CULL - Cullman Bancorp Inc. Stock Price, Fair Value and News

10.22USD-0.02 (-0.20%)Delayed as of 17 May 2024, 10:55 am ET

Market Summary

USD10.22-0.02

Delayedas of 17 May 2024, 10:55 am

-0.20%

CULL Stock Price

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CULL RSI Chart

CULL Valuation

Market Cap

74.2M

Price/Earnings (Trailing)

20.32

Price/Sales (Trailing)

3.73

EV/EBITDA

2.86

Price/Free Cashflow

79.46

CULL Price/Sales (Trailing)

CULL Profitability

EBT Margin

23.08%

Return on Equity

3.6%

Return on Assets

0.87%

Free Cashflow Yield

1.26%

CULL Fundamentals

CULL Revenue

Revenue (TTM)

19.9M

Rev. Growth (Yr)

9.2%

Rev. Growth (Qtr)

1.76%

CULL Earnings

Earnings (TTM)

3.7M

Earnings Growth (Yr)

-29.66%

Earnings Growth (Qtr)

-13.98%

Breaking Down CULL Revenue

52 Week Range

10.2210.95

(Low)(High)

Last 7 days

0.4%

Last 30 days

-1.4%

Last 90 days

-3.6%

Trailing 12 Months

-3.2%

How does CULL drawdown profile look like?

CULL Financial Health

CULL Investor Care

Buy Backs (1Y)

1.83%

Diluted EPS (TTM)

0.5

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	19.9M	0	0	0
2023	17.6M	18.3M	19.1M	19.5M
2022	13.6M	14.3M	15.3M	16.5M
2021	13.9M	13.8M	13.6M	13.4M
2020	0	0	0	14.2M

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Tracking the Latest Insider Buys and Sells of Cullman Bancorp Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Nov 16, 2023	riley john a iii	bought	71,684	10.27	6,980	president and ceo
Aug 18, 2023	bussman paul d	acquired	-	-	8,864	-
Aug 18, 2023	burks chad t	acquired	-	-	8,864	-
Aug 18, 2023	barksdale gregory t	acquired	-	-	8,864	-
Aug 18, 2023	ugarkovich t aira	acquired	-	-	26,594	evp and coo
Aug 18, 2023	stephens katrina i	acquired	-	-	17,729	svp and cfo
Aug 18, 2023	morton lynne	acquired	-	-	8,864	-
Aug 18, 2023	parson robin	acquired	-	-	8,875	executive vice president
Aug 18, 2023	riley john a iii	acquired	-	-	44,324	president & ceo
Aug 18, 2023	mcclellan nancy	acquired	-	-	8,864	-

Which funds bought or sold CULL recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	FIRST MANHATTAN CO. LLC.	unchanged	-	-15,370	186,502	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	new	-	100	100	-%
May 15, 2024	NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO	unchanged	-	-6,988	84,794	-%
May 15, 2024	Royal Bank of Canada	reduced	-62.66	-1,000	1,000	-%
May 14, 2024	NORTHERN TRUST CORP	reduced	-8.08	-23,781	133,967	-%
May 14, 2024	ALLIANCEBERNSTEIN L.P.	added	6.25	-106,428	5,684,520	-%
May 13, 2024	EverSource Wealth Advisors, LLC	unchanged	-	-	45,891	-%
May 13, 2024	UBS Group AG	reduced	-89.51	-43,769	4,696	-%
May 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	reduced	-0.46	-52,729	610,481	-%
May 10, 2024	CITIGROUP INC	sold off	-100	-11.00	-	-%

Are Funds Buying or Selling CULL?

Are funds buying CULL calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CULL

No. of Funds

Unveiling Cullman Bancorp Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	alliancebernstein l.p.	7.4%	537,692	SC 13G
Feb 14, 2024	alliancebernstein l.p.	7.4%	537,692	SC 13G
Jan 26, 2024	cullman bancorp, inc. /md/	13.6%	989,420	SC 13G/A
Jan 30, 2023	cullman bancorp, inc. /md/	13.41%	991,392	SC 13G/A
Feb 09, 2022	cullman bancorp, inc. /md/	13.59%	1,006,155	SC 13G

Recent SEC filings of Cullman Bancorp Inc.

