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CULL
Upturn stock ratingUpturn stock rating

Cullman Bancorp Inc. (CULL)

Upturn stock ratingUpturn stock rating
$10.5
Last Close (24-hour delay)
Profit since last BUY5.21%
upturn advisory
Consider higher Upturn Star rating
BUY since 82 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/27/2025: CULL (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $0

1 Year Target Price $0

Analysts Price Target For last 52 week
$0Target price
Low$
Current$10.5
high$

Analysis of Past Performance

Type Stock
Historic Profit 2.43%
Avg. Invested days 44
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

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 -

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Cullman Bancorp Inc.

stock logo

Company Overview

overview logo History and Background

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank. Founded in 1887, the bank initially focused on serving the local community in Cullman, Alabama. It has evolved into a full-service financial institution offering a range of banking products and services while maintaining its community-focused approach.

business area logo Core Business Areas

  • Community Banking: Provides traditional banking services to individuals and small businesses, including deposit accounts, loans, and other financial products. Focused on building relationships and supporting local economic growth.
  • Mortgage Lending: Offers mortgage loan products to individuals for the purchase or refinance of residential properties. Services provided in the Alabama Market.
  • Commercial Lending: Provides loans and other financial services to commercial clients. Services provided in the Alabama Market.

leadership logo Leadership and Structure

Cullman Bancorp Inc. is led by a board of directors and executive management team. The organizational structure includes various departments responsible for different areas of the bank's operations, such as lending, finance, and customer service.

Top Products and Market Share

overview logo Key Offerings

  • Residential Mortgages: Mortgage lending for purchases and refinances. Market share data is difficult to obtain precisely for Cullman's specific market area. Competitors include national banks like Wells Fargo, Bank of America, and regional players like Regions Bank. Estimated revenue is difficult to obtain.
  • Small Business Loans: Loans to small businesses for various purposes. Market share data is difficult to obtain precisely for Cullman's specific market area. Competitors include national banks like Wells Fargo, Bank of America, and regional players like Regions Bank. Estimated revenue is difficult to obtain.
  • Deposit Accounts: Checking, savings, and other deposit accounts for individuals and businesses. Market share data is difficult to obtain precisely for Cullman's specific market area. Competitors include national banks like Wells Fargo, Bank of America, and regional players like Regions Bank. Estimated revenue is difficult to obtain.

Market Dynamics

industry overview logo Industry Overview

The banking industry is subject to regulatory oversight, interest rate fluctuations, and competition from both traditional banks and non-bank financial institutions. Technological advancements are also transforming the industry, with increased adoption of online and mobile banking services.

Positioning

Cullman Bancorp Inc. operates as a community bank, focusing on serving the needs of local customers and businesses. Its competitive advantage lies in its local presence, personalized service, and strong relationships with customers.

Total Addressable Market (TAM)

The TAM for community banking in Alabama is estimated to be several billion dollars. Cullman Bancorp Inc. holds a small, focused portion of this TAM.

Upturn SWOT Analysis

Strengths

  • Strong community relationships
  • Local market expertise
  • Personalized customer service
  • Sound financial position

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger banks
  • Reliance on traditional banking model
  • Limited resources for innovation

Opportunities

  • Expanding into new markets
  • Developing new products and services
  • Leveraging technology to improve efficiency
  • Acquiring smaller community banks

Threats

  • Increased competition from larger banks
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • Regions Financial Corporation (RF)
  • Wells Fargo & Company (WFC)
  • Bank of America Corporation (BAC)

Competitive Landscape

Cullman Bancorp Inc. faces competition from larger national and regional banks with greater resources and broader product offerings. Its advantage lies in its local focus and personalized service, allowing it to build stronger relationships with customers in its target market.

Growth Trajectory and Initiatives

Historical Growth: Historical growth is not easily available. It can be obtained via financial reporting or through contacting the corporation.

Future Projections: Future projections are not publicly available.

Recent Initiatives: Recent initiatives are not widely publicized as a private entity.

Summary

Cullman Bancorp Inc., as a community bank, is built on relationships and local market knowledge. Its smaller scale and limited geographic reach can be constraints. The company must adapt to technological advancements and the competitive pressure from larger banking institutions in order to ensure future success.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company website
  • Industry reports
  • SEC filings of competitors

Disclaimers:

The information provided is based on limited publicly available data and may not be entirely accurate. This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.