Cullman Bancorp, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Affinity Bancshares, Inc.

First Capital, Inc.

Cullman Bancorp, Inc.

BV Financial, Inc.

CF Bankshares, Inc.

Provident Financial Holdings, Inc.

Bogota Financial Corp.

Finward Bancorp

HMN Financial, Inc.

Riverview Bancorp, Inc.

Territorial Bancorp, Inc.

Why is Cullman Bancorp, Inc. ?

Flat results in Jun 25

OPERATING CASH FLOW(Y) Lowest at USD 0 MM
INTEREST(9M) At USD 5.32 MM has Grown at 85.65%

With ROA of 0.82%, it has a fair valuation with a 0.79 Price to Book Value

Over the past year, while the stock has generated a return of 19.78%, its profits have risen by 4% ; the PEG ratio of the company is 5.2

Majority shareholders : Mutual Funds

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Cullman Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Cullman Bancorp, Inc. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Cullman Bancorp, Inc.

22.7%

0.86

16.92%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.47%

EBIT Growth (5y)

1.38%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

23.01%

Pledged Shares

Institutional Holding

13.37%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.79

EV to EBIT

23.21

EV to EBITDA

23.21

EV to Capital Employed

0.83

EV to Sales

4.82

PEG Ratio

5.21

Dividend Yield

ROCE (Latest)

3.59%

ROE (Latest)

3.67%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

Bearish

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

10What is working for the Company

NET SALES(HY)

At USD 11.22 MM has Grown at 120.89%

CASH AND EQV(HY)

Highest at USD 10.56 MM

-8What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 0 MM

INTEREST(9M)

At USD 5.32 MM has Grown at 85.65%

Here's what is working for Cullman Bancorp, Inc.

Net Sales

At USD 11.22 MM has Grown at 120.89%

Year on Year (YoY)

MOJO Watch

Sales trend is very positive

Net Sales (USD MM)

Cash and Eqv

Highest at USD 10.56 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Cullman Bancorp, Inc.

Interest

At USD 5.32 MM has Grown at 85.65%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Cash Flow

Lowest at USD 0 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)