Cullman Bancorp Inc.

Financial Services US CULL

15.5USD
0.00(0%)

Last update at 2026-06-02T20:00:00Z

Day Range

15.5015.50

LowHigh

52 Week Range

10.0114.25

LowHigh

Fundamentals

Previous Close 15.50
Market Cap85.26M
Volume100
P/E Ratio21.27
Dividend Yield0.84%
Revenue TTM17.80M
Revenue Per Share TTM3.04
Gross Profit TTM 17.80M
Diluted EPS TTM0.67

Overview
Financials
Peer Comparison
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Profile

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Income before tax	5.12M	4.38M	5.05M	5.28M	2.09M
Minority interest	-	-	-	-	-
Net income	4.04M	3.42M	3.95M	4.18M	1.75M
Selling general administrative	8.94M	8.56M	7.95M	8.73M	7.39M
Selling and marketing expenses	-	-	0.12M	0.18M	0.17M
Gross profit	17.70M	-	16.60M	16.85M	13.09M
Reconciled depreciation	0.77M	0.59M	0.38M	0.34M	0.47M
Ebit	-	-	5.05M	6.65M	2.09M
Ebitda	5.12M	4.38M	5.52M	6.98M	2.57M
Depreciation and amortization	-	-	0.47M	0.34M	0.47M
Non operating income net other	-	-	-	-	-
Operating income	5.12M	4.38M	5.05M	6.65M	2.09M
Other operating expenses	19.65M	-	16.12M	-10.20100M	-10.99900M
Interest expense	7.02M	6.95M	4.28M	1.36M	1.79M
Tax provision	1.08M	0.87M	1.06M	1.10M	0.34M
Interest income	23.08M	21.54M	19.04M	16.53M	13.37M
Net interest income	16.06M	14.59M	15.44M	15.16M	11.58M
Extraordinary items	-	-	-	-	-
Non recurring	-	-	-	-	-
Other items	-	-	-	-	-
Income tax expense	1.08M	0.87M	1.10M	1.10M	0.34M
Total revenue	24.77M	23.23M	21.17M	16.85M	13.09M
Total operating expenses	12.57M	-	11.55M	-10.20100M	-10.99900M
Cost of revenue	7.08M	-	4.57M	-	-
Total other income expense net	-	-	0.13M	-1.36500M	-1.78600M
Discontinued operations	-	-	-	-	-
Net income from continuing ops	4.04M	3.51M	4.06M	4.18M	1.75M
Net income applicable to common shares	-	-	-	4.18M	1.75M
Preferred stock and other adjustments	-	-	-	-	-

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Total assets	434.61M	433.01M	411.64M	423.23M	354.71M
Intangible assets	-	-	-	-	-
Earning assets	-	-	-	-	-
Other current assets	-	20.58M	-	1.16M	0.78M
Total liab	338.46M	332.76M	309.91M	323.05M	254.97M
Total stockholder equity	96.15M	100.25M	101.73M	100.18M	99.73M
Deferred long term liab	-	-	-	-	-
Other current liab	-	104.09M	-0.23900M	-0.15500M	-0.06000M
Common stock	0.06M	0.07M	0.07M	0.07M	0.07M
Capital stock	0.06M	0.07M	0.07M	0.07M	0.07M
Retained earnings	65.21M	61.98M	59.34M	56.56M	53.27M
Other liab	-	-	-	4.83M	4.39M
Good will	-	-	-	-	-
Other assets	-	412.43M	335.33M	378.79M	299.61M
Cash	2.96M	3.09M	4.39M	6.42M	2.21M
Cash and equivalents	-	-	-	-	-
Total current liabilities	-	109.09M	0.24M	0.15M	0.06M
Current deferred revenue	-	-	-	-	-
Net debt	42.04M	45.00M	30.61M	18.58M	16.29M
Short term debt	-	5.00M	-	-	-
Short long term debt	-	-	-	-	-
Short long term debt total	45.00M	45.00M	35.00M	25.00M	18.50M
Other stockholder equity	35.32M	43.83M	45.23M	47.10M	46.12M
Property plant equipment	-	-	-	10.90M	9.48M
Total current assets	18.61M	20.58M	34.00M	31.39M	24.30M
Long term investments	21.85M	23.10M	28.36M	359.74M	21.31M
Net tangible assets	-	-	-	100.18M	99.73M
Short term investments	14.10M	23.10M	28.36M	29.80M	21.31M
Net receivables	1.55M	1.34M	1.26M	1.16M	0.78M
Long term debt	45.00M	45.00M	35.00M	25.00M	18.50M
Inventory	-	-	-	0.05M	0.40M
Accounts payable	0.45M	0.39M	0.24M	0.15M	0.06M
Total permanent equity	-	-	-	-	-
Noncontrolling interest in consolidated entity	-	-	-	-	-
Temporary equity redeemable noncontrolling interests	-	-	-	-	-
Accumulated other comprehensive income	-4.43700M	-5.61800M	-2.91300M	-3.55800M	0.28M
Additional paid in capital	-	-	-	-	-
Common stock total equity	-	-	-	0.07M	-
Preferred stock total equity	-	-	-	-	-
Retained earnings total equity	-	-	-	56.56M	-
Treasury stock	-	-	-	-	-
Accumulated amortization	-	-	-	-	-
Non currrent assets other	10.70M	-20.18400M	-42.31300M	-30.27500M	-30.79700M
Deferred long term asset charges	-	-	-	-	-
Non current assets total	416.00M	-	42.31M	13.04M	30.80M
Capital lease obligations	-	-	-	-	-
Long term debt total	-	-	-	-	-

