Stocktoria
Cullman Bancorp, Inc. /MD/ CULL
Cullman Bancorp, Inc. /MD/ (CULL) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 0.87% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CULL | Cullman Bancorp, Inc. /MD/ | 4/9 | — | 25.9 | — |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
About Cullman Bancorp, Inc. /MD/
Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various financial products and services in the United States. It offers personal and business checking accounts; personal savings accounts comprising kids club, Christmas club, certificates of deposits, and individual retirement accounts; business savings accounts; debit and credit cards; online banking, automated clearinghouse, merchant, and remote deposit capture services; mobile banking and deposit; eStatements; overdraft protection; safe deposit boxes; wire transfers; and cashier's checks. The company also provides personal loans, including mortgage, home equity, land, construction, and personal and auto loans, as well as business loans, such as commercial real estate, term loans, lines of credit, and agricultural loans. Cullman Bancorp, Inc. was founded in 1887 and is based in Cullman, Alabama.
FAQ
Is CULL financially healthy?
Cullman Bancorp, Inc. /MD/'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does CULL pay a dividend, and is it safe?
Yes. Cullman Bancorp, Inc. /MD/ pays a dividend yielding about 0.87% with a 22.4% payout ratio, rated “safe” for safety.
How profitable is CULL?
In FY2023, Cullman Bancorp, Inc. /MD/ had a return on equity of 3.9%.
Is CULL overvalued or undervalued?
Cullman Bancorp, Inc. /MD/ trades at about 29.9× trailing earnings — below its 10-year norm (10-year range 19.9×–48.4×, median 47.1×). Stocktoria reports the data, not buy/sell advice.
Is CULL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Cullman Bancorp, Inc. /MD/: a Piotroski F-score of 4/9, a P/E of about 25.9×, a dividend yield of 0.87%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2023-12-31. Facts plus Stocktoria's own computed scores — not investment advice.