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Upturn AI SWOT - About
Cullman Bancorp Inc. (CULL)
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Upturn Advisory Summary
08/12/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.46% | Avg. Invested days 49 | 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 08/12/2025 |
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 originally chartered as Cullman Savings and Loan Association in 1887. It converted to a mutual holding company structure in 1993 and subsequently offered stock to the public. It operates primarily through its subsidiary bank, Cullman Savings Bank.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, loans, and mortgage products.
- Commercial Banking: Provides banking services to businesses, including commercial loans, lines of credit, and treasury management services.
- Wealth Management: The bank offers limited wealth management products and services for individual clients.
Leadership and Structure
Cullman Bancorp Inc. is led by a Board of Directors and executive management team. The organizational structure typically follows a hierarchical model common to community banks.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a significant portion of Cullman Savings Bank's portfolio. Market share data is difficult to ascertain precisely due to the fragmented nature of the mortgage market in Alabama, but they are a key player in their local community. Competitors include larger regional and national banks, as well as mortgage brokers.
- Commercial Loans: Loans to small and medium-sized businesses in the Cullman, Alabama area. Data on market share is difficult to acquire without specific data, however the competitors include other local and regional banks like Cadence Bank and Wells Fargo.
- Deposit Accounts: Various checking, savings, and CD accounts aimed at local retail and small business customers. Competition comes from numerous other banks and credit unions operating in the region.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities including rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. Regional banks are also seeing an increase in regulations.
Positioning
Cullman Bancorp is positioned as a community bank focused on serving the needs of customers in and around Cullman County, Alabama. Their competitive advantages include local knowledge and personalized service.
Total Addressable Market (TAM)
The TAM encompasses the total banking and financial services market in Cullman County and the surrounding areas. Cullman Bancorp is positioned to capture a share of this market by focusing on local relationships and community involvement.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Long-standing history in the community
- Personalized customer service
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
- Less developed technology and digital banking platform
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Growth in local economy
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the region
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- Cadence Bancorporation (CADE)
- Wells Fargo (WFC)
- Regions Financial Corporation (RF)
Competitive Landscape
Cullman Bancorp faces stiff competition from larger regional and national banks that have greater resources and broader service offerings. However, Cullman Bancorp's advantages in serving the local Cullman community is its strength.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information can be found in past annual reports and investor presentations.
Future Projections: Analyst estimates and projections are available through financial news sources and investment research platforms.
Recent Initiatives: Information on recent strategic initiatives can be found in press releases and investor presentations.
Summary
Cullman Bancorp is a community bank with a strong local presence but faces challenges due to its smaller size and the competitive banking landscape. Its personalized customer service and community focus are strengths. The bank needs to adapt to digital banking trends and explore opportunities for growth, while being aware of economic and regulatory threats. The bank needs to continue to work on how to gain market share.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and based on available data. Actual results may vary.
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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