CULLMAN BANCORP INC MD (CULL) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 18, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q1 FY2024, filed May 14, 2024. Each column of the statement tables below links to the filing it was taken from.
CULLMAN BANCORP INC MD (CULL) reported $16.5M in revenue over the twelve months to Mar 31, 2024, down 4.8% from the prior twelve months. This page shows its 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).
The dominant mechanic is balance-sheet intermediation: modest earnings on a large asset base, with funding costs shaping cash conversion.
Revenue was broadly flat from FY2022 to FY2023 while net margin narrowed from24.8% to23.4% , indicating that the pressure was not primarily volume-driven. Interest expense rose to$4.3M as free cash flow fell44.6% , linking higher funding costs to weaker cash retained after reinvestment.
The company carries
Operating cash flow of
Financial Health Signals
CULLMAN BANCORP INC MD does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
CULLMAN BANCORP INC MD passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, CULLMAN BANCORP INC MD 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
Earnings & Revenue
CULLMAN BANCORP INC MD generated $3.9M in revenue in Q1 2024. This represents a decrease of 8.3% from the same quarter a year earlier. Against the prior quarter it is down 4.9%.
CULLMAN BANCORP INC MD reported $714K in net income in Q1 2024. This represents a decrease of 29.7% from the same quarter a year earlier. Against the prior quarter it is down 14.0%.
CULLMAN BANCORP INC MD earned $0.11 per diluted share (EPS) in Q1 2024. This represents a decrease of 26.7% from the same quarter a year earlier. Against the prior quarter it is up 10.0%.
Not reported for Q1 2024.
Cash & Balance Sheet
CULLMAN BANCORP INC MD generated $130K in free cash flow in Q1 2024, representing cash available after capex. This represents a decrease of 90.9% from the same quarter a year earlier. Against the prior quarter it is up 108.1%.
CULLMAN BANCORP INC MD held $17.4M in cash as of Q1 2024; long-term debt is not reported for that period.
Not reported for Q1 2024.
Margins & Returns
CULLMAN BANCORP INC MD's net profit margin was 18.3% in Q1 2024, showing the share of revenue converted to profit. This is down 5.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.9 percentage points.
CULLMAN BANCORP INC MD's ROE was 0.7% in Q1 2024, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q1 2024.
Not reported for Q1 2024.
Capital Allocation
CULLMAN BANCORP INC MD spent $373K on share buybacks in Q1 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 176.3% from the same quarter a year earlier. Against the prior quarter it is down 77.9%.
CULLMAN BANCORP INC MD invested $1.5M in capex in Q1 2024, funding long-term assets and infrastructure. This represents an increase of 3727.5% from the same quarter a year earlier. Against the prior quarter it is down 26.7%.
Not reported for Q1 2024.
CULL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q | Q2'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.9M-8.3% | $4.1M-7.1% | $4.3M-2.4% | $4.3M-1.3% | $4.3M+13.7% | $4.4M+35.2% | $4.4M+33.2% | $4.3M+31.5% |
| SG&A Expenses | $2.1M+7.5% | $1.9M-16.1% | $2.0M-2.6% | $2.0M+16.4% | $1.9M+19.4% | $2.2M+30.0% | $2.0M+25.8% | $1.8M+19.6% |
