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Upturn AI SWOT - About
Cullman Bancorp Inc. (CULL)
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Upturn Advisory Summary
10/28/2025: CULL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 13.36% | Avg. Invested days 58 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 71.09M USD | Price to earnings Ratio 21 | 1Y Target Price - |
Price to earnings Ratio 21 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.17 | 52 Weeks Range 8.40 - 10.65 | Updated Date 06/30/2025 |
52 Weeks Range 8.40 - 10.65 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 1.14% | Basic EPS (TTM) 0.5 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.6% | Operating Margin (TTM) 26.91% |
Management Effectiveness
Return on Assets (TTM) 0.86% | Return on Equity (TTM) 3.64% |
Valuation
Trailing PE 21 | Forward PE - | Enterprise Value 99300544 | Price to Sales(TTM) 4.2 |
Enterprise Value 99300544 | Price to Sales(TTM) 4.2 | ||
Enterprise Value to Revenue 7.02 | Enterprise Value to EBITDA - | Shares Outstanding 6770650 | Shares Floating 6037008 |
Shares Outstanding 6770650 | Shares Floating 6037008 | ||
Percent Insiders 29.75 | Percent Institutions - |
Upturn AI SWOT
Cullman Bancorp Inc.
Company Overview
History and Background
Cullman Bancorp, Inc. was established in 1887 as a mutual savings association and converted to a stock form of organization in 2005. It operates as the holding company for Cullman Savings Bank, focusing on providing banking services to the Cullman, Alabama area.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans (mortgage, commercial, consumer), and other banking services primarily to individuals and businesses within its local market.
Leadership and Structure
Cullman Bancorp Inc. has a board of directors overseeing its operations, with an executive team managing day-to-day activities at Cullman Savings Bank. The bank is community-focused with a regional presence.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers residential mortgage loans. Competitors include other local and regional banks, credit unions, and national mortgage lenders. Market share data not readily available.
- Commercial Loans: Provides loans to local businesses. Competitors include other local and regional banks, and credit unions. Market share data not readily available.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include other local and regional banks and credit unions. Market share data not readily available.
Market Dynamics
Industry Overview
The community banking sector faces challenges from larger national banks and increasing regulatory burdens. Competition for deposits and loans is high.
Positioning
Cullman Bancorp Inc. is positioned as a community bank focused on building relationships with local customers. Competitive advantages include local knowledge and personalized service.
Total Addressable Market (TAM)
TAM for banking in Cullman County, AL, is estimated at $1-2 billion annually. Cullman Bancorp holds a small percentage of this total.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Community focus
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking services
Opportunities
- Expand product offerings
- Increase online banking services
- Target underserved markets in the region
Threats
- Increased competition from larger banks
- Economic downturn in the region
- Regulatory changes
Competitors and Market Share
Key Competitors
- RBB Bancorp (RBB)
- Enterprise Financial Services Corp (EFSC)
- First Bancorp (FBNC)
Competitive Landscape
Cullman Bancorp Inc. competes primarily with other local and regional banks. Its advantages are community relationships; its disadvantages are scale limitations.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data not readily available.
Future Projections: Future projections not available without proprietary financial data.
Recent Initiatives: Recent initiatives data is not available in public news sources or databases
Summary
Cullman Bancorp Inc. is a community-focused bank with a strong local presence, but faces challenges from larger competitors and the evolving financial landscape. Its strengths lie in customer relationships and community focus, while weaknesses include limited geographic reach and scale. To grow, it could expand its product offerings and enhance its online services. It needs to closely watch any financial regulation changes.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports (unavailable)
- Analyst Reports (unavailable)
Disclaimers:
The information provided is based on limited publicly available data and should not be considered investment advice. Market share data are estimates. Financial performance data is unavailable and thus not analyzed. The AI rating is based on this limited information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cullman Bancorp Inc.
Exchange NASDAQ | Headquaters Cullman, AL, United States | ||
IPO Launch date 2013-04-19 | Chairman, President & CEO Mr. John A. Riley III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | |
Full time employees - | |||
Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various financial products and services in the United States. It offers personal and business checking accounts; personal savings accounts comprising kids club, Christmas club, certificates of deposits, and individual retirement accounts; business savings accounts; debit and credit cards; online banking, automated clearinghouse, merchant, and remote deposit capture services; mobile banking and deposit; eStatements; overdraft protection; safe deposit boxes; wire transfers; and cashier's checks. The company also provides personal loans, including mortgage, home equity, land, construction, and personal and auto loans, as well as business loans, such as commercial real estate, term loans, lines of credit, and agricultural loans. Cullman Bancorp, Inc. was founded in 1887 and is based in Cullman, Alabama.
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