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
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	1.13	1.85	5.49	5.06	7.29	2.23	4.18	3.92	3.47	4.12
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 (%)	- -	1.13	1.85	5.49	3.7	5.58	1.14	3.3	3.04	2.61	3.29

Credit (USD)

Credit Ratios API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	12.78	12.17	17.02	17.1	18.12	17.16	28.12	23.67	24.71	23.19	22.16
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 (%)	64.7	67.74	58.72	55.54	51.44	48.47	15.65	19.97	25.6	30.98	31.88
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 (%)	64.7	67.74	58.72	55.54	51.44	48.47	15.65	19.97	25.6	30.98	31.88
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 (%)	62.6	66.96	57.68	54.29	50.24	46.96	14.04	15.64	23.13	29.48	30.42
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)

Liquidity Ratios API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.78	12.17	17.02	17.1	18.12	17.16	28.12	23.67	24.71	23.19	22.16
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 (%)	64.7	67.74	58.72	55.54	51.44	48.47	15.65	19.97	25.6	30.98	31.88
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 (%)	64.7	67.74	58.72	55.54	51.44	48.47	15.65	19.97	25.6	30.98	31.88
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	0.36	0.35	0.37	0.46	0.38	0.4	0.36	0.38

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	26	27	34	54	91	85	79	65	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	76	72	75	85	86	74	81	84	108
Total Capital	74	82	88	86	83	110	118	125	137	145	141
Total Debt/Capital (%)	64.7	67.74	58.72	55.54	51.44	48.47	15.65	19.97	25.6	30.98	31.88
Total Debt / EV	1.09	1.04	0.69	0.66	0.57	0.63	0.22	0.34	0.43	0.54	0.42
EV/Sales	8.9	7.75	9.79	7.94	8.01	6.69	6.56	4.38	4.79	5.14	6.09
EV/EBITDA	41.75	36.23	52.03	21.74	290.69	147.94	181.65	220.14	172.48	140.74	140.61
EV/EBIT	52.61	52.07	62.4	22.96	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	49.01	31.82	53.99	21.32	24.58	24.78	16.44	12.79	13.8	13.26	18.29
EV/Free Cash Flow to Firm	44.42	23.97	52.75	17.77	20.37	22.03	13.16	9.82	8.52	8.24	17.64
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	10.61	10.1	10.26	12.26	11.6	9.97	11.08	12.35	18.41
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)

Valuation Multiples API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	62.4	22.96	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	44	54	76	72	75	85	86	74	81	84	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	9.79	7.94	8.01	6.69	6.56	4.38	4.79	5.14	6.09
EV/EBITDA	41.75	36.23	52.03	21.74	290.69	147.94	181.65	220.14	172.48	140.74	140.61
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	- -	- -	0.71	0.7	0.84	0.95	0.91	0.85	0.77	0.65	0.76
Price/Book Value Average	- -	- -	0.71	0.66	0.79	1.14	0.84	0.84	0.78	0.68	0.66
Price/Book Value High	- -	- -	0.72	0.7	0.87	1.29	1.15	0.93	0.95	0.78	0.76
Price/Book Value Low	- -	- -	0.69	0.62	0.65	0.78	0.57	0.77	0.73	0.57	0.57
Price/Tangible Book Value	- -	- -	0.71	0.7	0.84	0.95	0.91	0.85	0.77	0.65	0.76
Price/Tangible Book Value Average	- -	- -	0.71	0.66	0.79	1.14	0.84	0.84	0.78	0.68	0.66
Price/Tangible Book Value High	- -	- -	0.72	0.7	0.87	1.29	1.15	0.93	0.95	0.78	0.76
Price/Tangible Book Value Low	- -	- -	0.69	0.62	0.65	0.78	0.57	0.77	0.73	0.57	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	9.77	7.78	7.79	9.03	7.62	6.11	6.5	6.74	5.94
EV/Sales High	8.9	7.75	9.85	7.96	8.15	9.71	10.01	6.63	7.54	7.4	6.5
EV/Sales Low	8.9	7.75	9.68	7.64	7.2	7.41	5.62	5.67	6.23	6.11	5.46
EV/EBITDA Average	41.75	36.23	51.9	21.29	282.63	199.62	210.91	307.11	234.23	184.81	137.06
EV/EBITDA High	41.75	36.23	52.32	21.78	295.79	214.66	276.96	333.59	271.55	202.66	150.04
EV/EBITDA Low	41.75	36.23	51.44	20.9	261.52	163.76	155.62	285.03	224.38	167.44	125.99
EV/EBIT Average	52.61	52.07	62.25	22.5	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	52.61	52.07	62.75	23.01	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	52.61	52.07	61.69	22.07	- -	- -	- -	- -	- -	- -	- -
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	76	71	73	115	100	103	110	110	106
Enterprise Value High	44	54	76	72	76	124	131	112	127	120	116
Enterprise Value Low	44	54	75	69	67	94	74	95	105	99	97

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	0.3	0.33	0.27	3.16	3.18	4.9	4.48	3.87	1.74
Book Value per Share	3.65	3.7	5.12	5.36	5.55	8.17	13.47	13.55	13.93	14.81	16.35
Tangible Book Value per Share	3.65	3.7	5.12	5.36	5.55	8.17	13.47	13.55	13.93	14.81	16.35

Cullman Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)