Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services in Cullman County and the contiguous surrounding counties.
The last earnings update was 125 days ago.
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
In this section, we usually try to help investors determine whether Cullman Bancorp is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Cullman Bancorp has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.
This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis. You can see them here.
Show me the analysis anyway
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Cullman Bancorp. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Cullman Bancorp's earnings available for a low price, and how does
this compare to other companies in the same industry?
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Cullman Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
expected to grow at an
Unable to compare Cullman Bancorp's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare Cullman Bancorp's earnings growth to the United States of America market average as no estimate data is available.
Unable to compare Cullman Bancorp's revenue growth to the United States of America market average as no estimate data is available.
Unable to determine if Cullman Bancorp is high growth as no earnings estimate data is available.
Unable to determine if Cullman Bancorp is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Cullman Bancorp's filings and announcements here.
Cullman Bancorp's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
2/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
In this section we usually analyse Cullman Bancorp's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Cullman Bancorp has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.
This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information. You can see them here.
Show me the analysis anyway
This company is a bank or financial institution.
Fundamentally a bank's business is based upon borrowing and lending money, for
this reason they typically have high levels of debt and we analyse them
This treemap shows a more detailed breakdown of
Cullman Bancorp's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
All data from Cullman Bancorp Company Filings, last reported 4 months ago.
OTCPK:CULL Past Debt and Equity Data
Date (Data in USD Millions)
Cash & Short Term Investments
This company is a bank or financial institution, which is
analysed accordingly below.
Below we check the amount of loans the bank has, how many of those are
bad, and its ability to cover any bad loans.
Unable to establish if Cullman Bancorp has an acceptable proportion of non-loan assets without balance sheet data.
Unable to establish if Cullman Bancorp's liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
Cullman Bancorp reports no customer deposits, loans are made up entirely of borrowed funds.
Unable to establish if Cullman Bancorp's level of assets compared to its equity is high without balance sheet data.
Unable to establish if Cullman Bancorp has a sufficient allowance for bad loans without relevant financial data.
Unable to establish if Cullman Bancorp has an acceptable level of bad loans without bad loans data.
Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Cullman Bancorp's financial data was last updated here.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
John A. Riley, III currently serves as President and Chief Executive Officer of Cullman Bancorp, Inc. (MHC) and Cullman Savings Bank (MHC) (the "Bank") and has served in those positions since 2009 and 2006. He was employed by the Bank in 1993 as a Loan Officer and held several positions prior to being named Chief Executive Officer, including Senior Vice President for Lending, a position he held from 1999 until his appointment as Chief Executive Officer. He currently serves on the Board of Directors of the Bank and serves on several Boards in the community, including Chairman of Operation Roundup Trust, Chairman of Cullman Regional Medical Center Foundation, Chairman of Good Samaritan Clinic Foundation and the Cullman Chamber of Commerce. Mr. Riley is a past Board Member for the Cullman Area Chamber of Commerce, and is a Member of the Cullman Lions Club and the Cullman County Realtors Association.
Insufficient data for John to compare compensation growth.
Insufficient data for John to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure
Average tenure and age of the
management team in years:
The average tenure for the Cullman Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.
President & CEO
Chief Financial Officer
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The average tenure for the Cullman Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors
Chairman of the Board
President & CEO
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services in Cullman County and the contiguous surrounding counties. It offers various deposit products, such as demand accounts, NOW accounts, money market accounts, savings accounts, and certificates of deposit. The company’s loan portfolio includes one-to-four family residential real estate loans, commercial real estate loans, multi-family real estate loans, construction loans, commercial business loans and lines of credit, and home equity loans, as well as loans secured by deposits, auto loans, and miscellaneous types of installment loans. Cullman Bancorp, Inc. operates through main office and one branch office located in Cullman, Alabama; and an additional branch office located in Hanceville, Alabama. The company was founded in 1887 and is headquartered in Cullman, Alabama. Cullman Bancorp, Inc. is a subsidiary of Cullman Savings Bank, MHC.
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