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CULLMAN BANCORP INC/MD (CULL) Stock Fundamental Analysis

NASDAQ:CULL - Nasdaq - US2301531081 - Common Stock - Currency: USD

9.71  -0.29 (-2.9%)

After market: 9.1 -0.61 (-6.28%)

Fundamental Rating

2

CULL gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. CULL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CULL has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

CULL had positive earnings in the past year.
In the past year CULL had a positive cash flow from operations.
CULL Yearly Net Income VS EBIT VS OCF VS FCFCULL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 1M 2M 3M 4M 5M

1.2 Ratios

The Return On Assets of CULL (0.86%) is comparable to the rest of the industry.
The Return On Equity of CULL (3.57%) is worse than 85.26% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 3.57%
ROIC N/A
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)3.25%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CULL Yearly ROA, ROE, ROICCULL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 1 2 3 4

1.3 Margins

The Profit Margin of CULL (21.88%) is comparable to the rest of the industry.
CULL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.88%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CULL Yearly Profit, Operating, Gross MarginsCULL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 5 10 15 20

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2. Health

2.1 Basic Checks

CULL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CULL has been reduced compared to 1 year ago.
CULL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CULL Yearly Shares OutstandingCULL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2M 4M 6M
CULL Yearly Total Debt VS Total AssetsCULL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 100M 200M 300M 400M

2.2 Solvency

There is no outstanding debt for CULL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.54%
CULL Yearly LT Debt VS Equity VS FCFCULL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CULL Yearly Current Assets VS Current LiabilitesCULL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 50K 100K 150K 200K

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0

3. Growth

3.1 Past

The earnings per share for CULL have decreased strongly by -17.12% in the last year.
The Revenue has decreased by -4.70% in the past year.
EPS 1Y (TTM)-17.12%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-28.15%
Revenue 1Y (TTM)-4.7%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-8.22%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CULL Yearly Revenue VS EstimatesCULL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 5M 10M 15M

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 19.04, which indicates a rather expensive current valuation of CULL.
Compared to the rest of the industry, the Price/Earnings ratio of CULL indicates a slightly more expensive valuation: CULL is more expensive than 77.89% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 24.95. CULL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.04
Fwd PE N/A
CULL Price Earnings VS Forward Price EarningsCULL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CULL is valued more expensive than 85.01% of the companies in the same industry.
Industry RankSector Rank
P/FCF 75.61
EV/EBITDA N/A
CULL Per share dataCULL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

CULL has a Yearly Dividend Yield of 1.33%.
With a Dividend Yield of 1.33, CULL pays less dividend than the industry average, which is at 3.42. 80.59% of the companies listed in the same industry pay a better dividend than CULL!
Compared to an average S&P500 Dividend Yield of 2.41, CULL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.33%

5.2 History

CULL has been paying a dividend for at least 10 years, so it has a reliable track record.
CULL has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years2
CULL Yearly Dividends per shareCULL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4

5.3 Sustainability

CULL pays out 24.10% of its income as dividend. This is a sustainable payout ratio.
DP24.1%
EPS Next 2YN/A
EPS Next 3YN/A
CULL Yearly Income VS Free CF VS DividendCULL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 1M 2M 3M 4M
CULL Dividend Payout.CULL Dividend Payout, showing the Payout Ratio.CULL Dividend Payout.PayoutRetained Earnings

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CULLMAN BANCORP INC/MD

NASDAQ:CULL (7/19/2024, 8:00:00 PM)

After market: 9.1 -0.61 (-6.28%)

9.71

-0.29 (-2.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-14 2024-05-14
Earnings (Next)08-05 2024-08-05
Inst Owners0.34%
Inst Owner Change0%
Ins Owners10.98%
Ins Owner Change0%
Market Cap70.40M
Analysts0
Price TargetN/A
Short Float %0.6%
Short Ratio6.94
Dividend
Industry RankSector Rank
Dividend Yield 1.33%
Yearly Dividend0.12
Dividend Growth(5Y)N/A
DP24.1%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.04
Fwd PE N/A
P/S 4.26
P/FCF 75.61
P/OCF 11.63
P/B 0.69
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)0.51
EY5.25%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.13
FCFY1.32%
OCF(TTM)0.83
OCFY8.6%
SpS2.28
BVpS13.98
TBVpS13.98
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 3.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.88%
GM N/A
FCFM 5.63%
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)3.25%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 1094.23%
Cap/Sales 30.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 25.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC9.54%
ROIC/WACCN/A
Cap/Depr(3y)521.49%
Cap/Depr(5y)N/A
Cap/Sales(3y)13.94%
Cap/Sales(5y)N/A
Profit Quality(3y)124.41%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-17.12%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-28.15%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.7%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-8.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-76.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.28%
OCF growth 3YN/A
OCF growth 5YN/A