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Cullman Bancorp, Inc. /MD/

CULL

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5 Visible periods

31 Metrics

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Good

Bullish

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Analytical Summary

Cullman Bancorp, Inc. /MD/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap —

Dividend Yield —

Revenue Growth 0.2% ↘

Op. Margin 29.9% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$16.89M

— +0.2% —

Net Income Profit after all expenses

$3.95M

↓ -5.5% —

Operating Margin Operating profit as % of sales

29.9%

↓ -4.7% 87th

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

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Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	28.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+378%)	2.7% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-56%)	—	—
EPS Growth YoY (%)	-5.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	136.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-51.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-5.5% Weak ↓ Weak Declining Year-over-year change in net income	139.0% Excellent Excellent Year-over-year change in net income	-50.6% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.8% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
EPS CAGR 3Y (%)	2.5% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	29.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	31.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	16.0% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	35.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	—
Effective Tax Rate (%) (%)	21.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	23.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	24.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	13.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	27.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	3.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	4.2% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	1.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	6.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$2.44	$2.43	$1.91	$1.91	—
Basic EPS, GAAP (USD)	$0.56	$0.59	$0.25	$0.52	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$13.93	$13.55	$13.47	$8.17	—
Tangible Book Value per Share (USD)	$13.93	$13.55	$13.47	$8.17	—
Basic Weighted Avg Shares (shares)	6.92M	6.95M	6.86M	6.68M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$101.73M	$100.18M	$99.73M	$56.88M	$53.40M

📋 What is driving earnings? 4 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$16.89M	$16.85M	$13.09M	$12.75M	—
Depreciation Expense (USD)	$512.00K	$468.00K	$442.00K	$419.00K	—
Net Income, GAAP (USD)	$3.95M	$4.18M	$1.75M	$3.55M	—
Operating Cash Flow (USD)	$5.86M	$5.77M	$5.11M	$3.44M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.6%	3.3%	3.4%	—
Efficiency Ratio (%) (%)	68.4%	66.0%	83.5%	63.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 2 days ago 5 years · 18 quarters

Cullman Bancorp, Inc. /MD/

Analytical Summary

5-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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