Cullman Bancorp, Inc. (CULL) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Cullman Bancorp, Inc. (CULL) trades at $16.24 with AI Score 49/100 (Grade C). Cullman Bancorp, Inc. Market cap: $93.3M, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for CULL: CULL does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CULL against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CULL: 1/3 scored disciplines lean bearish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Cullman Bancorp, Inc. (CULL) Financial Services Profile
Cullman Bancorp, Inc., operating as Cullman Savings Bank, offers traditional banking services in Alabama. With a long history dating back to 1887, the company focuses on local real estate and commercial lending, distinguishing itself through community-centric banking amidst a competitive regional landscape and evolving fintech environment.
What Is the Investment Thesis for CULL?
Cullman Bancorp, Inc. presents a community banking model with a focus on local lending and deposit services. With a market capitalization of $93.3M and a P/E ratio of 20.02, the company exhibits a moderate valuation relative to its earnings. A key value driver is its established presence in the Cullman, Alabama region, fostering customer loyalty and deposit stability. The company's dividend yield of 0.91% provides a modest income stream for investors. Potential growth catalysts include expansion of its loan portfolio and strategic investments in technology to enhance customer service. However, investors may want to evaluate the risks associated with operating in a competitive banking environment and the potential impact of regulatory changes on profitability.
Based on FMP financials and quantitative analysis
CULL Key Highlights
- Market capitalization of $93.3M indicates a small-cap valuation.
- P/E ratio of 20.02 suggests a moderate valuation compared to earnings.
- Profit margin of 16.1% reflects the company's profitability in its operations.
- Gross margin of 35.5% indicates the efficiency of the company's revenue generation.
- Dividend yield of 0.91% provides a modest income stream for investors.
Who Are CULL's Competitors?
CULL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CZBS Citizens Bancshares Corporation | $56.37 | +0.48% | $102M | 44 |
| CZBT Citizens Bancorp of Virginia, Inc. | $39.00 | -0.03% | $82.2M | 53 |
| DWNX Delhi Bank Corp. | $21.15 | +0.00% | $71.4M | 53 |
| FBSI First Bancshares, Inc. | $32.49 | +0.00% | $78.4M | 50 |
| JUVF Juniata Valley Financial Corp. | $15.71 | +2.01% | $79.1M | 53 |
| ATLO Ames National Corporation | $29.55 | -0.24% | $262M | 91 |
| FRAF Franklin Financial Services Corporation | $62.98 | +0.65% | $283M | 92 |
| TSBK Timberland Bancorp, Inc. | $43.67 | -0.23% | $342M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CULL's Key Strengths?
- Long-standing presence in the Cullman, Alabama region.
- Strong relationships with local customers and businesses.
- Community-focused banking model.
- Experienced management team.
What Are CULL's Weaknesses?
- Limited geographic reach.
- Small market capitalization.
- Dependence on local economy.
- Limited technology infrastructure compared to larger banks.
What Could Drive CULL Stock Higher?
- Expansion of loan portfolio in the Alabama region.
- Investment in technology to improve customer service and efficiency.
- Potential strategic partnerships with local businesses and organizations.
- Possible branch expansion in underserved areas within its region.
- Focus on enhancing customer service and building strong relationships.
What Are the Key Risks for CULL?
- Financial-distress signal — its Altman Z-Score of -0.34 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks.
- Economic downturn in the local economy.
- Regulatory changes that increase compliance costs.
- Cybersecurity threats.
- Limited liquidity due to low trading volume on the OTC market.
What Are the Growth Opportunities for CULL?
- Expansion of Loan Portfolio: Cullman Bancorp, Inc. can pursue growth by expanding its loan portfolio, particularly in commercial real estate and industrial loans, within its existing geographic footprint. The market for commercial lending in Alabama is projected to grow at a rate of 3-5% annually, presenting opportunities for Cullman Savings Bank to increase its market share. By focusing on relationship-based lending and providing tailored financial solutions, the bank can attract new customers and build long-term relationships.
