What is Cullman Bancorp Inc's earnings per share (EPS)?

Cullman Bancorp Inc (CULL) reported diluted earnings per share of $0.54 for fiscal year 2023. This represents a -8.5% 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 Financials

CULL

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2024 Currency USD FYE December

This page shows Cullman Bancorp Inc (CULL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 44/100

Based on FY2023 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Cullman Bancorp Inc's revenue surged 17.7% year-over-year to $19.5M, reflecting rapid business expansion. This strong growth earns a score of 63/100.

Leverage

Cullman Bancorp Inc has a moderate D/E ratio of 3.05. This balance of debt and equity financing earns a leverage score of 40/100.

Cash Flow

Cullman Bancorp Inc has a free cash flow margin of 11.5%, earning a moderate score of 54/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Cullman Bancorp Inc generates a 3.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 20/100. This is down from 4.2% the prior year.

Piotroski F-Score Neutral

5/9

Cullman Bancorp Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.48x

For every $1 of reported earnings, Cullman Bancorp Inc generates $1.48 in operating cash flow ($5.9M OCF vs $4.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$19.5M

YoY+17.7%

Cullman Bancorp Inc generated $19.5M in revenue in fiscal year 2023. This represents an increase of 17.7% from the prior year.

EBITDA

N/A

Net Income

$4.0M

YoY-5.5%

Cullman Bancorp Inc reported $4.0M in net income in fiscal year 2023. This represents a decrease of 5.5% from the prior year.

EPS (Diluted)

$0.54

YoY-8.5%

Cullman Bancorp Inc earned $0.54 per diluted share (EPS) in fiscal year 2023. This represents a decrease of 8.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$2.2M

YoY-44.6%

Cullman Bancorp Inc generated $2.2M in free cash flow in fiscal year 2023, representing cash available after capex. This represents a decrease of 44.6% from the prior year.

Cash & Debt

$13.0M

YoY-64.4%

Cullman Bancorp Inc held $13.0M in cash against $0 in long-term debt as of fiscal year 2023.

Dividends Per Share

N/A

Shares Outstanding

YoY-1.3%

Cullman Bancorp Inc had 7M shares outstanding in fiscal year 2023. This represents a decrease of 1.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

20.3%

YoY-5.0pp

Cullman Bancorp Inc's net profit margin was 20.3% in fiscal year 2023, showing the share of revenue converted to profit. This is down 5.0 percentage points from the prior year.

Return on Equity

3.9%

YoY-0.3pp

Cullman Bancorp Inc's ROE was 3.9% in fiscal year 2023, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.9M

YoY+2159.8%

Cullman Bancorp Inc spent $2.9M on share buybacks in fiscal year 2023, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2159.8% from the prior year.

Capital Expenditures

$3.6M

YoY+108.3%

Cullman Bancorp Inc invested $3.6M in capex in fiscal year 2023, funding long-term assets and infrastructure. This represents an increase of 108.3% from the prior year.

CULL Income Statement

Metric	FY23	FY22	FY21	FY20
Revenue	$19.5M+17.7%	$16.5M+23.6%	$13.4M-5.7%	$14.2M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A
Interest Expense	$4.3M+213.3%	$1.4M-23.6%	$1.8M-37.7%	$2.9M
Income Tax	$1.1M-0.4%	$1.1M+220.1%	$344K-64.1%	$957K
Net Income	$4.0M-5.5%	$4.2M+139.0%	$1.8M-50.6%	$3.5M
EPS (Diluted)	$0.54-8.5%	$0.59+136.0%	$0.25-51.9%	$0.52

Metric	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22
Revenue	$5.1M+1.8%	$5.0M-1.2%	$5.1M+6.0%	$4.8M+2.4%	$4.7M+0.5%	$4.6M+9.1%	$4.2M+3.7%	$4.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.6M+19.5%	$1.3M+10.6%	$1.2M+14.2%	$1.0M+36.1%	$759K+20.7%	$629K+123.8%	$281K+30.1%	$216K
Income Tax	$183K+9.6%	$167K-43.8%	$297K+2.1%	$291K-14.9%	$342K+167.2%	$128K-64.2%	$358K+13.7%	$315K
Net Income	$714K-14.0%	$830K-23.1%	$1.1M+5.1%	$1.0M+1.3%	$1.0M+8.6%	$935K+1.0%	$926K-29.4%	$1.3M
EPS (Diluted)	$0.11	N/A	$0.15+7.1%	$0.14-6.7%	$0.15	N/A	$0.13-31.6%	$0.19

CULL Balance Sheet

Metric	FY23	FY22	FY21	FY20
Total Assets	$411.6M-2.7%	$423.2M+19.3%	$354.7M+7.0%	$331.4M
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	$13.0M-64.4%	$36.6M+1555.9%	$2.2M-29.4%	$3.1M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A
Total Liabilities	$309.9M-4.1%	$323.0M+26.7%	$255.0M-7.1%	$274.5M
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A
Total Equity	$101.7M+1.6%	$100.2M+0.4%	$99.7M+75.4%	$56.9M
Retained Earnings	$59.3M+4.9%	$56.6M+6.2%	$53.3M+7.2%	$49.7M

Metric	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22
Total Assets	$420.7M+2.2%	$411.6M-1.4%	$417.3M-0.1%	$417.9M+0.1%	$417.5M-1.3%	$423.2M+4.2%	$406.1M+5.8%	$384.0M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$17.4M+33.1%	$13.0M-42.8%	$22.8M-12.9%	$26.2M-5.5%	$27.7M-24.4%	$36.6M+27.5%	$28.7M+16.0%	$24.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$319.4M+3.1%	$309.9M-2.0%	$316.1M0.0%	$316.1M-0.3%	$317.0M-1.9%	$323.0M+5.0%	$307.6M+7.8%	$285.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$101.3M-0.4%	$101.7M+0.5%	$101.2M-0.5%	$101.7M+1.2%	$100.6M+0.4%	$100.2M+1.7%	$98.5M-0.2%	$98.7M
Retained Earnings	$59.2M-0.3%	$59.3M+1.4%	$58.5M+1.9%	$57.4M+1.8%	$56.4M-0.3%	$56.6M+1.7%	$55.6M+1.7%	$54.7M

CULL Cash Flow Statement

Metric	FY23	FY22	FY21	FY20
Operating Cash Flow	$5.9M+1.6%	$5.8M+10.4%	$5.2M+51.7%	$3.4M
Capital Expenditures	$3.6M+108.3%	$1.7M+33.6%	$1.3M+203.5%	$430K
Free Cash Flow	$2.2M-44.6%	$4.0M+2.7%	$3.9M+30.1%	$3.0M
Investing Cash Flow	-$11.9M+87.8%	-$97.6M-328.2%	-$22.8M-205.1%	$21.7M
Financing Cash Flow	-$17.6M-126.4%	$66.5M+247.5%	$19.1M-34.3%	$29.1M
Dividends Paid	$886K-0.3%	$889K+3.7%	$857K+3.1%	$831K
Share Buybacks	$2.9M+2159.8%	$127K	N/A	$164K

Metric	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22
Operating Cash Flow	$1.7M+250.4%	$474K-80.5%	$2.4M+64.0%	$1.5M+1.2%	$1.5M+186.5%	$512K-76.4%	$2.2M+2.4%	$2.1M
Capital Expenditures	$1.5M-26.7%	$2.1M+225.2%	$642K-25.3%	$860K+2050.0%	$40K-94.7%	$750K+75.2%	$428K+45.1%	$295K
Free Cash Flow	$130K+108.1%	-$1.6M-190.0%	$1.8M+186.9%	$625K-56.2%	$1.4M+699.6%	-$238K-113.6%	$1.7M-4.5%	$1.8M
Investing Cash Flow	-$5.5M-65.2%	-$3.3M+12.4%	-$3.8M-110.3%	-$1.8M+37.4%	-$2.9M+66.6%	-$8.7M+56.0%	-$19.7M+57.0%	-$45.9M
Financing Cash Flow	$8.2M+218.8%	-$6.9M-245.5%	-$2.0M-69.0%	-$1.2M+84.3%	-$7.5M-146.7%	$16.1M-25.3%	$21.5M-27.9%	$29.9M
Dividends Paid	$876K	$0	$0	$0-100.0%	$886K	$0	$0	$0
Share Buybacks	$373K-77.9%	$1.7M+62.0%	$1.0M+52050.0%	$2K-98.5%	$135K+6.3%	$127K	$0	$0

CULL Financial Ratios

Metric	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A
Net Margin	20.3%-5.0pp	25.3%+12.2pp	13.1%-11.9pp	25.0%
Return on Equity	3.9%-0.3pp	4.2%+2.4pp	1.8%-4.5pp	6.2%
Return on Assets	1.0%-0.0pp	1.0%+0.5pp	0.5%-0.6pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	3.05-0.2	3.22+0.7	2.56-2.3	4.83
FCF Margin	11.5%-12.9pp	24.3%-5.0pp	29.3%+8.1pp	21.3%

Metric	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	14.1%-2.6pp	16.6%-4.7pp	21.4%-0.2pp	21.6%-0.2pp	21.8%+1.6pp	20.2%-1.6pp	21.8%-10.3pp	32.1%
Return on Equity	0.7%-0.1pp	0.8%-0.2pp	1.1%+0.1pp	1.0%0.0pp	1.0%+0.1pp	0.9%-0.0pp	0.9%-0.4pp	1.3%
Return on Assets	0.2%-0.0pp	0.2%-0.1pp	0.3%0.0pp	0.3%+0.0pp	0.2%+0.0pp	0.2%0.0pp	0.2%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.15+0.1	3.05-0.1	3.12+0.0	3.11-0.0	3.15-0.1	3.22+0.1	3.12+0.2	2.89
FCF Margin	2.6%+34.9pp	-32.3%-67.8pp	35.5%+22.4pp	13.1%-17.5pp	30.7%+35.8pp	-5.1%-46.2pp	41.1%-3.6pp	44.6%

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Frequently Asked Questions

What is Cullman Bancorp Inc's annual revenue?

Cullman Bancorp Inc (CULL) reported $19.5M in total revenue for fiscal year 2023. This represents a 17.7% 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.

How fast is Cullman Bancorp Inc's revenue growing?

Cullman Bancorp Inc (CULL) revenue grew by 17.7% year-over-year, from $16.5M to $19.5M in fiscal year 2023.

Is Cullman Bancorp Inc profitable?

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

What is Cullman Bancorp Inc's net profit margin?

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.

What is Cullman Bancorp Inc's return on equity (ROE)?

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.

What is Cullman Bancorp Inc's free cash flow?

Cullman Bancorp Inc (CULL) generated $2.2M in free cash flow during fiscal year 2023. This represents a -44.6% 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.

What is Cullman Bancorp Inc's operating cash flow?

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

What are Cullman Bancorp Inc's total assets?

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

What are Cullman Bancorp Inc's capital expenditures?

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

Does Cullman Bancorp Inc buy back shares?

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

How many shares does Cullman Bancorp Inc have outstanding?

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

What is Cullman Bancorp Inc's debt-to-equity ratio?

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.

What is Cullman Bancorp Inc's return on assets (ROA)?

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.

What is Cullman Bancorp Inc's Piotroski F-Score?

Cullman Bancorp Inc (CULL) has a Piotroski F-Score of 5 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. Learn more in our complete guide to financial health indicators.

Are Cullman Bancorp Inc's earnings high quality?

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. Learn more in our complete guide to financial health indicators.

How financially healthy is Cullman Bancorp Inc?

Cullman Bancorp Inc (CULL) scores 44 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. Learn more in our complete guide to financial health indicators.