OTCPK:CULL

Stock Analysis Report

Executive Summary

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.


Snowflake Analysis

Acceptable track record with weak fundamentals.

Share Price & News

How has Cullman Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CULL's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

0%

CULL

-7.0%

US Banks

-2.6%

US Market


1 Year Return

n/a

CULL

-32.9%

US Banks

-13.3%

US Market

Return vs Industry: Insufficient data to determine how CULL performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CULL performed against the US Market.


Shareholder returns

CULLIndustryMarket
7 Day0%-7.0%-2.6%
30 Day-6.7%-24.6%-15.2%
90 Day-6.7%-41.9%-22.2%
1 Yearn/a-30.8%-32.9%-11.5%-13.3%
3 Year5.1%2.5%-21.4%-27.3%13.2%5.7%
5 Year48.3%40.0%2.7%-9.2%31.8%17.2%

Price Volatility Vs. Market

How volatile is Cullman Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Cullman Bancorp undervalued compared to its fair value and its price relative to the market?


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.


Next Steps

  • Take a look at our analysis of CULL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Cullman Bancorp regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Cullman Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-2.8%

Forecasted Banks industry annual growth in earnings


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 SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of CULL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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.
  • Explore growth companies in the Banks industry.

Past Performance

How has Cullman Bancorp performed over the past 5 years?

12.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CULL has high quality earnings.

Growing Profit Margin: CULL's current net profit margins (29%) are higher than last year (27.6%).


Past Earnings Growth Analysis

Earnings Trend: CULL's earnings have grown by 12% per year over the past 5 years.

Accelerating Growth: CULL's earnings growth over the past year (5%) is below its 5-year average (12% per year).

Earnings vs Industry: CULL earnings growth over the past year (5%) underperformed the Banks industry 10.9%.


Return on Equity

High ROE: Insufficient data to calculate CULL's Return on Equity to determine if it is high.


Next Steps

Financial Health

How is Cullman Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


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.


Next Steps

  • Take a look at our analysis of CULL’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • 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.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Cullman Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate CULL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate CULL's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if CULL's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CULL's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: CULL is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CULL's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

18.3yrs

Average management tenure


CEO

John Riley (54yo)

11.25s

Tenure

US$521,093

Compensation

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 ...


Leadership Team

NamePositionTenureCompensationOwnership
John Riley
President & CEO11.25yrsUS$521.09kno data
Katrina Stephens
Chief Financial Officerno datano datano data
Robin O'Berry
Senior VP21.25yrsno datano data
Robin Parson
Senior VP18.25yrsno datano data

18.3yrs

Average Tenure

52yo

Average Age

Experienced Management: CULL's management team is seasoned and experienced (18.3 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
John Riley
President & CEO11.25yrsUS$521.09kno data
Nancy McClellan
Director11.25yrsUS$71.65kno data
Paul Bussman
Director11.25yrsUS$70.63kno data
Kim Chaney
Chairman of the Boardno dataUS$70.61kno data
William Peinhardt
Independent Director11.25yrsUS$70.69kno data
Gregory Barksdale
Director7.25yrsno datano data

11.3yrs

Average Tenure

62yo

Average Age

Experienced Board: CULL's board of directors are seasoned and experienced ( 11.3 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

Cullman Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Cullman Bancorp, Inc.
  • Ticker: CULL
  • Exchange: OTCPK
  • Founded: 1887
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$64.076m
  • Shares outstanding: 2.29m
  • Website: https://www.cullmansavingsbank.com

Location

  • Cullman Bancorp, Inc.
  • 316 Second Avenue SW
  • Cullman
  • Alabama
  • 35055
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CULLOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDOct 2009

Biography

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. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/04/07 03:59
End of Day Share Price2020/03/31 00:00
Earnings2019/09/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.