| Interest Expense | $1.6M+105.4% | $1.3M+107.5% | $1.2M+319.9% | $1.0M+378.2% | $759K+217.6% | $629K+63.4% | $281K-32.9% | $216K-52.4% |
| Income Tax | $183K-46.5% | $167K+30.5% | $297K-17.0% | $291K-7.6% | $342K+14.0% | $128K+39.1% | $358K+293.5% | $315K+42.5% |
| Net Income | $714K-29.7% | $830K-11.2% | $1.1M+16.6% | $1.0M-21.6% | $1.0M+0.5% | $935K+51.1% | $926K+284.8% | $1.3M+54.9% |
| EPS (Basic) | $0.11-26.7% | $0.12-7.7% | $0.15+15.4% | $0.15-21.1% | $0.150.0% | $0.13+85.7% | $0.13+316.7% | $0.19+46.2% |
| EPS (Diluted) | $0.11-26.7% | $0.10-28.6% | $0.15+15.4% | $0.14-26.3% | $0.15+7.1% | $0.14+100.0% | $0.13+316.7% | $0.19+58.3% |
| Diluted Shares (Avg) | 7M-2.4% | N/A | 7M-0.3% | 7M+0.9% | 7M-0.4% | N/A | 7M+11.7% | 7M+2.7% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CULL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q | Q2'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $420.7M+0.8% | $411.6M-2.7% | $417.3M+2.8% | $417.9M+8.8% | $417.5M+18.1% | $423.2M+19.3% | $406.1M+9.0% | $384.0M+2.1% |
| Cash & Equivalents | $17.4M-37.3% | $13.0M-64.4% | $22.8M-20.7% | $26.2M+5.6% | $27.7M-28.4% | $36.6M+1555.9% | $28.7M-68.0% | $24.8M-73.4% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $319.4M+0.8% | $309.9M-4.1% | $316.1M+2.8% | $316.1M+10.8% | $317.0M+24.3% | $323.0M+26.7% | $307.6M+12.3% | $285.3M-10.4% |
| Total Equity | $101.3M+0.7% | $101.7M+1.6% | $101.2M+2.7% | $101.7M+3.1% | $100.6M+2.0% | $100.2M+0.4% | $98.5M-0.3% | $98.7M+70.7% |
| Retained Earnings | $59.2M+4.9% | $59.3M+4.9% | $58.5M+5.2% | $57.4M+5.0% | $56.4M+5.7% | $56.6M+6.2% | $55.6M+5.8% | $54.7M+8.4% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CULL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q | Q2'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.7M+13.2% | $474K-7.4% | $2.4M+12.1% | $1.5M-30.0% | $1.5M+52.3% | $512K-49.8% | $2.2M-24.1% | $2.1M+220.9% |
| Depreciation & Amortization | $119K+2.6% | $119K+430.6% | $128K-3.0% | $128K+11.3% | $116K-6.5% | -$36K-133.6% | $132K+10.9% | $115K+3.6% |
| Stock-Based Compensation | $264K+89.9% | N/A | N/A | $27K0.0% | $139K0.0% | N/A | N/A | $27K0.0% |
| Capital Expenditures | $1.5M+3727.5% | $2.1M+178.4% | $642K+50.0% | $860K+191.5% | $40K-85.2% | $750K+134.4% | $428K-33.2% | $295K+7.3% |
| Free Cash Flow | $130K-90.9% | -$1.6M-578.2% | $1.8M+2.8% | $625K-65.8% | $1.4M+105.9% | -$238K-134.0% | $1.7M-21.5% | $1.8M+373.1% |
| Investing Cash Flow | -$5.5M-90.6% | -$3.3M+61.4% | -$3.8M+80.6% | -$1.8M+96.0% | -$2.9M+87.5% | -$8.7M+14.6% | -$19.7M-1255.9% | -$45.9M-777.0% |
| Financing Cash Flow | $8.2M+209.0% | -$6.9M-142.9% | -$2.0M-109.3% | -$1.2M-104.0% | -$7.5M-687.5% | $16.1M+186.2% | $21.5M+541.7% | $29.9M-26.4% |
| Dividends Paid | $876K-1.1% | $0 | $0 | $0 | $886K-0.3% | $0 | $0 | $0 |
| Share Buybacks | $373K+176.3% | $1.7M+1230.7% | $1.0M | $2K | $135K | $127K | $0 | $0 |
CULL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K | Q3'2210-Q | Q2'2210-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 18.3%-5.5pp | 20.2%-0.9pp | 25.4%+4.1pp | 24.2%-6.3pp | 23.8%-3.1pp | 21.1%+2.2pp | 21.2%+36.5pp | 30.4%+4.6pp |
| Return on Equity | 0.7%-0.3pp | 0.8%-0.1pp | 1.1%+0.1pp | 1.0%-0.3pp | 1.0%0.0pp | 0.9%+0.3pp | 0.9%+1.5pp | 1.3%-0.1pp |
| Return on Assets | 0.2%-0.1pp | 0.2%0.0pp | 0.3%0.0pp | 0.3%-0.1pp | 0.2%-0.1pp | 0.2%+0.1pp | 0.2%+0.4pp | 0.3%+0.1pp |
| Debt-to-Equity | 3.150.0x | 3.05-0.2x | 3.120.0x | 3.11+0.2x | 3.15+0.6x | 3.22+0.7x | 3.12+0.4x | 2.89-2.6x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 3.3%-30.1pp | -39.2%-33.9pp | 42.1%+2.1pp | 14.7%-27.7pp | 33.5%+15.0pp | -5.4%-26.7pp | 40.0%-27.8pp | 42.4%+30.6pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| CULLMAN BANCORP INC MD CULL | FY2023 | $16.9M | $4.0M | 23.4% | $104.2M | — |
| POTOMAC BNCSHS INC PTBS | FY2011 | $14.0M | -$1.0M | -7.2% | $109.8M | — |
| UWHARRIE CAPITAL CORP UWHR | FY2025 | $50.1M | $11.4M | 22.7% | $104.8M | — |
Where CULLMAN BANCORP INC MD Ranks
Frequently Asked Questions
What is CULLMAN BANCORP INC MD's annual revenue?
CULLMAN BANCORP INC MD (CULL) reported $16.9M in total revenue for fiscal year 2023. This represents a 0.2% 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 MD's revenue growing?
CULLMAN BANCORP INC MD (CULL) revenue grew by 0.2% year-over-year, from $16.9M to $16.9M in fiscal year 2023.
Is CULLMAN BANCORP INC MD profitable?
Yes, CULLMAN BANCORP INC MD (CULL) reported a net income of $4.0M in fiscal year 2023, with a net profit margin of 23.4%.
What is CULLMAN BANCORP INC MD's net profit margin?
CULLMAN BANCORP INC MD (CULL) had a net profit margin of 23.4% in fiscal year 2023, representing the share of revenue converted into profit after all expenses.
What is CULLMAN BANCORP INC MD's return on equity (ROE)?
CULLMAN BANCORP INC MD (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 MD's free cash flow?
CULLMAN BANCORP INC MD (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 MD's operating cash flow?
CULLMAN BANCORP INC MD (CULL) generated $5.9M in operating cash flow during fiscal year 2023, representing cash generated from core business activities.
What are CULLMAN BANCORP INC MD's total assets?
CULLMAN BANCORP INC MD (CULL) had $411.6M in total assets as of fiscal year 2023, including both current and long-term assets.
What are CULLMAN BANCORP INC MD's capital expenditures?
CULLMAN BANCORP INC MD (CULL) invested $3.6M in capital expenditures during fiscal year 2023, funding long-term assets and infrastructure.
What is CULLMAN BANCORP INC MD's debt-to-equity ratio?
CULLMAN BANCORP INC MD (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 MD's return on assets (ROA)?
CULLMAN BANCORP INC MD (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 MD's P/E ratio?
CULLMAN BANCORP INC MD (CULL) trades at 28.5x earnings, its market capitalization divided by net income of $3.7M net income, trailing 12 months to March 31, 2024. The market capitalization is $104.2M as of Sep 18, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CULLMAN BANCORP INC MD's price-to-sales ratio?
CULLMAN BANCORP INC MD (CULL) trades at 6.3x sales, its market capitalization divided by revenue of $16.5M revenue, trailing 12 months to March 31, 2024. The market capitalization is $104.2M as of Sep 18, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CULLMAN BANCORP INC MD's Piotroski F-Score?
CULLMAN BANCORP INC MD (CULL) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CULLMAN BANCORP INC MD's earnings high quality?
CULLMAN BANCORP INC MD (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.