Cullman Bancorp, Inc.
CULL Financial Banks Regional
Cullman Bancorp, Inc.’s revenue for fiscal 2023 (year ended December 2023) was $21.2 million, up 16.2% from fiscal 2022. Dividend growth for five consecutive years, revenue growth for three, operating cash flow growth for five.
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Cullman Bancorp, Inc. (CULL) Dividend Safety Score
Cullman Bancorp, Inc.'s Dividend Safety Score for fiscal 2023 cannot be worked out: not meaningful for banks, insurers and REITs.
Dividend Safety Score, annual
Annual newest first
| Period | Dividend Safety Score | Change (points) |
|---|
How fiscal 2023’s score is made up
| Component | This year | Year before | Result | Points |
|---|---|---|---|---|
| Payout of earnings | 22.41% | — | Pass | 25 |
| Payout of free cash flow | 39.71% | — | Pass | 25 |
| Net debt / EBITDA EBITDA at or below zero | — | — | Fail | 0 |
| Years without a dividend cut | 5 | — | Pass | 12 |
| Years of falling or negative earnings over the last 7 fiscal years | 2 | — | Fail | 4 |
| Dividend Safety Score | n/a — not meaningful for banks, insurers and REITs | — | ||
How the stockrow Dividend Safety Score works
Our own composite, out of 100, for the latest fiscal year: up to 25 points for how little of its earnings the dividend takes, 25 for how little of its free cash flow, 20 for net debt against EBITDA, 20 for the years it has paid without a cut and 10 for how steady earnings per share have been over ten years. How we calculate it.
| 80–100 | Well covered |
|---|---|
| 60–79 | Adequately covered |
| 40–59 | Stretched |
| below 40 | Weakly covered |
Not worked out for a company that pays no regular dividend, for banks and REITs, whose payouts and leverage these measures do not describe, or with fewer than five years of earnings.
Dividend Safety Score against peers
| Company | Dividend Safety Score |
|---|---|
| ASRV AmeriServ Financial Inc. compare | — |
| UBCP United Bancorp, Inc. compare | — |
| CPBI Central Plains Bancshares, Inc. compare | — |
| BCOW 1895 Bancorp of Wisconsin Inc. compare | — |
| SSBI Summit State Bank compare | — |
| TCBS Texas Community Bancshares, Inc. compare | — |
| HFBL Home Federal Bancorp, Inc. of Louisiana compare | — |
| CLST Catalyst Bancorp, Inc. compare | — |
| CULL Cullman Bancorp, Inc. | — |
What Dividend Safety Score is
The stockrow Dividend Safety Score rates how well earnings and free cash flow cover the dividend, with leverage, the dividend’s record and stable earnings.
Up to 25 points for the payout of earnings, 25 for the payout of free cash flow, 20 for net debt ÷ EBITDA, 20 for the years without a dividend cut and 10 for stable earnings