Financial Snapshot

Revenue
$14.90M
TTM
Gross Margin
Net Earnings
$3.641M
TTM
Current Assets
Current Liabilities
$381.0K
Q1 2024
Current Ratio
Total Assets
Q1 2024
Total Liabilities
Q1 2024
Book Value
$101.3M
Q1 2024
Cash
Q1 2024
P/E
19.47
Nov 29, 2024 EST
Free Cash Flow
$936.0K
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2011
Revenue $19.46M $16.53M $13.37M $14.17M
YoY Change 17.73% 23.63% -5.66%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2011
Revenue $19.46M $16.53M $13.37M $14.17M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2011
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $512.0K $468.0K $442.0K $419.0K $260.0K
YoY Change 9.4% 5.88% 5.49%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2011
Interest Expense $4.277M $1.365M $1.786M $2.867M
YoY Change 213.33% -23.57% -37.7%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2011
Pretax Income $5.050M $5.284M $2.094M $4.503M $3.080M
YoY Change -4.43% 152.34% -53.5%
Income Tax $1.097M $1.101M $344.0K $957.0K $1.090M
% Of Pretax Income 21.72% 20.84% 16.43% 21.25% 35.39%
Net Earnings $3.953M $4.183M $1.750M $3.546M $1.950M
YoY Change -5.5% 139.03% -50.65%
Net Earnings / Revenue 20.31% 25.31% 13.09% 25.02%
Basic Earnings Per Share $0.56 $0.59 $0.25 $0.52
Diluted Earnings Per Share $0.54 $0.59 $0.25 $0.52 $799.2K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2011
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $13.96M $10.85M $9.500M $10.90M
YoY Change 28.62% 14.22%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $2.440M $2.194M $1.300M
YoY Change 11.21% 68.77%
Total Long-Term Assets
YoY Change
Total Assets $411.6M $423.2M $354.7M $223.0M
YoY Change
Accounts Payable $239.0K $155.0K $100.0K $1.600M
YoY Change 54.19% 55.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $239.0K $155.0K $100.0K $1.600M
YoY Change 54.19% 55.0%
Long-Term Debt $0.00 $0.00 $0.00 $800.0K
YoY Change
Other Long-Term Liabilities $5.666M $4.943M $4.400M
YoY Change 14.63% 12.34%
Total Long-Term Liabilities $5.666M $4.943M $4.400M $800.0K
YoY Change 14.63% 12.34%
Total Liabilities $309.9M $323.0M $255.0M $182.6M
YoY Change -4.07% 26.69%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2011
Basic Shares Outstanding 6.921M 6.946M 6.856M 6.683M
Diluted Shares Outstanding 7.179M 7.006M 6.676M 6.687M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $70.879 Million

About Cullman Bancorp, Inc. /MD/

Cullman Bancorp, Inc. is a holding company, which engages in the provision of financial savings services through its subsidiary. The company is headquartered in Cullman, Alabama and currently employs 57 full-time employees. The company went IPO on 2009-10-09. Cullman Savings Bank is a federally chartered stock savings bank headquartered in Cullman, Alabama. The Company’s business consists primarily of taking deposits from the public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, commercial real estate loans and commercial and industrial loans and, to a lesser extent, construction loans, multi-family real estate loans and consumer loans. The company also invests in limited amounts of securities. The company offers a range of deposit accounts, including checking accounts, savings accounts, individual retirement accounts and certificate of deposit accounts. Its primary lending products are residential mortgage, commercial, and installment loans. Its commercial real estate loans are secured primarily by office buildings, retail and mixed-use properties and restaurants located in its primary market area.

Industry: Savings Institutions, Not Federally Chartered Peers: BROADWAY FINANCIAL CORP \DE\ FIDELITY FEDERAL BANCORP Finance of America Companies Inc. LAKE SHORE BANCORP, INC. Magyar Bancorp, Inc. Rocket Companies, Inc.