View All Filings

Date Filed	Form Type	Document
May 14, 2024	10-Q	Quarterly Report
Apr 17, 2024	ARS	ARS
Mar 22, 2024	10-K	Annual Report
Feb 14, 2024	SC 13G	Major Ownership Report
Feb 14, 2024	SC 13G	Major Ownership Report

Peers (Alternatives to Cullman Bancorp Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	11.99%	46.24%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	13.09%	37.28%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	8.19%	50.84%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	12.50%	36.26%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	12.65%	38.40%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.74%	50.49%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.99%	43.16%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	13.27%	70.96%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	12.98%	57.40%	12.27	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.41%	42.76%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	415.3M	173.1M	13.52%	27.11%	14.24	2.4	26.54%	-34.86%
ALRS	390.4M	152.4M	-1.25%	34.56%	39.27	2.56	16.94%	-73.84%
ACNB	289.6M	98.7M	3.86%	15.94%	9.84	2.93	6.27%	-22.90%
ASRV	47.2M	62.5M	11.11%	-5.26%	-15.95	0.75	18.83%	-145.18%

Cullman Bancorp Inc. News

Latest updates

Cullman Bancorp Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																	(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Revenue	1.8%	5,080	4,992	5,051	4,764	4,652	4,627	4,243	4,090	3,569	3,352	3,306	3,384	3,329	3,593	3,502	3,518	3,559
EBITDA Margin	-6.1%	1.00*	1.06*	1.10*	1.15*	1.21*	1.26*	1.28*	1.15*	1.10*	1.06*	1.08*	1.18*	1.18*	1.16*	-	-	-
Interest Expenses	-4.5%	3,521	3,687	3,871	3,731	3,893	3,998	3,962	3,874	3,330	2,967	2,887	2,930	2,801	2,829	2,853	2,809	2,814
Income Taxes	9.6%	183	167	297	291	342	128	358	315	300	92.00	-185	221	216	283	199	269	206
Earnings Before Taxes	-10.0%	897	997	1,377	1,319	1,357	1,063	1,284	1,627	1,310	711	-686	1,068	1,001	1,354	930	1,215	1,004
EBT Margin	-11.1%	0.23*	0.26*	0.27*	0.27*	0.30*	0.32*	0.32*	0.21*	0.18*	0.16*	0.20*	0.32*	0.32*	0.32*	-	-	-
Net Income	-14.0%	714	830	1,080	1,028	1,015	935	926	1,312	1,010	619	-501	847	785	1,071	731	946	798
Net Income Margin	-9.6%	0.18*	0.20*	0.21*	0.21*	0.24*	0.25*	0.25*	0.17*	0.15*	0.13*	0.16*	0.25*	0.25*	0.25*	-	-	-
Free Cashflow	108.1%	130	-1,614	1,793	625	1,427	-238	1,744	1,826	693	699	2,221	386	615	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet														(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Assets	2.2%	421	412	417	418	418	423	406	384	353	355	373	376	334	331
Cash Equivalents	33.1%	17.00	13.00	23.00	26.00	28.00	37.00	29.00	25.00	39.00	62.00	90.00	93.00	57.00	60.00
Net PPE	10.1%	15.00	14.00	12.00	11.00	11.00	11.00	10.00	10.00	10.00	9.00	9.00	9.00	9.00	9.00
Liabilities	3.1%	319	310	316	316	317	323	308	285	255	255	274	318	277	275
Shareholder's Equity	-0.4%	101	102	101	102	101	100	99.00	99.00	99.00	100	99.00	58.00	57.00	57.00
Retained Earnings	-0.3%	59.00	59.00	59.00	57.00	56.00	57.00	56.00	55.00	53.00	53.00	53.00	50.00	50.00	50.00
Additional Paid-In Capital	-0.2%	48.00	48.00	49.00	50.00	50.00	50.00	50.00	50.00	50.00	50.00	49.00	7.00	7.00	7.00
Shares Outstanding	-0.5%	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	2.00	2.00	7.00
Float	-	-	-	-	-	-	-	-	-	-	-	-	67.00	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																	(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Cashflow From Operations	250.4%	1,661	474	2,435	1,485	1,467	512	2,172	2,121	963	1,019	2,862	661	684	1,762	-334	1,077	939
Share Based Compensation	0.4%	264	263	232	139	139	139	139	139	139	139	139	139	139	138	95.00	5.00	5.00
Cashflow From Investing	-65.2%	-5,532	-3,349	-3,823	-1,818	-2,903	-8,687	-19,729	-45,867	-23,277	-10,171	-1,455	-5,230	-5,930	5,706	11,231	-212	4,962
Cashflow From Financing	218.8%	8,188	-6,890	-1,994	-1,180	-7,513	16,071	21,522	29,860	-954	-18,634	-4,872	40,584	2,059	4,712	-5,396	15,850	13,968
Dividend Payments	-	-	-	-	-	886	-	-	-	889	-	-	-	857	1.00	-	1.00	829
Buy Backs	-77.9%	373	1,690	1,043	2.00	135	127	-	-	-	-	-	-	-	-	-	21.00	-

