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Cullman Bancorp, Inc.

Cullman Bancorp, Inc.’s revenue for fiscal 2023 (year ended December 2023) was $21.2 million, up 16.2% from fiscal 2022.

17.25 0.05 −0.29%

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Market cap: $65.2M
P/E: 32.5×
Fwd P/E: 19.5×
Dividend yield: 0.70%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 15.68%

Capital & Financial Ratios $m

Size

Market Cap 65.15

Revenue ttm 21.61

Net income ttm 3.65

Free cash flow ttm 0.93

Net debt Q 27.65

Valuation

P/E 32.55

Forward P/E 19.50

Price / sales 5.38

Forward P/S Powerpack

Price / FCF 124.41

Price / book 1.15

Financial health

Current ratio Q 1.35

Debt / equity Q 0.44

Interest coverage Q —

Growth

Revenue growth Q +8.86%

Operating income growth Q −33.90%

EPS, this year —

EPS, next year A —

Revenue, next year A +9.55%

EPS, past 5 yrs —

EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 90.50%

10-year low 10-year high

P/S against its own 10 years 83.66%

10-year low 10-year high

P/B against its own 10 years 80.05%

10-year low 10-year high

Dividends

Yield: 0.70%
Annual rate: 0.12
Payout ratio: —

0.00 ’18
0.35 ’19
0.35 ’20 +0
0.35 ’21 +0
0.12 ’22 −66
0.12 ’23 +0
0.12 ’24 +0
0.12 ’25 +0
0.12 ’26 +0

paid change on the year, %

Assets vs Liabilities $m

	2021	2022	2023	Q'24
Cash	62	37	13	17
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	315	368	354	362

	2021	2022	2023	Q'24
Payables	232	293	269	268
ST’ Debt	—	—	—	—
Other	—	—	—	—
	232	293	269	269

Compound Annual Growth %

	10y	5y	3y
Sales	—	10.53%	10.66%
Cash Flow	—	—	19.39%
Earnings	—	0.59%	4.09%
Book Value	—	14.95%	21.39%

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.11	—	—	—	—
’23	0.15	0.14	0.15	0.10	0.54
’22	0.14	0.19	0.13	0.14	0.60
’21	0.12	0.12	(0.06)	0.07	0.25
’20	0.31	0.40	0.11	0.42	0.53
’19	—	—	—	—	1.46
’18	—	—	—	—	1.50

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	5	—	—	—	—
’23	5	5	5	5	21
’22	4	5	5	5	18
’21	4	4	4	4	15
’20	3	4	4	3	16
’19	—	—	—	—	13
’18	—	—	—	—	13

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	2	—	—	—	—
’23	1	1	2	0	6
’22	1	2	2	1	6
’21	1	1	3	1	5

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	—	—	—	—
’23	1	1	2	(2)	2
’22	1	2	2	0	4
’21	1	0	2	1	4

Fiscal quarters ending in the months shown.