- Investment in Technology: Cullman Bancorp, Inc. can enhance its competitiveness by investing in technology to improve customer service and streamline operations. This includes implementing online and mobile banking platforms, as well as investing in data analytics to better understand customer needs and preferences. The market for fintech solutions in the banking industry is growing rapidly, with projections indicating a potential market size of $500 billion by 2028. By embracing technology, Cullman Savings Bank can attract younger customers and improve efficiency.
- Strategic Partnerships: Cullman Bancorp, Inc. can explore strategic partnerships with local businesses and organizations to expand its reach and customer base. This includes partnering with real estate developers, chambers of commerce, and community organizations to offer financial services to their members. By leveraging these partnerships, Cullman Savings Bank can increase its visibility and attract new customers.
- Branch Expansion: While maintaining its focus on community banking, Cullman Bancorp, Inc. can consider strategic branch expansion in underserved areas within its region. This includes opening new branches in neighboring towns and counties to reach new customers and expand its market share. The cost of opening a new branch can range from $500,000 to $1 million, but the potential return on investment can be significant in terms of increased deposits and loan volume.
- Enhanced Customer Service: Cullman Bancorp, Inc. can differentiate itself by providing exceptional customer service and building strong relationships with its customers. This includes offering personalized financial advice, providing quick and efficient service, and resolving customer issues promptly. By focusing on customer satisfaction, Cullman Savings Bank can build customer loyalty and attract new customers through referrals.
What Opportunities Does CULL Have?
- Expansion of loan portfolio.
- Investment in technology to improve customer service.
- Strategic partnerships with local businesses.
- Branch expansion in underserved areas.
What Threats Does CULL Face?
- Competition from larger regional and national banks.
- Economic downturn in the local economy.
- Regulatory changes that increase compliance costs.
- Cybersecurity threats.
What Are CULL's Competitive Advantages?
- Established presence in the Cullman, Alabama region.
- Strong relationships with local customers and businesses.
- Community-focused banking model.
- Local market knowledge and expertise.
What Does CULL Do?
Cullman Bancorp, Inc., established in 1887, functions as the holding company for Cullman Savings Bank. Rooted in Cullman, Alabama, the bank provides a suite of financial products and services tailored to individuals and businesses within its community. These offerings encompass traditional checking and savings accounts, including individual retirement accounts (IRAs), and certificates of deposit. Cullman Savings Bank distinguishes itself through its lending activities, specializing in one- to four-family residential real estate loans, commercial real estate financing, commercial and industrial loans, construction loans, and multi-family real estate loans. The bank also provides consumer loans and invests in securities to manage its asset portfolio. Operating from three branch offices in Cullman and one in Hanceville, Alabama, Cullman Savings Bank maintains a localized focus, emphasizing relationship-based banking and community development. Its long-standing presence in the region underscores its commitment to serving the financial needs of its customers while navigating the evolving banking landscape.
What Products and Services Does CULL Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers individual retirement accounts (IRAs) and certificates of deposit.
- Provides one- to four-family residential real estate loans.
- Offers commercial real estate financing.
- Provides commercial and industrial loans.
- Offers construction loans.
- Provides multi-family real estate loans.
- Offers consumer loans.
How Does CULL Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services.
- Invests in securities to generate additional income.
- Manages assets and liabilities to optimize profitability.
What Industry Does CULL Operate In?
Cullman Bancorp, Inc. operates within the regional banking sector, characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies challenging traditional banking models. Regional banks like Cullman Bancorp, Inc. face the challenge of balancing traditional relationship-based banking with the need to invest in technology and innovation to remain competitive. The regulatory environment also plays a significant role, with banks subject to capital requirements and compliance costs. Cullman Bancorp, Inc.'s focus on local lending and deposit services positions it as a community-oriented bank within this dynamic landscape.
Who Are CULL's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers seeking financing for construction projects.
- Commercial property owners needing financing for their properties.
Cullman Bancorp, Inc. (CULL) Valuation Context
Valued at $93.3M, CULL is classified as a micro-cap stock. Relative to its peer group, CULL's quantitative score of 49/100 is roughly in line with the peer average of 51/100.
