Cullman Bancorp, Inc. Financial Ratios — CULL Stock

Profitability (USD)

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	1.12	2.17	7.29	6.66	8.83	3.4	7.61	6.81	5.77	6.35
Return on Assets (%)	- -	0.14	0.27	0.94	0.89	1.28	0.51	1.08	0.95	0.83	0.93
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	0.38	0.68	2.35	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	21.31	21.39	18.82	36.54	2.75	4.52	3.61	1.99	2.78	3.65	4.33
Operating Margin (%)	16.91	14.88	15.69	34.59	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	9.93	22.51	143.87	-1,226.17	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	16.91	14.88	15.69	34.59	32.97	35.31	15.99	31.36	29.9	26.88	28.83
Profit Margin (%)	11.2	4.28	7.51	22.61	21.32	27.8	13.37	24.82	23.4	21.54	22.76
Net Income to Common Margin (%)	11.2	4.28	7.51	22.61	21.32	27.8	13.37	24.82	23.4	21.54	22.76
Effective Tax Rate (%)	33.73	71.23	52.14	34.63	35.34	21.25	16.43	20.84	21.72	19.86	21.06
Dvd Payout Ratio (%)	- -	- -	- -	- -	26.85	23.43	48.97	21.25	22.41	24.98	20.02
Sustainable Growth Rate (%)	- -	1.12	2.17	7.29	4.87	6.76	1.73	5.99	5.29	4.33	5.08

Credit (USD)

API Chat

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	48	56	52	48	43	54	18	25	35	45	45
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	48	56	52	48	43	54	18	25	35	45	45
Total Debt/EBITDA	45.71	37.55	35.67	14.42	166.49	92.72	39.11	74.63	74.63	75.76	58.44
Net Debt/EBITDA	41.75	36.23	34.18	13.71	158.72	87.29	34.43	55.46	65.28	70.55	54.59
Total Debt/EBIT	57.61	53.97	42.78	15.23	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	52.61	52.07	40.99	14.48	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.84	12.19	12.63	13.03	13.73	15	15.04	13.38	14.43	14.35	15.04
Long-Term Debt/Equity (%)	183.32	209.99	142.25	124.94	105.93	94.07	18.55	24.95	34.4	44.89	46.8
Long-Term Debt/Capital (%)	64.6	67.69	65.71	62.12	58.29	51.84	25.75	30.62	37.07	42.04	40.81
Long-Term Debt/Total Assets (%)	23.43	25.55	24.21	21.36	19.19	16.14	5.22	5.91	8.5	10.41	10.37
Total Debt/Equity (%)	183.32	209.99	142.25	124.94	105.93	94.07	18.55	24.95	34.4	44.89	46.8
Total Debt/Capital (%)	64.6	67.69	65.71	62.12	58.29	51.84	25.75	30.62	37.07	42.04	40.81
Total Debt/Total Assets (%)	23.43	25.55	24.21	21.36	19.19	16.14	5.22	5.91	8.5	10.41	10.37
Net Debt to Equity	167.41	202.62	136.29	118.76	100.98	88.55	16.33	18.55	30.09	41.8	43.72
Net Debt/Capital (%)	62.5	66.91	64.74	60.92	57.12	50.33	23.39	24.7	34	40.32	39.18
EBITDA	1	1	1	3	- -	1	- -	- -	- -	1	1
EBITDA-CapEx	1	1	1	3	- -	- -	-1	-1	-3	-3	1
Operating Income (Loss)	1	1	1	3	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.84	12.19	12.63	13.03	13.73	15	15.04	13.38	14.43	14.35	15.04
Long-Term Debt/Equity (%)	183.32	209.99	142.25	124.94	105.93	94.07	18.55	24.95	34.4	44.89	46.8
Long-Term Debt/Capital (%)	64.6	67.69	65.71	62.12	58.29	51.84	25.75	30.62	37.07	42.04	40.81
Long-Term Debt/Total Assets (%)	23.43	25.55	24.21	21.36	19.19	16.14	5.22	5.91	8.5	10.41	10.37
Total Debt/Equity (%)	183.32	209.99	142.25	124.94	105.93	94.07	18.55	24.95	34.4	44.89	46.8
Total Debt/Capital (%)	64.6	67.69	65.71	62.12	58.29	51.84	25.75	30.62	37.07	42.04	40.81
Total Debt/Total Assets (%)	23.43	25.55	24.21	21.36	19.19	16.14	5.22	5.91	8.5	10.41	10.37
CFO/Total Liabilities	0.5	0.88	0.79	1.82	1.66	1.25	2.05	1.79	1.89	1.9	1.75
CFO/CapEx	9.68	3.06	42.52	5.02	4.83	8.01	4	3.31	1.61	1.64	27.41
Altman's Z-Score	0.22	0.22	0.32	0.35	0.34	0.36	0.45	0.38	0.39	0.35	0.38

