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Cullman Bancorp, Inc. CULL

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Price alert · CULL

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17.25 USD 0.00 0.00%

At close · Oct 30

17.25 Day range 17.25
11.62 52-week range 17.30
YTD
+38.00%
1 year
+48.45%
Open
17.25
Prev close
17.25
Mkt cap
95.28M
Vol
100
Avg vol
1.35K
EPS
0.71
P/E
24.30
Div yield
1.28%
More statistics
Low
17.25
High
17.25
Forward P/E
0.00
Beta
0.16
Short ratio
1.33
Inst. own
13.08%
Dividend
0.12
Ex-div date
Jan 30, 2024
50-d avg
9.78
200-d avg
10.32
1y target
0.00

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Financial health

Altman Z-Score

-0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 1
  • P/B 4

Valuation

P/E 18.4×
FY 2016: 7.6×FY 2017: 8.4×FY 2018: 6.2×FY 2019: 6.6×FY 2020: 14.6×FY 2021: 49.1×FY 2022: 19.5×FY 2023: 19.9×FY 2024: 18.4×FY 2025: 18.4×
FY 2016 5y median 19.5× FY 2025
P/S 3.0×
FY 2016: 1.6×FY 2017: 1.5×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 3.3×FY 2021: 5.7×FY 2022: 4.4×FY 2023: 3.7×FY 2024: 2.7×FY 2025: 3.0×
FY 2016 5y median 3.7× FY 2025
P/B 0.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.5×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 12.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 5.9×FY 2020: 16.9×FY 2021: 22.2×FY 2022: 19.8×FY 2023: 34.7×FY 2024: 25.3×FY 2025: 12.8×
FY 2016 5y median 22.2× FY 2025
EV/EBITDA 19.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 13.5×FY 2020: 20.0×FY 2021: 39.1×FY 2022: 17.5×FY 2023: 19.6×FY 2024: 21.0×FY 2025: 19.5×
FY 2016 5y median 19.6× FY 2025
EV/Sales 4.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 4.4×FY 2020: 6.5×FY 2021: 6.8×FY 2022: 5.4×FY 2023: 5.1×FY 2024: 4.5×FY 2025: 4.6×
FY 2016 5y median 5.1× FY 2025
FCF Yield 7.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 16.8%FY 2020: 5.9%FY 2021: 4.5%FY 2022: 5.0%FY 2023: 2.9%FY 2024: 4.0%FY 2025: 7.8%
FY 2016 5y median 4.5% FY 2025

Profitability

Gross Margin 71.4%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 80.7%FY 2021: 87.6%FY 2022: 90.1%FY 2023: 78.4%FY 2024: 71.8%FY 2025: 71.4%
FY 2016 5y median 78.4% FY 2025
Operating Margin 20.7%
FY 2016: 31.2%FY 2017: 31.1%FY 2018: 31.8%FY 2019: 30.3%FY 2020: 28.8%FY 2021: 14.1%FY 2022: 29.0%FY 2023: 23.9%FY 2024: 18.8%FY 2025: 20.7%
FY 2016 5y median 20.7% FY 2025
Net Margin 16.3%
FY 2016: 20.4%FY 2017: 18.1%FY 2018: 25.0%FY 2019: 23.7%FY 2020: 22.7%FY 2021: 11.8%FY 2022: 23.0%FY 2023: 18.7%FY 2024: 14.7%FY 2025: 16.3%
FY 2016 5y median 16.3% FY 2025
ROE 4.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 7.0%FY 2020: 6.2%FY 2021: 1.8%FY 2022: 4.2%FY 2023: 3.9%FY 2024: 3.4%FY 2025: 4.2%
FY 2016 5y median 3.9% FY 2025
ROIC 2.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 1.3%FY 2020: 3.1%FY 2021: 1.4%FY 2022: 3.2%FY 2023: 0.9%FY 2024: 1.1%FY 2025: 2.7%
FY 2016 5y median 1.4% FY 2025
ROA 0.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 1.3%FY 2020: 1.1%FY 2021: 0.5%FY 2022: 1.0%FY 2023: 1.0%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 6.6%
FY 2016: 7.8%FY 2017: 6.7%FY 2018: 7.4%FY 2019: 2.9%FY 2020: -1.0%FY 2021: -4.8%FY 2022: 22.4%FY 2023: 16.2%FY 2024: 9.7%FY 2025: 6.6%
FY 2016 FY 2025
Operating Income 17.1%
FY 2016: 17.0%FY 2017: 6.6%FY 2018: 9.8%FY 2019: -2.0%FY 2020: -6.0%FY 2021: -53.5%FY 2022: 152.3%FY 2023: -4.4%FY 2024: -13.3%FY 2025: 17.1%
FY 2016 FY 2025
EPS (diluted) 28.8%
FY 2016: 13.8%FY 2017: -5.6%FY 2018: 48.5%FY 2019: -2.7%FY 2020: -64.4%FY 2021: -51.9%FY 2022: 136.0%FY 2023: -8.5%FY 2024: -3.7%FY 2025: 28.8%
FY 2016 FY 2025
Free Cash Flow 131.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: -27.8%FY 2021: 26.1%FY 2022: 5.9%FY 2023: -44.6%FY 2024: 10.6%FY 2025: 131.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 22.7×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 202×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 22.7×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 202×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 7.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 8.7×FY 2020: 9.9×FY 2021: 6.3×FY 2022: 3.3×FY 2023: 5.5×FY 2024: 8.4×FY 2025: 7.1×
FY 2016 5y median 6.3× FY 2025
Interest Coverage 0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 1.6×FY 2021: 1.2×FY 2022: 3.9×FY 2023: 1.2×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 1.1%
FY 2016: 1.1%FY 2017: 2.1%FY 2018: 0.0%FY 2019: 3.4%FY 2020: 1.6%FY 2021: 1.0%FY 2022: 1.1%FY 2023: 1.1%FY 2024: 1.4%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025
Payout Ratio 20.0%
FY 2016: 8.3%FY 2017: 17.5%FY 2018: 0.0%FY 2019: 22.5%FY 2020: 23.4%FY 2021: 49.0%FY 2022: 21.3%FY 2023: 22.4%FY 2024: 25.6%FY 2025: 20.0%
FY 2016 5y median 22.4% FY 2025

Annual · latest fiscal year ends 2025-12-31