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Financial Services - Banks - Regional - OTC - US
$ 10.15
1.47 %
$ 68.7 M
Market Cap
20.7
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 7, 2025.

The intrinsic value of one CULL stock under the worst case scenario is HIDDEN Compared to the current market price of 10.2 USD, Cullman Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 7, 2025.

The intrinsic value of one CULL stock under the base case scenario is HIDDEN Compared to the current market price of 10.2 USD, Cullman Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 7, 2025.

The intrinsic value of one CULL stock under the best case scenario is HIDDEN Compared to the current market price of 10.2 USD, Cullman Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CULL

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$10.4$10.4$10.2$10.2$10.0$10.0$9.8$9.8$9.6$9.6$9.4$9.4$9.2$9.215 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
16.5 M REVENUE
-2.25%
0 OPERATING INCOME
0.00%
3.95 M NET INCOME
-5.50%
5.86 M OPERATING CASH FLOW
1.61%
-11.9 M INVESTING CASH FLOW
87.81%
-17.6 M FINANCING CASH FLOW
-26.43%
3.91 M REVENUE
-4.94%
0 OPERATING INCOME
0.00%
714 K NET INCOME
-13.98%
1.66 M OPERATING CASH FLOW
250.42%
-5.53 M INVESTING CASH FLOW
-65.18%
8.19 M FINANCING CASH FLOW
218.84%
Balance Sheet Cullman Bancorp, Inc.
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Current Assets 48.3 M
Cash & Short-Term Investments 32.7 M
Receivables 1.26 M
Other Current Assets 14.3 M
Non-Current Assets 42.3 M
Long-Term Investments 28.4 M
PP&E 14 M
Other Non-Current Assets 0
36.13 %15.78 %31.29 %15.40 %Total Assets$90.6m
Current Liabilities 239 K
Accounts Payable 239 K
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 310 M
Long-Term Debt 35 M
Other Non-Current Liabilities 275 M
11.29 %88.63 %Total Liabilities$309.9m
EFFICIENCY
Earnings Waterfall Cullman Bancorp, Inc.
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Revenue 16.5 M
Cost Of Revenue -421 K
Gross Profit 16.9 M
Operating Expenses 16.9 M
Operating Income 0
Other Expenses -3.95 M
Net Income 3.95 M
18m18m16m16m14m14m12m12m10m10m8m8m6m6m4m4m2m2m0016m421k17m(17m)04m4mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
102.56% GROSS MARGIN
102.56%
0.00% OPERATING MARGIN
0.00%
24.00% NET MARGIN
24.00%
3.89% ROE
3.89%
0.96% ROA
0.96%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Cullman Bancorp, Inc.
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5m5m4m4m4m4m3m3m3m3m2m2m2m2m1m1m500k500k0020152015201620162017201720182018201920192020202020212021202220222023202320242024
Net Income 3.95 M
Depreciation & Amortization 469 K
Capital Expenditures -3.63 M
Stock-Based Compensation 995 K
Change in Working Capital 674 K
Others 479 K
Free Cash Flow 2.23 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Cullman Bancorp, Inc.
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CULL has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.28% DIVIDEND YIELD
0.12 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.18000.18000.16000.16000.14000.14000.12000.12000.10000.10000.08000.08000.06000.06000.04000.04000.02000.02000.00000.00000.0880.090.0880.090.1760.180.12320.120.12320.120.12320.120.120.120.120.120.120.120.120.1220152015201620162017201720192019202020202021202120222022202320232024202420252025
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5. COMPETITION
6. Ownership
Insider Ownership Cullman Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
36.3 K USD 1
9-12 MONTHS
7. News
Cullman Bancorp, Inc. Announces Voluntary NASDAQ Delisting and SEC Deregistration CULLMAN, Ala.--(BUSINESS WIRE)--Cullman Bancorp, Inc. (the “Company”) (Nasdaq: CULL), the holding company for Cullman Savings Bank, announced today that it has notified the NASDAQ Stock Market of the Company's intent to voluntarily delist its common stock from the NASDAQ Capital Market. The Company further intends to withdraw the registration of its common stock with the U.S. Securities and Exchange Commission (the “SEC”) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”. businesswire.com - 9 months ago
5 Cheap Dividend Stocks: Which to Buy Now Among Marketbeat's numerous investor resources are screener pages seeking hard-to-find investments. One of those tools is the screener page for Cheap Dividend Stocks, which is a veritable treasure trove of candidates. marketbeat.com - 1 year ago
Which Microcap Can You "Bank" On? Two regional microcap banks with attractive valuations and growth potential. zacks.com - 1 year ago
Cullman Bancorp, Inc. Announces Payment of Annual Cash Dividend of $0.12 Per Share CULLMAN, Ala.--(BUSINESS WIRE)--Cullman Bancorp, Inc. (the “Company”) (Nasdaq: CULL), the holding company for Cullman Savings Bank, announced that the Company has declared the payment of an annual cash dividend. The dividend of $0.12 per share will be paid on February 21, 2024 to stockholders of record as of February 1, 2024. John A. Riley, III, President and Chief Executive Officer of the Company, stated, “This dividend reflects our ongoing commitment to delivering stockholder value. We look f. businesswire.com - 1 year ago
8. Profile Summary

Cullman Bancorp, Inc. CULL

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 68.7 M
Dividend Yield 1.28%
Description Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services. 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; and invests in securities. It operates three branch offices in Cullman, Alabama; and one branch office in Hanceville, Alabama. The company was founded in 1887 and is headquartered in Cullman, Alabama.
Contact 316 Second Avenue SW, Cullman, AL, 35055 https://www.cullmansavingsbank.com
IPO Date Oct. 12, 2009
Employees 57
Officers Mr. John A. Riley III Chairman, President & Chief Executive Officer Ms. Robin O'Berry Senior Vice President & Secretary Ms. T'aira Ugarkovich Executive Vice President & Chief Operating Officer Ms. Katrina I. Stephens Chief Financial Officer & Senior Vice President Ms. Robin S. Parson Executive Vice President & Director