Why is Cullman Bancorp, Inc. ?
1
Flat results in Mar 26
- OPERATING PROFIT(Q) Lowest at USD 0.82 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 13.75 %
- PRE-TAX PROFIT(Q) Lowest at USD 0.82 MM
How much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Cullman Bancorp, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Cullman Bancorp, Inc.
36.77%
1.86
18.60%
S&P 500
25.41%
1.92
13.25%
Quality key factors
Factor
Value
Sales Growth (5y)
10.25%
EBIT Growth (5y)
2.86%
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
17.93%
Pledged Shares
0
Institutional Holding
16.26%
ROCE (avg)
0
ROE (avg)
0
Valuation Key Factors 
Factor
Value
P/E Ratio
23
Industry P/E
Price to Book Value
0.97
EV to EBIT
22.97
EV to EBITDA
22.97
EV to Capital Employed
0.98
EV to Sales
5.11
PEG Ratio
0.57
Dividend Yield
NA
ROCE (Latest)
4.25%
ROE (Latest)
4.21%
Technical 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
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Movement
6What is working for the Company
NII(Q)
Highest at USD 4.28 MM
NET SALES(Q)
Highest at USD 5.98 MM
-8What is not working for the Company
OPERATING PROFIT(Q)
Lowest at USD 0.82 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 13.75 %
PRE-TAX PROFIT(Q)
Lowest at USD 0.82 MM
NET PROFIT(Q)
Lowest at USD 0.65 MM
Here's what is working for Cullman Bancorp, Inc.
NII
Highest at USD 4.28 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 5.98 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Here's what is not working for Cullman Bancorp, Inc.
Pre-Tax Profit
At USD 0.82 MM has Fallen at -35.96%
over average net sales of the previous four periods of USD 1.28 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 0.65 MM has Fallen at -36.05%
over average net sales of the previous four periods of USD 1.01 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Profit
Lowest at USD 0.82 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 13.75 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 0.82 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 0.65 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)






