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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.

17.25 0.25 +1.47%
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 Business Profile Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 15.68%

Capital & Financial Ratios $m

Market Cap 65.15
Revenue 21.61
Net Income 3.65
Free Cash Flow 0.93
Net Debt 27.65
Current Ratio 1.35
Debt/Equity 0.44
P/E ratio 32.55
Fwd P/E 19.50
P/S ratio 5.38
P/B ratio 1.15
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth 9.55%
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 90.58%
10-year low 10-year high
P/S against its own 10 years 83.71%
10-year low 10-year high
P/B against its own 10 years 80.07%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate 0.12
Annual Dividend Yield 0.70%
total individual payouts
2026 0.12
0.12
2025 0.12
0.12
2024 0.12
0.12
2023 0.12
0.12
2022 0.12
0.12
2021 0.35
0.35
2020 0.35
0.35
2019 0.35
0.35
2018 Powerpack
2017 0.50
0.50
2016 0.25
0.25
special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Trend 2024e 2025e 2026e
Price, $
Price, $ Low — — 21.50 22.54 24.00 25.52 18.00 11.13 10.40 10.22

Analyst estimates 2024–2026

Powerpack
High — — 27.00 29.50 27.50 30.00 30.00 44.00 12.60 13.25
People
People Employees — — — — — — — 50 59 57
Revenue/emp, $m — — 0.00 0.00 0.00 0.00 0.00 0.30 0.31 0.37
Income, $m
Income, $m Revenue — — 11 12 13 13 16 15 18 21
Gross margin, % — — 0.00 0.00 0.00 0.00 81.65 88.00 92.51 79.80
EBT — — 4 4 5 5 5 2 5 5
EBT margin, % — — 37.25 36.70 38.06 37.52 28.83 14.07 29.01 23.86
Net income — — 3 3 4 4 4 2 4 4
Depreciation — — — — — — 1 0 0 0
Per share, $
Per share, $ Revenue — — 4.37 4.64 5.01 4.94 2.34 2.17 2.62 3.06
Earnings — — 1.07 1.01 1.50 1.46 0.53 0.25 0.56 0.56
Cash flow — — 0.00 0.00 0.00 0.00 0.52 0.76 0.83 0.85
Capex — — 0.00 0.00 0.00 0.00 (0.06) (0.19) (0.25) (0.52)
Free cash flow — — 0.00 0.00 0.00 0.00 0.45 0.57 0.58 0.32
Book value — — 17.68 18.26 19.77 20.82 8.51 14.55 14.42 14.70
Shares, m — — 3 3 3 3 7 7 7 7
Valuation, ×
Valuation, × P/E — — 17.74 17.74 17.74 17.74 17.74 46.98 18.99 18.88
P/S — — 0.00 0.00 0.00 0.00 3.95 5.66 4.35 3.52
P/B — — 1.36 1.36 1.36 1.36 0.99 0.84 0.79 0.73
EV/Sales — — 0.00 0.00 0.00 0.00 3.47 2.74 3.71 4.56
EV/FCF — — 0.00 0.00 0.00 0.00 0.00 10.39 16.80 43.22
Cash, $m
Cash, $m Operating cash flow — — — — — — 3 5 6 6
Capex — — — — — — 0 (1) (2) (4)
Free cash flow — — — — — — 3 4 4 2
Balance, $m
Balance, $m Working capital — — — — — — 76 83 75 84
Total debt — — 54 49 49 52 54 19 25 35
Net debt — — 54 49 49 52 (7) (43) (12) 22
Shareholders’ equity — — 45 47 51 53 57 100 100 102
Returns, %
Returns, % ROA — — 0.98 0.92 1.33 1.26 1.11 0.51 1.08 0.95
ROIC — — 0.00 0.00 0.00 0.00 5.63 2.32 3.73 2.55
ROE — — 5.94 5.60 7.87 7.18 6.36 2.23 4.18 3.92
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2023 · latest quarter Mar 2024

Charts ten years each

Cullman Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

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. $82.6M 16.8× 5.0× +15.12% (above 0%: growing) +50.00% (above 0%: growing) +73.89% (above 0%: growing) 70.52% 0.00% Compare
SSBI Summit State Bank $81.7M 36.5× — −3.24% (below 0%: shrinking) n/m −207.35% (below 0%: shrinking) 100.00% 0.00% Compare
UBCP United Bancorp, Inc. $77.6M 9.7× 11.8× +2.96% (above 0%: growing) +9.09% (above 0%: growing) −109.56% (below 0%: shrinking) 70.95% 0.00% Compare
ASRV AmeriServ Financial Inc. $75.7M 8.9× — (loss-making) +4.04% (above 0%: growing) n/m −756.91% (below 0%: shrinking) 70.16% 0.00% Compare
HFBL Home Federal Bancorp, Inc. of Louisiana $73.1M 11.8× — +10.29% (above 0%: growing) +23.08% (above 0%: growing) +210.53% (above 0%: growing) 70.94% 0.00% Compare
CLST Catalyst Bancorp, Inc. $68.0M 29.8× — +3.68% (above 0%: growing) +7.14% (above 0%: growing) −14.23% (below 0%: shrinking) 74.83% 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%
BCOW 1895 Bancorp of Wisconsin Inc. $57.9M 88.0× — (loss-making) +1.53% (above 0%: growing) n/m +993.81% (above 0%: growing) 64.21% 0.00% Compare
TCBS Texas Community Bancshares, Inc. $49.6M 13.4× 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 $74.4M 15.1× 11.8× +3.86% +23.08% −9.13% 70.73% 0.00%

All 323 Banks Regional stocks →

Cullman Bancorp, Inc. (CULL) key facts

  • Strength: Cullman Bancorp, Inc.’s revenue for fiscal 2023 (year ended December 2023) was $21.2 million, up 16.2% from fiscal 2022.
  • Cullman Bancorp, Inc. (CULL) is a Banks Regional company in the Financial sector.
  • As of October 16, 2026, CULL traded at $17.25, a market capitalization of $65.2 million.
  • Cullman Bancorp, Inc. pays an annual dividend of $0.12 per share, a yield of 0.70%.
  • Return on equity was 3.92% and debt-to-equity 0.44.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2023.

Source: company filings (standardised) and stockrow calculations.

Cullman Bancorp, Inc. (CULL) Latest News

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stockrow.com/CULL · Data as of Mar 31, 2024 · For information only; not investment advice. · © 2026 stockrow.com