Working Capital (USD)

API Chat

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	5.88	7.02	8.31	8.43	12.4	14.74	17.4	13.95	12.53	12.3
Days Sales Outstanding	- -	62.06	52.02	43.93	43.29	29.43	24.76	20.98	26.17	29.13	29.67
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	25	26	32	52	84	80	75	62	73
- Cash & Cash Equivalents	4	2	2	2	2	3	2	6	4	3	3
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	48	56	52	48	43	54	18	25	35	45	45
Enterprise Value	44	54	75	71	73	83	79	69	77	81	108
Total Capital	74	82	79	77	73	103	72	82	94	107	110
Total Debt/Capital (%)	64.6	67.69	65.71	62.12	58.29	51.84	25.75	30.62	37.07	42.04	40.81
Total Debt / EV	1.09	1.04	0.69	0.67	0.59	0.64	0.23	0.36	0.46	0.55	0.42
EV/Sales	8.9	7.75	9.66	7.84	7.82	6.52	6.05	4.07	4.55	4.99	6.07
EV/EBITDA	41.75	36.23	51.33	21.44	283.75	144.23	167.38	204.75	163.74	136.68	140.15
EV/EBIT	52.61	52.07	61.57	22.65	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	49.01	31.82	53.27	21.03	24	24.16	15.15	11.89	13.1	12.88	18.23
EV/Free Cash Flow to Firm	44.42	23.97	52.05	17.54	19.88	21.48	12.12	9.13	8.09	8.01	17.58
Diluted Market Cap	- -	- -	25	26	32	52	86	81	77	63	74
Diluted Enterprise Value	44	54	75	71	73	102	102	99	108	105	116
EV per Share	6.12	7.51	10.89	10.34	10.58	12.45	11.55	9.88	11.1	12.46	18.44
TTM Sales	5	7	8	9	9	13	13	17	17	16	18
TTM EBITDA	1	1	1	3	- -	1	- -	- -	- -	1	1
TTM Operating Income	1	1	1	3	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	2	1	3	3	3	5	6	6	6	6
TTM Free Cash Flow to Firm	1	2	1	4	4	4	7	8	9	10	6

Multiples (USD)