Group	Line	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	TTM Mar ’24	Trend	10 yrs	2024e	2025e	2026e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	—	—	11	12	13	13	16	15	18	21	22		+9.5%	—	—	—	—
	Gross margin, %	—	—	0.00	0.00	0.00	0.00	81.65	88.00	92.51	79.80	76.51		+79.8 pt	Powerpack Cullman Bancorp, Inc.’s next three years, line by line See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	—	—	4	4	5	5	5	2	5	5	5		+2.8%
	EBT margin, %	—	—	37.25	36.70	38.06	37.52	28.83	14.07	29.01	23.86	21.24		(13.4) pt
	Net income	—	—	3	3	4	4	4	2	4	4	4		+5.4%
Per share, $
Per share, $	Revenue	—	—	4.37	4.64	5.01	4.94	2.34	2.17	2.62	3.06	3.21		(5.0%)
	Earnings	—	—	1.07	1.01	1.50	1.46	0.53	0.25	0.56	0.56	0.53		(8.8%)
	Cash flow	—	—	0.00	0.00	0.00	0.00	0.52	0.76	0.83	0.85	0.90		n/m
	Capex	—	—	0.00	0.00	0.00	0.00	(0.06)	(0.19)	(0.25)	(0.52)	(0.76)		n/m
	Free cash flow	—	—	0.00	0.00	0.00	0.00	0.45	0.57	0.58	0.32	0.14		n/m
	Book value	—	—	17.68	18.26	19.77	20.82	8.51	14.55	14.42	14.70	15.04		(2.6%)
	Shares, m	—	—	3	3	3	3	7	7	7	7	7		+15.2%
Valuation, ×
Valuation, ×	P/E	—	—	17.74	17.74	17.74	17.74	17.74	46.98	18.99	18.88	32.55		21.7
	P/S	—	—	0.00	0.00	0.00	0.00	3.95	5.66	4.35	3.52	5.38		2.2
	P/B	—	—	1.36	1.36	1.36	1.36	0.99	0.84	0.79	0.73	1.15		1.1
	EV/Sales	—	—	0.00	0.00	0.00	0.00	3.47	2.74	3.71	4.56	—		1.8
	EV/FCF	—	—	0.00	0.00	0.00	0.00	0.00	10.39	16.80	43.22	—		8.8
Cash, $m
Cash, $m	Operating cash flow	—	—	—	—	—	—	3	5	6	6	6		+19.4%
	Capex	—	—	—	—	—	—	0	(1)	(2)	(4)	(5)		+103.6%
	Free cash flow	—	—	—	—	—	—	3	4	4	2	1		(9.5%)
Balance, $m
Balance, $m	Working capital	—	—	—	—	—	—	76	83	75	84	93		+3.5%
	Net debt	—	—	54	49	49	52	(7)	(43)	(12)	22	28		(12.1%)
	Shareholders’ equity	—	—	45	47	51	53	57	100	100	102	101		+12.2%
Returns, %
Returns, %	ROA	—	—	0.98	0.92	1.33	1.26	1.11	0.51	1.08	0.95	0.87		0.0 pt
	ROIC	—	—	0.00	0.00	0.00	0.00	5.63	2.32	3.73	2.55	2.22		+2.6 pt
	ROE	—	—	5.94	5.60	7.87	7.18	6.36	2.23	4.18	3.92	3.63		(2.0) pt
People
People	Employees	—	—	—	—	—	—	—	50	59	57	—		+6.8%
	Revenue/emp, $m	—	—	0.00	0.00	0.00	0.00	0.00	0.30	0.31	0.37	—		n/m

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2023 · latest quarter Mar 2024

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CPBI Central Plains Bancshares, Inc.	$86.8M	17.5×	5.0×	+15.12% (above 0%: growing)	+50.00% (above 0%: growing)	+73.89% (above 0%: growing)	70.52%	0.00%	Compare
FUSB FIRST US BANCSH	$84.5M	11.9×	—	−0.42% (below 0%: shrinking)	+9.09% (above 0%: growing)	−0.33% (below 0%: shrinking)	67.30%	0.00%	Compare
UBCP United Bancorp, Inc.	$83.3M	10.4×	10.5×	+2.96% (above 0%: growing)	+9.09% (above 0%: growing)	−109.56% (below 0%: shrinking)	70.95%	0.00%	Compare
ASRV AmeriServ Financial Inc.	$82.9M	9.6×	— (loss-making)	+4.04% (above 0%: growing)	n/m	−756.91% (below 0%: shrinking)	70.16%	0.00%	Compare
SSBI Summit State Bank	$77.1M	33.6×	—	−3.24% (below 0%: shrinking)	n/m	−207.35% (below 0%: shrinking)	100.00%	0.00%	Compare
CLST Catalyst Bancorp, Inc.	$72.4M	31.4×	—	+3.68% (above 0%: growing)	+7.14% (above 0%: growing)	−14.23% (below 0%: shrinking)	74.83%	0.00%	Compare
HFBL Home Federal Bancorp, Inc. of Louisiana	$67.1M	10.9×	—	+10.29% (above 0%: growing)	+23.08% (above 0%: growing)	+210.53% (above 0%: growing)	70.94%	0.00%	Compare
CULL Cullman Bancorp, Inc.	$65.2M	32.5×	19.5×	+8.86% (above 0%: growing)	−26.67% (below 0%: shrinking)	−90.89% (below 0%: shrinking)	71.49%	0.00%
TCBS Texas Community Bancshares, Inc.	$50.0M	13.6×	26.5×	+8.29% (above 0%: growing)	+54.17% (above 0%: growing)	−4.04% (below 0%: shrinking)	67.29%	0.00%	Compare
Median of peers	$80.0M	12.8×	10.5×	+3.86%	+16.09%	−9.13%	70.73%	0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 19 April 2023

Ownership

Directors and executive officers, together 16.80%

Cullman Savings Bank Employee Stock Ownership Plan 13.60%

John A. Riley, III, Chairman, President and Chief Executive Officer 5.80%

Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement