CA
NZ
UK
AU
IND
US
…
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.
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Cullman Bancorp, Inc. is the holding company for The Bank of Cullman, a community bank offering commercial, consumer and mortgage lending and deposit services in north-central Alabama. Long-term growth may be driven by local loan expansion, stable customer deposits and potential support from improved net interest margins, which could make the franchise appealing to investors seeking regional banking exposure.
Key risks are regional economic concentration and loan credit deterioration, interest-rate and margin volatility, competitive pressure and regulatory compliance costs.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 5.12M | 4.38M | 5.05M | 5.28M | 2.09M |
| Net income | 4.04M | 3.42M | 3.95M | 4.18M | 1.75M |
| Selling general administrative | 8.94M | 8.56M | 7.95M | 8.73M | 7.39M |
| Selling and marketing expenses | - | - | 0.12M | 0.18M | 0.17M |
| Gross profit | 17.70M | - | 16.60M | 16.85M | 13.09M |
| Reconciled depreciation | 0.77M | 0.59M | 0.38M | 0.34M | 0.47M |
| Ebit | - | - | 5.05M | 6.65M | 2.09M |
| Ebitda | 5.12M | 4.38M | 5.52M | 6.98M | 2.57M |
| Depreciation and amortization | - | - | 0.47M | 0.34M | 0.47M |
| Operating income | 5.12M | 4.38M | 5.05M | 6.65M | 2.09M |
| Other operating expenses | 19.65M | - | 16.12M | -10.20M | -11.00M |
| Interest expense | 7.02M | 6.95M | 4.28M | 1.36M | 1.79M |
| Tax provision | 1.08M | 0.87M | 1.06M | 1.10M | 0.34M |
| Interest income | 23.08M | 21.54M | 19.04M | 16.53M | 13.37M |
| Net interest income | 16.06M | 14.59M | 15.44M | 15.16M | 11.58M |
| Income tax expense | 1.08M | 0.87M | 1.10M | 1.10M | 0.34M |
| Total revenue | 24.77M | 23.23M | 21.17M | 16.85M | 13.09M |
| Total operating expenses | 12.57M | - | 11.55M | -10.20M | -11.00M |
| Cost of revenue | 7.08M | - | 4.57M | - | - |
| Total other income expense net | - | - | 0.13M | -1.36M | -1.79M |
| Net income from continuing ops | 4.04M | 3.51M | 4.06M | 4.18M | 1.75M |
| Net income applicable to common shares | - | - | - | 4.18M | 1.75M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 434.61M | 433.01M | 411.64M | 423.23M | 354.71M |
| Other current assets | - | 20.58M | - | 1.16M | 0.78M |
| Total liab | 338.46M | 332.76M | 309.91M | 323.05M | 254.97M |
| Total stockholder equity | 96.15M | 100.25M | 101.73M | 100.18M | 99.73M |
| Other current liab | - | 104.09M | -0.24M | -0.15M | -0.06M |
| Common stock | 0.06M | 0.07M | 0.07M | 0.07M | 0.07M |
| Capital stock | 0.06M | 0.07M | 0.07M | 0.07M | 0.07M |
| Retained earnings | 65.21M | 61.98M | 59.34M | 56.56M | 53.27M |
| Other liab | - | - | - | 4.83M | 4.39M |
| Other assets | - | 412.43M | 335.33M | 378.79M | 299.61M |
| Cash | 2.96M | 3.09M | 4.39M | 6.42M | 2.21M |
| Total current liabilities | - | 109.09M | 0.24M | 0.15M | 0.06M |
| Net debt | 42.04M | 45.00M | 30.61M | 18.58M | 16.29M |
| Short term debt | - | 5.00M | - | - | - |
| Short long term debt total | 45.00M | 45.00M | 35.00M | 25.00M | 18.50M |
| Other stockholder equity | 35.32M | 43.83M | 45.23M | 47.10M | 46.12M |
| Property plant equipment | - | - | - | 10.90M | 9.48M |
| Total current assets | 18.61M | 20.58M | 34.00M | 31.39M | 24.30M |
| Long term investments | 21.85M | 23.10M | 28.36M | 359.74M | 21.31M |
| Net tangible assets | - | - | - | 100.18M | 99.73M |
| Short term investments | 14.10M | 23.10M | 28.36M | 29.80M | 21.31M |
| Net receivables | 1.55M | 1.34M | 1.26M | 1.16M | 0.78M |
| Long term debt | 45.00M | 45.00M | 35.00M | 25.00M | 18.50M |
| Inventory | - | - | - | 0.05M | 0.40M |
| Accounts payable | 0.45M | 0.39M | 0.24M | 0.15M | 0.06M |
| Accumulated other comprehensive income | -4.44M | -5.62M | -2.91M | -3.56M | 0.28M |
| Common stock total equity | - | - | - | 0.07M | - |
| Retained earnings total equity | - | - | - | 56.56M | - |
| Non currrent assets other | 10.70M | -20.18M | -42.31M | -30.27M | -30.80M |
| Non current assets total | 416.00M | - | 42.31M | 13.04M | 30.80M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 2.52M | 5.21M | -17.23M | -97.56M | -2.85M |
| Change to liabilities | - | - | - | 0.10M | 0.00M |
| Total cashflows from investing activities | -2.98M | -15.03M | -11.89M | -97.56M | -22.67M |
| Net borrowings | -0.01M | 10.00M | 10.13M | 25.00M | -34.95M |
| Total cash from financing activities | -5.12M | 14.93M | -17.58M | 66.50M | 19.14M |
| Change to operating activities | - | - | - | 0.29M | 0.81M |
| Net income | 3.96M | 3.42M | 3.95M | 4.18M | 1.75M |
| Change in cash | -2.18M | 6.21M | -23.61M | -25.29M | 1.58M |
| Begin period cash flow | 19.24M | 13.04M | 36.65M | 61.94M | 60.36M |
| End period cash flow | 17.06M | 19.24M | 13.04M | 36.65M | 61.94M |
| Total cash from operating activities | 5.92M | 6.30M | 5.86M | 5.77M | 5.11M |
| Issuance of capital stock | - | - | - | 0.00M | 37.51M |
| Depreciation | 0.77M | 0.59M | 0.47M | 0.34M | 0.47M |
| Other cashflows from investing activities | -5.49M | -16.40M | -8.26M | -95.82M | 1.87M |
| Dividends paid | 0.81M | 0.88M | 0.89M | -0.89M | -0.86M |
| Change to account receivables | -0.21M | -0.08M | -0.10M | -0.39M | 0.23M |
| Sale purchase of stock | -9.41M | -5.31M | -2.87M | -0.13M | 15.04M |
| Other cashflows from financing activities | 5.11M | 11.11M | -23.95M | 85.93M | 2.39M |
| Change to netincome | - | - | - | 4.58M | 1.85M |
| Capital expenditures | 0.22M | 3.84M | 3.63M | 1.74M | 1.30M |
| Change receivables | - | - | - | -0.39M | - |
| Cash flows other operating | - | - | - | -3.04M | - |
| Cash and cash equivalents changes | - | - | - | -25.29M | - |
| Change in working capital | 0.17M | 1.45M | 0.67M | -0.10M | 1.03M |
| Stock based compensation | 1.14M | 1.25M | 0.99M | 1.12M | 0.80M |
| Other non cash items | 1.78M | 1.44M | -0.11M | 0.09M | 1.39M |
| Free cash flow | 5.71M | 2.47M | 2.23M | 4.03M | 3.80M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CULL Cullman Bancorp Inc. |
- -% |
17.25 | 21.27 | - | 4.79 | 0.87 | 7.25 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.84 0.36% |
230.18 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.59 1.78% |
33.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.52 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
316 Second Avenue S.W., Cullman, AL, United States, 35055
256 734 1740
| Name | Title | Year Born |
|---|---|---|
| Mr. John A. Riley III | Chairman, Pres & CEO | 1965 |
| Ms. Robin S. Parson | Exec. VP, COO & Director | 1967 |
| Ms. T'aira Ugarkovich | Exec. VP | 1985 |
| Ms. Katrina I. Stephens | CFO & Sr. VP | 1984 |
| Ms. Robin O'Berry | Sr. VP, Sec., Sr. VP of Cullman Savings Bank and Sec. of Cullman Savings Bank | 1967 |
| Mr. John A. Riley III | Chairman, President & CEO | 1965 |
| Ms. T'aira Ugarkovich | Executive VP & COO | 1985 |
| Ms. Robin S. Parson | Executive VP & Director | 1967 |
| Ms. Katrina I. Stephens | CFO & Senior VP | 1984 |
| Ms. Robin O'Berry | Senior VP & Secretary | 1967 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
Download a free report with stock ideas and industry insights for general information.
Download Free Report Now →
Basic Materials
-0.50%
Communication Services
+0.06%
Consumer Cyclical
+0.89%
Consumer Defensive
-0.16%
Energy
-0.11%
Financial Services
+0.50%
Financials
+0.42%
Healthcare
+0.43%
Industrials
+0.60%
Real Estate
+0.40%
Technology
-0.56%
Utilities
+0.37%
Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
Portfolio
Watchlist
Please wait processing your request...