API Chat

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	17.39	6.33	8.82	13.36	13.1	10.72	8.15	6.18	12.06
EV/EBIT	52.61	52.07	61.57	22.65	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	44	54	75	71	73	83	79	69	77	81	108
Low Price	- -	- -	3.52	3.34	3.63	6.34	7.74	10.4	10.22	8.5	9.35
EV/Sales	8.9	7.75	9.66	7.84	7.82	6.52	6.05	4.07	4.55	4.99	6.07
EV/EBITDA	41.75	36.23	51.33	21.44	283.75	144.23	167.38	204.75	163.74	136.68	140.15
Price/Earnings	- -	- -	42.99	12.51	16.16	14.59	48.11	19.08	18.86	17.79	18.08
Price/Earnings Average	- -	- -	42.69	11.82	15.17	17.55	44.16	18.93	19	18.63	15.62
Price/Earnings High	- -	- -	43.7	12.57	16.78	19.9	60.69	20.92	23.2	21.54	18.08
Price/Earnings Low	- -	- -	41.57	11.2	12.59	11.95	30.32	17.27	17.89	15.8	13.53
Price/Book Value	- -	- -	0.92	0.88	1.05	1.04	1.58	1.41	1.25	1.01	1.12
Price/Book Value Average	- -	- -	0.91	0.83	0.99	1.25	1.45	1.4	1.26	1.05	0.97
Price/Book Value High	- -	- -	0.94	0.88	1.09	1.42	1.99	1.55	1.54	1.22	1.12
Price/Book Value Low	- -	- -	0.89	0.79	0.82	0.85	0.99	1.28	1.19	0.89	0.84
Price/Tangible Book Value	- -	- -	0.68	0.67	0.8	0.91	0.84	0.8	0.73	0.62	0.76
Price/Tangible Book Value Average	- -	- -	0.68	0.63	0.75	1.09	0.77	0.79	0.74	0.65	0.66
Price/Tangible Book Value High	- -	- -	0.7	0.67	0.83	1.24	1.06	0.87	0.9	0.75	0.76
Price/Tangible Book Value Low	- -	- -	0.66	0.6	0.62	0.75	0.53	0.72	0.7	0.55	0.57
Price/Sales	- -	- -	3.23	2.83	3.44	4.06	6.43	4.74	4.41	3.83	4.12
Price/Sales Average	- -	- -	3.21	2.67	3.23	4.88	5.9	4.7	4.45	4.01	3.56
Price/Sales High	- -	- -	3.28	2.84	3.58	5.53	8.11	5.19	5.43	4.64	4.12
Price/Sales Low	- -	- -	3.12	2.53	2.68	3.32	4.05	4.29	4.19	3.4	3.08
Price/Cash Flow	- -	- -	17.8	7.59	10.57	15.02	16.11	13.84	12.72	9.9	12.35
Price/Cash Flow Average	- -	- -	17.68	7.17	9.93	18.07	14.79	13.73	12.81	10.36	10.67
Price/Cash Flow High	- -	- -	18.1	7.63	10.98	20.49	20.32	15.17	15.65	11.98	12.35
Price/Cash Flow Low	- -	- -	17.22	6.8	8.24	12.3	10.15	12.52	12.07	8.79	9.24
Price/Free Cash Flow Average	- -	- -	17.27	5.98	8.28	16.08	12.02	10.63	8.21	6.48	10.42
Price/Free Cash Flow High	- -	- -	17.68	6.36	9.16	18.23	16.52	11.75	10.02	7.49	12.06
Price/Free Cash Flow Low	- -	- -	16.82	5.67	6.87	10.94	8.26	9.7	7.73	5.49	9.02
EV/Sales Average	8.9	7.75	9.64	7.68	7.61	8.83	7.15	5.8	6.26	6.59	5.92
EV/Sales High	8.9	7.75	9.71	7.85	7.95	9.48	9.36	6.3	7.24	7.22	6.48
EV/Sales Low	8.9	7.75	9.56	7.54	7.05	7.27	5.3	5.39	6	5.98	5.44
EV/EBITDA Average	41.75	36.23	51.21	21.02	276.12	195.16	197.82	291.83	225.42	180.55	136.66
EV/EBITDA High	41.75	36.23	51.62	21.49	288.58	209.6	258.97	316.7	260.8	197.74	149.59
EV/EBITDA Low	41.75	36.23	50.77	20.64	256.12	160.72	146.63	271.09	216.08	163.83	125.65
EV/EBIT Average	52.61	52.07	61.42	22.2	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	52.61	52.07	61.91	22.7	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	52.61	52.07	60.89	21.8	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	3.64	3.73	4.66	7.74	12.28	11.49	10.77	9.57	12.5
High Price	- -	- -	3.7	3.75	4.84	10.56	15.49	12.6	13.25	11.59	12.5
Enterprise Value Average	44	54	75	70	71	113	94	98	106	107	105
Enterprise Value High	44	54	75	71	74	121	122	106	122	117	115
Enterprise Value Low	44	54	74	68	66	93	69	91	101	97	97

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	7	7	7	7	7	7	7	7	7	7	6
Diluted Weighted Avg Shares	7	7	7	7	7	7	7	7	7	7	6
Basic Weighted Avg Shares	7	7	7	7	7	7	7	7	7	7	6
Revenue per Share	0.69	0.97	1.13	1.32	1.35	1.91	1.91	2.43	2.44	2.5	3.04
EBITDA per Share	0.15	0.21	0.21	0.48	0.04	0.09	0.07	0.05	0.07	0.09	0.13
Operating Income per Share	0.12	0.14	0.18	0.46	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.08	0.04	0.08	0.3	0.29	0.53	0.26	0.6	0.57	0.54	0.69
Basic EPS from Cont Ops	0.08	0.04	0.08	0.3	0.29	0.53	0.26	0.6	0.57	0.54	0.69
Diluted EPS, GAAP	0.08	0.04	0.08	0.3	0.29	0.53	0.25	0.6	0.55	0.54	0.68
Diluted EPS from Cont Ops	0.08	0.04	0.08	0.3	0.29	0.53	0.25	0.6	0.55	0.54	0.68
Dividend per Share	- -	- -	- -	- -	0.08	0.12	0.12	0.13	0.13	0.13	0.14
Cash Flow per Share	0.12	0.24	0.2	0.49	0.44	0.52	0.76	0.83	0.85	0.97	1.01
Free Cash Flow per Basic Share	0.11	0.16	0.2	0.39	0.35	0.45	0.57	0.58	0.32	0.38	0.97
Cash & Equivalents per Share	0.58	0.27	0.32	0.34	0.29	3.29	3.43	5.21	4.73	4.02	1.75
Book Value per Share	3.67	3.71	3.95	4.24	4.44	7.44	7.78	8.15	8.59	9.52	11.15
Tangible 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

Cullman Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)