |
| EV / FCF | 50.03 | 8.40 |
Income (trailing twelve months)
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Revenue | $16.89M | $170.85M |
| Pretax Income | $5.05M | $70.12M |
| Net Income | $3.95M | $54.33M |
| EPS (Diluted) | $0.54 | $2.90 |
Margins
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 29.9% | 36.4% |
| Profit Margin | 23.4% | 29.1% |
| FCF Margin | 13.2% | 33.0% |
Returns
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 3.92% | 10.5% |
| Return on Assets (ROA) | 0.95% | 1.12% |
Growth
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 0.25% | 11.8% |
| Net Income Growth (YoY) | -5.50% | 23.1% |
| EPS Growth (YoY) | -8.47% | 22.7% |
| FCF Growth (YoY) | -44.6% | 27.1% |
| Revenue Growth (3Y CAGR) | 9.82% | 5.82% |
| EPS Growth (3Y CAGR) | 1.27% | 1.26% |
Balance sheet
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $13.04M | $205.54M |
| Net Cash (Debt) | $13.04M | $164.40M |
| Net Cash Per Share | $1.80 | $8.13 |
| Equity (Book Value) | $101.74M | $560.44M |
| Book Value Per Share | $14.04 | $28.47 |
| Tangible Book Value | $101.74M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $5.86M | $61.20M |
| Capital Expenditures | -$3.63M | -$4.02M |
| Free Cash Flow | $2.23M | $52.43M |
| FCF Per Share | $0.31 | $3.07 |
Efficiency
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $296.35K | $357.09K |
| Profits Per Employee | $69.35K | $107.23K |
| Employee Count | 57 | 528 |
Dividends and yields
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 3.17% | 8.07% |
| FCF Yield | 1.79% | 8.89% |
| Buyback Yield | 2.30% | 1.52% |
| Shareholder Yield | 2.30% | 3.13% |
| Payout Ratio | 22.4% | 29.4% |
| FCF Payout Ratio | 39.7% | 26.0% |
Shares
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 7,247,380 | 18,910,300 |
| Shares Change (YoY) | 2.46% | 0.39% |
| Float | 7,247,380 | 16,895,350 |
| Shares Held by Insiders | 0.00% | 5.92% |
Taxes
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Income Tax | $1.10M | $14.50M |
| Effective Tax Rate | 21.7% | 21.1% |
Scores
| Measure | Cullman Bancorp | Industry median |
|---|---|---|
| Graham Number | $13.06 | $45.31 |
| Graham Upside | -24.1% | 21.6% |
| Altman Z-Score | 0.48 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Cullman Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.