ScoreWhy is Cullman Bancorp, Inc. ?
1
Positive results in Sep 25
- NII(Q) Highest at USD 4.1 MM
- CASH AND EQV(HY) Highest at USD 9.3 MM
- NET SALES(Q) Highest at USD 5.92 MM
2
With ROA of 0.86%, it has a fair valuation with a 0.95 Price to Book Value
- Over the past year, while the stock has generated a return of 30.94%, its profits have risen by 19% ; the PEG ratio of the company is 1.2
3
Majority shareholders : Mutual Funds
4
Market Beating Performance
- The stock has generated a return of 30.94% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow 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, High Return
Absolute
Risk Adjusted
Volatility
Cullman Bancorp, Inc.
30.94%
1.72
17.25%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.96%
EBIT Growth (5y)
2.81%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
23.01%
Pledged Shares
0
Institutional Holding
12.89%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
23
Industry P/E
Price to Book Value
0.95
EV to EBIT
22.26
EV to EBITDA
22.26
EV to Capital Employed
0.96
EV to Sales
4.84
PEG Ratio
1.21
Dividend Yield
NA
ROCE (Latest)
4.29%
ROE (Latest)
4.12%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 4.1 MM
CASH AND EQV(HY)
Highest at USD 9.3 MM
NET SALES(Q)
Highest at USD 5.92 MM
OPERATING PROFIT(Q)
Highest at USD 1.45 MM
PRE-TAX PROFIT(Q)
Highest at USD 1.45 MM
NET PROFIT(Q)
Highest at USD 1.16 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 0 MM
Here's what is working for Cullman Bancorp, Inc.
NII
Highest at USD 4.1 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 5.92 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 1.45 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 1.45 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 1.16 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 9.3 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Cullman Bancorp, Inc.
Operating Cash Flow
Lowest at USD 0 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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