Cullman Bancorp (CULL) Stock Price, News & Analysis

Company Overview

Cullman Bancorp, Inc. (NASDAQ: CULL) is the bank holding company for The Bank of Cullman, a community-oriented financial institution headquartered in Cullman, Alabama. Established in the early 20th century, the company has grown from a single branch into a multi-branch network serving north and central Alabama. Its geographic footprint encompasses urban and rural markets, with full-service branches in Cullman, Hartselle, Arab, and surrounding communities, reflecting its commitment to local economic development.

The primary business activities of Cullman Bancorp center on retail and commercial banking services. On the retail side, the company offers a range of deposit products, including checking and savings accounts, money market accounts, and certificates of deposit. It also provides consumer lending solutions such as residential real estate mortgages, home equity lines of credit, automobile loans, and personal installment loans. For small- and medium-sized businesses, Cullman Bancorp delivers commercial lending services covering commercial real estate, equipment financing, lines of credit, and construction loans, alongside treasury management and merchant services designed to streamline operations and optimize cash flow.

Beyond traditional banking, Cullman Bancorp extends wealth management and trust services through its subsidiary, Bank of Cullman Trust Services. These offerings include investment advisory, retirement planning, estate settlement, and fiduciary services tailored to individual and institutional clients. The company’s insurance division provides property and casualty products, life and disability coverage, and employee benefits planning, underscoring a diversified approach to meeting both personal and corporate financial needs.

Leadership at Cullman Bancorp emphasizes community engagement and prudent risk management. James C. Hollingsworth serves as President and Chief Executive Officer, guiding the company’s strategic initiatives and fostering relationships with local businesses and civic organizations. The board of directors comprises regional business and civic leaders who champion the bank’s mission of delivering personalized service and supporting economic growth across its Alabama markets. With a legacy spanning more than a century, Cullman Bancorp remains focused on balancing community values with the innovative delivery of financial products and services.

Key Stats

• Today's Range: $10.70 to $10.74
• 50-Day Range: $10.21 to $10.74
• 52-Week Range: $8.50 to $10.75
• Volume: 25,100 shs
• Average Volume: 9,845 shs
• Market Capitalization: $65.64 million
• P/E Ratio: 21.40
• Dividend Yield: 1.12%
• Price Target: N/A
• Consensus Rating: N/A

Cullman Bancorp Stock Analysis - MarketRank™

Cullman Bancorp scored higher than 14% of companies evaluated by MarketBeat, and ranked 889th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Cullman Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Cullman Bancorp is 21.40, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.28.

Price to Earnings Ratio vs. Sector

The P/E ratio of Cullman Bancorp is 21.40, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Cullman Bancorp has a P/B Ratio of 0.76. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.54% of the float of Cullman Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Cullman Bancorp has a short interest ratio ("days to cover") of 13.2, which indicates bearish sentiment.

Change versus previous month

Short interest in Cullman Bancorp has recently decreased by 0.33%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Cullman Bancorp pays a meaningful dividend of 1.12%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Cullman Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Cullman Bancorp is 24.00%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.54% of the float of Cullman Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Cullman Bancorp has a short interest ratio ("days to cover") of 13.2, which indicates bearish sentiment.

Change versus previous month

Short interest in Cullman Bancorp has recently decreased by 0.33%, indicating that investor sentiment is improving.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

2 people have searched for CULL on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Cullman Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

16.80% of the stock of Cullman Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 25.72% of the stock of Cullman Bancorp is held by institutions.

CULL Stock Analysis - Frequently Asked Questions

How have CULL shares performed this year?

Cullman Bancorp's stock was trading at $9.57 at the beginning of the year. Since then, CULL shares have increased by 11.8% and is now trading at $10.70.

When did Cullman Bancorp IPO?

Cullman Bancorp (CULL) raised $43 million in an IPO on Thursday, July 15th 2021. The company issued 4,284,375 shares at a price of $10.00 per share.

How do I buy shares of Cullman Bancorp?

Shares of CULL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Cullman Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Cullman Bancorp investors own include Meta Platforms (META), Big 5 Sporting Goods (BGFV), Hanover Bancorp (HNVR), Ambev (ABEV), Gramercy Property Trust (GPT), Altria Group (MO) and Chipotle Mexican Grill (CMG).

Company Calendar

• Today: 7/14/2025
• Next Earnings (Estimated): 7/31/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Savings institutions, except federal
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CULL
• CIK: 1845799
• Web: www.cullmansavingsbank.com
• Phone: (256) 734-1740
• Fax: N/A
• Employees: 50
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 21.40
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $16.54 million
• Price / Sales: 3.97
• Cash Flow: $0.64 per share
• Price / Cash Flow: 16.74
• Book Value: $14.02 per share
• Price / Book: 0.76

Miscellaneous

• Outstanding Shares: 6,135,000
• Free Float: 5,597,000
• Market Cap: $65.64 million
• Optionable: Not Optionable
• Beta: 0.06