Breakdown	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Investments	2.52M	5.21M	-17.23100M	-97.56000M	-2.85000M
Change to liabilities	-	-	-	0.10M	0.00000M
Total cashflows from investing activities	-2.97600M	-15.02500M	-11.89300M	-97.56000M	-22.66600M
Net borrowings	-0.01000M	10.00M	10.13M	25.00M	-34.95400M
Total cash from financing activities	-5.12300M	14.93M	-17.57700M	66.50M	19.14M
Change to operating activities	-	-	-	0.29M	0.81M
Net income	3.96M	3.42M	3.95M	4.18M	1.75M
Change in cash	-2.17800M	6.21M	-23.60900M	-25.29300M	1.58M
Begin period cash flow	19.24M	13.04M	36.65M	61.94M	60.36M
End period cash flow	17.06M	19.24M	13.04M	36.65M	61.94M
Total cash from operating activities	5.92M	6.30M	5.86M	5.77M	5.11M
Issuance of capital stock	-	-	-	0.00000M	37.51M
Depreciation	0.77M	0.59M	0.47M	0.34M	0.47M
Other cashflows from investing activities	-5.48700M	-16.40000M	-8.26300M	-95.81700M	1.87M
Dividends paid	0.81M	0.88M	0.89M	-0.88900M	-0.85700M
Change to inventory	-	-	-	-	-
Change to account receivables	-0.21300M	-0.07800M	-0.09800M	-0.38700M	0.23M
Sale purchase of stock	-9.41000M	-5.31200M	-2.87000M	-0.12700M	15.04M
Other cashflows from financing activities	5.11M	11.11M	-23.94800M	85.93M	2.39M
Change to netincome	-	-	-	4.58M	1.85M
Capital expenditures	0.22M	3.84M	3.63M	1.74M	1.30M
Change receivables	-	-	-	-0.38700M	-
Cash flows other operating	-	-	-	-3.04300M	-
Exchange rate changes	-	-	-	-	-
Cash and cash equivalents changes	-	-	-	-25.29300M	-
Change in working capital	0.17M	1.45M	0.67M	-0.10100M	1.03M
Stock based compensation	1.14M	1.25M	0.99M	1.12M	0.80M
Other non cash items	1.78M	1.44M	-0.11100M	0.09M	1.39M
Free cash flow	5.71M	2.47M	2.23M	4.03M	3.80M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company	Change (USD)	Price (USD)	Trailing PE (x)	Forward PE (x)	Price Sales TTM (x)	Price to Book Value (x)	Enterprise Value to Revenue (x)
CULL Cullman Bancorp Inc.	- -%	15.50	21.27	-	4.79	0.87	7.25
HDB HDFC Bank Limited ADR	0.01 0.04%	23.55	20.81	20.96	0.11	4.77
CIHKY China Merchants Bank Co Ltd	-0.425 1.38%	30.39	7.78	7.65	0.56	0.90	3.62
DBSDF DBS Group Holdings Ltd	- -%	51.34	15.29	14.41	5.84	2.36	10.40
CIHHF China Merchants Bank Co Ltd Class H	- -%	5.92	6.10	5.67	0.44	0.77	3.43

Reports Covered

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Profile

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various financial products and services in the United States. It offers personal and business checking accounts; personal savings accounts comprising kids club, Christmas club, certificates of deposits, and individual retirement accounts; business savings accounts; debit and credit cards; online banking, automated clearinghouse, merchant, and remote deposit capture services; mobile banking and deposit; eStatements; overdraft protection; safe deposit boxes; wire transfers; and cashier's checks. The company also provides personal loans, including mortgage, home equity, land, construction, and personal and auto loans, as well as business loans, such as commercial real estate, term loans, lines of credit, and agricultural loans. Cullman Bancorp, Inc. was founded in 1887 and is based in Cullman, Alabama.

Cullman Bancorp Inc.

316 Second Avenue S.W., Cullman, AL, United States, 35055

256 734 1740
https://www.cullmansavingsbank.com

Key Executives

Name	Title	Year Born
Mr. John A. Riley III	Chairman, Pres & CEO	1965
Ms. Robin S. Parson	Exec. VP, COO & Director	1967
Ms. T'aira Ugarkovich	Exec. VP	1985
Ms. Katrina I. Stephens	CFO & Sr. VP	1984
Ms. Robin O'Berry	Sr. VP, Sec., Sr. VP of Cullman Savings Bank and Sec. of Cullman Savings Bank	1967
Mr. John A. Riley III	Chairman, President & CEO	1965
Ms. T'aira Ugarkovich	Executive VP & COO	1985
Ms. Robin S. Parson	Executive VP & Director	1967
Ms. Katrina I. Stephens	CFO & Senior VP	1984
Ms. Robin O'Berry	Senior VP & Secretary	1967

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