Cullman Bancorp (CULL) Stock Price, News & Analysis

Company Overview

Cullman Bancorp, Inc., headquartered in Cullman, Alabama, is the bank holding company for Cullman Savings Bank, a community bank serving the financial needs of individuals, families and businesses in northern Alabama. The company’s operations focus on traditional banking services delivered through a network of full-service branch offices and ATM locations in Cullman County and neighboring communities.

Cullman Savings Bank’s product offerings include personal and business deposit accounts such as checking, savings, money market and certificates of deposit, along with a variety of loan products. Lending solutions encompass commercial real estate, agricultural and small-business financing, as well as residential mortgage and home equity loans. The bank also provides treasury management, merchant services and cash-management tools designed to support the operational needs of local companies.

To enhance customer convenience, Cullman Bancorp has invested in digital banking platforms, including online and mobile banking, remote deposit capture and an extensive ATM network. This technology suite is complemented by relationship-driven service, as the bank emphasizes local decision-making and personalized financial advice. By combining community banking values with modern delivery channels, Cullman Bancorp aims to foster long-term client relationships and contribute to the economic development of its service area.

Key Stats

• Today's Range: $10.93 to $11.00
• 50-Day Range: $10.50 to $11.00
• 52-Week Range: $9.25 to $11.00
• Volume: 2,155 shs
• Average Volume: 9,767 shs
• Market Capitalization: $66.10 million
• P/E Ratio: 22.00
• Dividend Yield: 1.09%
• Price Target: N/A
• Consensus Rating: N/A

Cullman Bancorp Stock Analysis - MarketRank™

Cullman Bancorp scored higher than 24% of companies evaluated by MarketBeat, and ranked 839th out of 918 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: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Cullman Bancorp is 22.00, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.13.

Price to Earnings Ratio vs. Sector

The P/E ratio of Cullman Bancorp is 22.00, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.53.

Price to Book Value per Share Ratio

Cullman Bancorp has a P/B Ratio of 0.78. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

0.50% of the outstanding shares of Cullman Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Cullman Bancorp has a short interest ratio ("days to cover") of 21.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Cullman Bancorp has recently increased by 0.34%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Cullman Bancorp pays a meaningful dividend of 1.10%, 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

0.50% of the outstanding shares of Cullman Bancorp have been sold short.

Short Interest Ratio / Days to Cover

Cullman Bancorp has a short interest ratio ("days to cover") of 21.3, which indicates bearish sentiment.

Change versus previous month

Short interest in Cullman Bancorp has recently increased by 0.34%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: N/A

News Sentiment

Cullman Bancorp has a news sentiment score of 1.16. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.97 average news sentiment score of Finance companies.

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 start of the year. Since then, CULL shares have increased by 14.9% and is now trading at $11.00.

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: 9/07/2025
• Next Earnings (Estimated): 10/23/2025
• 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: 22.00
• 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: 4.00
• Cash Flow: $0.66 per share
• Price / Cash Flow: 16.74
• Book Value: $14.02 per share
• Price / Book: 0.78

Miscellaneous

• Outstanding Shares: 6,009,000
• Free Float: 5,597,000
• Market Cap: $66.10 million
• Optionable: Not Optionable
• Beta: 0.07