ROE 4%Key Financial Metrics
Return on equity for Cullman Bancorp, Inc. stands at 4.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. CULL trades at a trailing price-to-earnings ratio of 22.15, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
Cullman Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.34 places it in the distress zone, a signal of elevated financial risk.
CULL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing presence in the Cullman, Alabama region.
- Strong relationships with local customers and businesses.
- Community-focused banking model.
- Experienced management team.
Bear Case
- Limited geographic reach.
- Small market capitalization.
- Dependence on local economy.
- Limited technology infrastructure compared to larger banks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CULL Latest News
No recent news available for CULL.
CULL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CULL.
Price Targets
Wall Street price target analysis for CULL.
CULL MoonshotScore
What does this score mean?
The MoonshotScore rates CULL 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: John A. Riley
CEO
John A. Riley serves as the CEO of Cullman Bancorp, Inc., overseeing the strategic direction and day-to-day operations of the company and its subsidiary, Cullman Savings Bank. His background includes extensive experience in the banking industry, with a focus on community banking and relationship management. He has held various leadership positions within the bank, contributing to its growth and stability over the years. Riley is actively involved in the Cullman community, serving on various boards and committees.
Track Record: Under John A. Riley's leadership, Cullman Bancorp, Inc. has maintained a strong focus on community banking and customer service. He has overseen the expansion of the bank's loan portfolio and the implementation of new technologies to improve efficiency. Riley has also played a key role in managing the bank's regulatory compliance and risk management efforts. The company has maintained a consistent profitability and a stable financial position.
CULL OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Cullman Bancorp, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited liquidity due to low trading volume.
- Lack of regulatory oversight compared to exchange-listed companies.
- Potential for information asymmetry due to limited disclosure.
- Higher price volatility.
- Increased risk of fraud or manipulation.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance and risk management practices.
- Understand the risks associated with investing in OTC stocks.
- Monitor the company's trading volume and price volatility.
- Consult with a financial advisor before investing.
- Long operating history dating back to 1887.
- Focus on community banking and local lending.
- Physical branch locations in Cullman and Hanceville, Alabama.
- Positive reputation within the local community.
- Active involvement in community organizations.
Common Questions About CULL (Financial Services)
What does the AI Score mean for CULL?
CULL holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Cullman Bancorp, Inc., through its subsidiary Cullman Savings Bank, provides a range of banking products and services to individuals and businesses in Cullman, Alabama, and surrounding areas …
What does Cullman Bancorp, Inc. do?
Cullman Bancorp, Inc., through its subsidiary Cullman Savings Bank, operates as a community-focused financial institution providing a range of banking products and services to individuals and businesses in Cullman, Alabama, and surrounding areas. The bank offers traditional deposit accounts, including checking, savings, and IRAs, as well as certificates of deposit.
What do analysts say about CULL stock?
As of 2026-03-17, there is no readily available analyst coverage or consensus on Cullman Bancorp, Inc. (CULL) due to its OTC market listing and smaller market capitalization. Investors should conduct their own thorough due diligence, considering factors such as the company's financial performance, growth prospects, competitive landscape, and the risks associated with investing in OTC stocks.
What are the main risks for CULL?
Investing in Cullman Bancorp, Inc. (CULL) carries several risks inherent to its size, market, and OTC listing. Competition from larger regional and national banks poses a significant threat, as these institutions often have greater resources and a wider range of services. An economic downturn in the local Cullman, Alabama region could negatively impact the bank's loan portfolio and profitability.
What are the key factors to evaluate for CULL?
Cullman Bancorp, Inc. (CULL) holds an AI score of 49/100 (low). Not financial advice.
How frequently does CULL data refresh on this page?
CULL's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CULL's recent stock price performance?
Cullman Bancorp, Inc. (CULL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the Cullman, Alabama region. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CULL overvalued or undervalued right now?
Cullman Bancorp, Inc. (CULL) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CULL before investing?
Before investing in Cullman Bancorp, Inc. (CULL), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be limited or less reliable than exchange-listed data.