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CULL Income Statement

2024-03-31

Consolidated Statements of Net Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Loans, including fees	$ 4,633	$ 4,133
Non taxable securities	6	8
Taxable securities	220	241
FHLB dividends	36	18
Federal funds sold and other	185	252
Total interest income	5,080	4,652
Interest expense:
Deposits	1,102	476
Federal Home Loan Bank advances and other borrowings	457	283
Total interest expense	1,559	759
Net interest income	3,521	3,893
Provision for (reversal of) credit losses on loans	(34)	6
Provision for (reversal of) unfunded commitments	(6)	68
Net interest income after provision for credit losses	3,561	3,819
Noninterest income:
Service charges on deposit accounts	273	257
Income on bank owned life insurance	72	67
Gain on sales of mortgage loans	6	6
Other	38	42
Total noninterest income	389	372
Noninterest expense:
Salaries and employee benefits	2,067	1,923
Occupancy and equipment	239	256
Data processing	289	227
Professional and supervisory fees	221	215
Office expense	52	44
Advertising	30	24
FDIC deposit insurance	38	26
Other	117	119
Total noninterest expense	3,053	2,834
Income before income taxes	897	1,357
Income tax expense	183	342
Net income	$ 714	$ 1,015
Earnings per share:
Basic	$ 0.11	$ 0.15
Dilutive	$ 0.11	$ 0.15

CULL Balance Sheet

2024-03-31

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Interest bearing cash and cash equivalents	$ 173	$ 229
Non-interest bearing cash and cash equivalents	3,655	4,157
Federal funds sold	13,525	8,650
Total cash and cash equivalents	17,353	13,036
Securities available for sale	27,722	28,356
Loans, net of allowance of $2,937 and $3,271 respectively	343,392	339,402
Premises and equipment, net	15,362	13,957
Accrued interest receivable	1,299	1,260
Restricted equity securities	3,257	2,782
Bank owned life insurance	9,311	9,239
Deferred tax asset, net	2,471	2,440
Other assets	563	1,169
Total assets	420,730	411,641
Deposits
Non-interest bearing	13,423	12,297
Interest bearing	255,015	256,704
Total deposits	268,438	269,001
Federal Home Loan Bank advances	45,000	35,000
Accrued interest payable	381	239
Other liabilities	5,578	5,666
Total liabilities	319,397	309,906
Shareholders' equity
Common stock, $0.01 par value; 50,000,000 shares authorized; 7,265,689 and 7,301,282 and shares outstanding at March 31, 2024 and Decemeber 31, 2023	71	71
Additional paid-in capital	47,972	48,081
Retained earnings	59,182	59,344
Accumulated other comprehensive loss	(3,076)	(2,913)
Unearned ESOP shares, at cost	(2,816)	(2,848)
Total shareholders' equity	101,333	101,735
Total liabilities and shareholders' equity	$ 420,730	$ 411,641

About Cullman Bancorp Inc.

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services in the United States. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, multi-family real estate, and consumer loans; term, line of credit, and agricultural loans; mortgage, home equity, and personal and auto loans; and invests in securities. In addition, it offers debit and credit card services; online banking, automated clearing house, and merchant services; and mobile banking, bill pay, and ATM services. Cullman Bancorp, Inc. was founded in 1887 and is headquartered in Cullman, Alabama.

CEO	Mr. John A. Riley III
WEBSITE	cullmansavingsbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	59

Cullman Bancorp Inc. Frequently Asked Questions

What is the ticker symbol for Cullman Bancorp Inc.? What does CULL stand for in stocks?

CULL is the stock ticker symbol of Cullman Bancorp Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Cullman Bancorp Inc. (CULL)?

As of Thu May 16 2024, market cap of Cullman Bancorp Inc. is 74.21 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CULL stock?

You can check CULL's fair value in chart for subscribers.

What is the fair value of CULL stock?

You can check CULL's fair value in chart for subscribers. The fair value of Cullman Bancorp Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Cullman Bancorp Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CULL so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Cullman Bancorp Inc. a good stock to buy?

The fair value guage provides a quick view whether CULL is over valued or under valued. Whether Cullman Bancorp Inc. is cheap or expensive depends on the assumptions which impact Cullman Bancorp Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CULL.

What is Cullman Bancorp Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, CULL's PE ratio (Price to Earnings) is 20.32 and Price to Sales (PS) ratio is 3.73. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CULL PE ratio will change depending on the future growth rate expectations of investors.