Cullman Bancorp
Market Cap
US$64.1m
Last Updated
2020/04/07 03:59 UTC
Data Sources
Company Financials
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.
Rewards
Risk Analysis
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
| CULL | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | -7.0% | -2.6% |
| 30 Day | -6.7% | -24.6% | -15.2% |
| 90 Day | -6.7% | -41.9% | -22.2% |
| 1 Year | n/a | -30.8%-32.9% | -11.5%-13.3% |
| 3 Year | 5.1%2.5% | -21.4%-27.3% | 13.2%5.7% |
| 5 Year | 48.3%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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President & CEO | 11.25yrs | US$521.09k | no data | |
| Chief Financial Officer | no data | no data | no data | |
| Senior VP | 21.25yrs | no data | no data | |
| Senior VP | 18.25yrs | no data | no 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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President & CEO | 11.25yrs | US$521.09k | no data | |
| Director | 11.25yrs | US$71.65k | no data | |
| Director | 11.25yrs | US$70.63k | no data | |
| Chairman of the Board | no data | US$70.61k | no data | |
| Independent Director | 11.25yrs | US$70.69k | no data | |
| Director | 7.25yrs | no data | no 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CULL | OTCPK (Pink Sheets LLC) | Yes | Common Shares | US | USD | Oct 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/04/07 03:59 |
| End of Day Share Price | 2020/03/31 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
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.