Cullman Bancorp Inc Financials

Cullman Bancorp Inc (CULL) reported $19.5M in total revenue for fiscal year 2023. This represents a 45.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Cullman Bancorp Inc (CULL) revenue grew by 45.5% year-over-year, from $13.4M to $19.5M in fiscal year 2023.

Yes, Cullman Bancorp Inc (CULL) reported a net income of $4.0M in fiscal year 2023, with a net profit margin of 20.3%.

Cullman Bancorp Inc (CULL) reported diluted earnings per share of $0.54 for fiscal year 2023. This represents a 116.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Cullman Bancorp Inc (CULL) had a net profit margin of 20.3% in fiscal year 2023, representing the share of revenue converted into profit after all expenses.

Cullman Bancorp Inc (CULL) has a return on equity of 3.9% for fiscal year 2023, measuring how efficiently the company generates profit from shareholder equity.

Cullman Bancorp Inc (CULL) generated $2.2M in free cash flow during fiscal year 2023. This represents a -43.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Cullman Bancorp Inc (CULL) generated $5.9M in operating cash flow during fiscal year 2023, representing cash generated from core business activities.

Cullman Bancorp Inc (CULL) had $411.6M in total assets as of fiscal year 2023, including both current and long-term assets.

Cullman Bancorp Inc (CULL) invested $3.6M in capital expenditures during fiscal year 2023, funding long-term assets and infrastructure.

Yes, Cullman Bancorp Inc (CULL) spent $2.9M on share buybacks during fiscal year 2023, returning capital to shareholders by reducing shares outstanding.

Cullman Bancorp Inc (CULL) had 7M shares outstanding as of fiscal year 2023.

Cullman Bancorp Inc (CULL) had a debt-to-equity ratio of 3.05 as of fiscal year 2023, measuring the company's financial leverage by comparing total debt to shareholder equity.

Cullman Bancorp Inc (CULL) had a return on assets of 1.0% for fiscal year 2023, measuring how efficiently the company uses its assets to generate profit.

Cullman Bancorp Inc (CULL) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals.

Cullman Bancorp Inc (CULL) has an earnings quality ratio of 1.48x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation.

Cullman Bancorp Inc (CULL) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks.