1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Cullman Bancorp, Inc.

Cullman Bancorp, Inc.

CULL
Cullman Bancorp, Inc.US flagOther OTC
15.50
USD
- -
- -
89.08MMarket Cap
Cullman Bancorp, Inc.
CULL
(Other OTC)

Recent

price

15.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2007
2008
2009
2010
2011
2020
2021
2022
2023
2024
2025
TTM
FRC
0.69
0.97
1.13
1.32
1.35
1.91
1.91
2.43
2.44
2.5
3.04
2.35
Revenue per Share
0.08
0.04
0.08
0.3
0.29
0.53
0.26
0.6
0.57
0.54
0.69
0.52
Basic EPS, GAAP
0.11
0.16
0.2
0.39
0.35
0.45
0.57
0.58
0.32
0.38
0.97
0.13
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.08
0.12
0.12
0.13
0.13
0.13
0.14
0.12
Dividend per Share
3.67
3.71
3.95
4.24
4.44
7.44
7.78
8.15
8.59
9.52
11.15
8.4
Book Value per Share
3.65
3.7
5.32
5.56
5.86
8.51
14.55
14.42
14.7
15.38
16.43
14.37
Tangible Book Value per Share
7
7
7
7
7
7
7
7
7
7
6
7
Basic Weighted Avg Shares
5
7
8
9
9
13
13
17
17
16
18
17
Sales/Revenue/Turnover
16.91
14.88
15.69
34.59
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
1
- -
- -
- -
1
1
- -
Depreciation Expense
1
- -
1
2
2
4
2
4
4
4
4
4
Net Income, GAAP
33.73
71.23
52.14
34.63
35.34
21.25
16.43
20.84
21.72
19.86
21.06
20.44
Effective Tax Rate (%)
11.2
4.28
7.51
22.61
21.32
27.8
13.37
24.82
23.4
21.54
22.76
22.08
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
48
56
52
48
43
54
18
25
35
45
45
45
LT Debt
26
26
37
38
40
57
100
100
102
100
96
101
Total Equity
- -
0.38
0.68
2.35
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.12
2.17
7.29
6.66
8.83
3.4
7.61
6.81
5.77
6.35
6.2
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'23
Dec'23
Mar'24
ST Debt
- -
- -
- -
LT Borrowings
35
35
45
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
7
7
Market Capitalization
73
75
70

Working Capital

FRC

•

in mil. unless spec.
Sep'23
Dec'23
Mar'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
31
33
32
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.24%
14.36%
-4.09%
Free Cash Flow
30.44%
25.99%
131.16%
Net Income, GAAP
46.54%
17.39%
15.34%
Sales/Revenue/Turnover
14.67%
7.43%
9.17%
Total Cash Common Dividend
- -
-0.43%
-7.53%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
- -
- -
- -
16
2025
4
- -
- -
- -
18
2026
5
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
- -
- -
- -
0.54
2025
0.13
- -
- -
- -
0.69
2026
0.11
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
- -
- -
- -
0.13
2025
- -
- -
- -
- -
0.14
2026
- -
- -
- -
- -
- -
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Business
Cullman Bancorp, Inc. Cullman Bancorp, Inc. (CULL) serves as the holding company for Cullman Savings Bank, a community-focused financial institution providing retail and commercial banking products and services primarily in Cullman County and surrounding areas of northern Alabama. Founded in 1887 and headquartered at 316 Second Avenue SW in Cullman, Alabama, the company offers a comprehensive range of deposit products, including personal and business checking accounts, savings accounts such as kids club and Christmas club options, certificates of deposit, individual retirement accounts, and money market accounts; lending products encompassing residential mortgages, home equity loans, land and construction loans, personal and auto loans, commercial real estate loans, term loans, lines of credit, and agricultural loans; and ancillary services such as debit and credit cards, online and mobile banking, bill pay, automated clearing house processing, merchant services, remote deposit capture, eStatements, overdraft protection, safe deposit boxes, wire transfers, and cashier's checks. Operations are conducted through full-service branches and ATMs in Cullman County and neighboring communities, with an emphasis on local decision-making, personalized service, and digital enhancements including mobile deposits and treasury management tools for business clients. In recent developments, the company delisted from the Nasdaq Capital Market in July 2024 to transition to the OTCQX Market as a cost-saving measure while maintaining audited financial reporting and quarterly disclosures; it also reported earnings for the second quarter and six months ended June 30, 2025, reflecting ongoing stability amid a competitive regional banking environment.

Company News

APIChat

  • businesswire.com

    Cullman Bancorp, Inc. Announces Voluntary NASDAQ Delisting and SEC Deregistration

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    Which Microcap Can You "Bank" On?

  • businesswire.com

    Cullman Bancorp, Inc. Announces Payment of Annual Cash Dividend of $0.12 Per Share