Cullman Bancorp, Inc.
General ticker "CULL" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $69.5M (TTM average)
Cullman Bancorp, Inc. follows the US Stock Market performance with the rate: 46.8%.
Estimated limits based on current volatility of 0.2%: low 11.94$, high 11.99$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-02-03, amount 0.12$ (Y4.00%)
- Total employees count: 57 (-5.0%) as of 2023
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Real estate market risks, Construction risks, Interest rate fluctuations, Operational and conduct risks, Economic downturns and volatility
- Earnings for 15 months up through Q1 (+1 year) are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [8.92$, 11.53$]
- 2024-12-30 to 2025-12-30 estimated range: [9.18$, 11.93$]
Financial Metrics affecting the CULL estimates:
- Positive: with PPE of 20.0 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 23.86 > 18.64
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
- Positive: 18.93 < Shareholder equity ratio, % of 24.71 <= 41.86
- Negative: Interest expense per share per price, % of 5.49 > 3.41
- Positive: Industry operating profit margin (median), % of 23.49 > 9.92
- Negative: Investing cash flow per share per price, % of -15.27 <= -14.38
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
- Positive: Industry earnings per price (median), % of 8.44 > 4.43
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: 6.82 < Operating cash flow per share per price, % of 7.52
Short-term CULL quotes
Long-term CULL plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $14.88MM | $18.21MM | $21.17MM |
| Operating Expenses | $12.79MM | $12.93MM | $16.12MM |
| Operating Income | $2.09MM | $5.28MM | $5.05MM |
| Interest Expense | $1.79MM | $1.36MM | $4.28MM |
| Income(Loss) | $2.09MM | $5.28MM | $5.05MM |
| Taxes | $0.34MM | $1.10MM | $1.10MM |
| Profit(Loss)* | $1.75MM | $4.18MM | $3.95MM |
| Stockholders Equity | $99.73MM | $100.18MM | $101.73MM |
| Assets | $354.71MM | $423.23MM | $411.64MM |
| Operating Cash Flow | $5.23MM | $5.77MM | $5.86MM |
| Capital expenditure | $1.30MM | $1.74MM | $3.63MM |
| Investing Cash Flow | $-22.79MM | $-97.56MM | $-11.89MM |
| Financing Cash Flow | $19.14MM | $66.50MM | $-17.58MM |
| Earnings Per Share** | $0.26 | $0.60 | $0.55 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.