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Upturn AI SWOT - About
Cullman Bancorp Inc. (CULL)
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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
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
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 Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| 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 - |
Upturn AI SWOT
Cullman Bancorp Inc.
Company Overview
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.
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 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
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
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
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.
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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