Cullman Bancorp(CULL)
$17.40+0.13 (+0.75%)
CULL
Cullman Bancorp financials statements
$17.40
At close:+0.13 (+0.75%)
Cullman Bancorp (CULL) Ratios
4 Followers
Cullman Bancorp Ratios
CULL's free cash flow for Q2 2026 was $0.00. For the 2026 fiscal year, CULL's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.07 | 0.19 | 202.08 | 0.13 | 0.10 |
| Quick Ratio | 0.07 | 0.19 | 202.08 | 0.13 | 0.10 |
| Cash Ratio | 0.01 | 0.03 | 18.35 | 0.02 | 0.01 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.06 | 24.52 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 1.26 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -319.85M | $ -312.18M | $ -261.61M | $ -285.67M | $ -230.67M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.10 | 0.10 | 0.09 | 0.06 | 0.05 |
| Debt-to-Equity Ratio | 0.47 | 0.45 | 0.34 | 0.25 | 0.19 |
| Debt-to-Capital Ratio | 0.32 | 0.31 | 0.26 | 0.20 | 0.16 |
| Long-Term Debt-to-Capital Ratio | 0.32 | 0.29 | 0.26 | 0.20 | 0.16 |
| Financial Leverage Ratio | 4.52 | 4.32 | 4.05 | 4.22 | 3.56 |
| Debt Service Coverage Ratio | 0.69 | 0.29 | 1.03 | 3.31 | 1.24 |
| Interest Coverage Ratio | 0.73 | 0.63 | 1.18 | 3.87 | 1.17 |
| Debt to Market Cap | 0.62 | 0.72 | 0.45 | 0.31 | 0.22 |
| Interest Debt Per Share | 8.89 | 7.97 | 5.43 | 3.80 | 2.96 |
| Net Debt to EBITDA | 7.13 | 9.58 | 5.55 | 3.31 | 6.34 |
| Profitability Margins | |||||
| Gross Profit Margin | 71.44% | 71.82% | 78.41% | 90.10% | 87.59% |
| EBIT Margin | 20.68% | 18.84% | 23.86% | 29.01% | 14.07% |
| EBITDA Margin | 23.79% | 18.84% | 26.07% | 30.85% | 17.25% |
| Operating Profit Margin | 20.68% | 18.84% | 23.86% | 29.01% | 14.07% |
| Pretax Profit Margin | 20.68% | 18.84% | 23.86% | 29.01% | 14.07% |
| Net Profit Margin | 16.33% | 14.71% | 18.67% | 22.96% | 11.76% |
| Continuous Operations Profit Margin | 16.33% | 15.10% | 18.67% | 22.96% | 11.76% |
| Net Income Per EBT | 78.94% | 78.11% | 78.28% | 79.16% | 83.57% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.93% | 0.79% | 0.96% | 0.99% | 0.49% |
| Return on Equity (ROE) | 4.21% | 3.41% | 3.89% | 4.18% | 1.75% |
| Return on Capital Employed (ROCE) | 3.44% | 1.35% | 1.23% | 4.06% | 1.71% |
| Return on Invested Capital (ROIC) | 2.72% | 1.09% | 0.89% | 3.21% | 1.43% |
| Return on Tangible Assets | 0.93% | 0.79% | 0.96% | 0.99% | 0.49% |
| Earnings Yield | 5.53% | 5.48% | 5.08% | 5.24% | 2.08% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.97 | 17.36 | 16.80 | 15.68 | 19.20 |
| Payables Turnover | 15.72 | 16.96 | 19.13 | 11.63 | 30.77 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 1.49 | 1.35 | 1.52 | 1.68 | 1.57 |
| Asset Turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.14 | -1.15 | -0.20 | -0.08 | -0.07 |
| Cash Conversion Cycle | -0.36 | -0.50 | 2.64 | -8.09 | 7.15 |
| Days of Sales Outstanding | 22.85 | 21.02 | 21.73 | 23.28 | 19.01 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 23.21 | 21.52 | 19.08 | 31.38 | 11.86 |
| Operating Cycle | 22.85 | 21.02 | 21.73 | 23.28 | 19.01 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.01 | 0.97 | 0.81 | 0.83 | 0.74 |
| Free Cash Flow Per Share | 0.97 | 0.38 | 0.31 | 0.58 | 0.55 |
| Dividend Paid and CapEx Coverage Ratio | 5.77 | 1.34 | 1.30 | 2.19 | 2.36 |
| Capital Expenditure Coverage Ratio | 27.41 | 1.64 | 1.61 | 3.31 | 3.91 |
| Operating Cash Flow Coverage Ratio | 0.13 | 0.14 | 0.17 | 0.23 | 0.28 |
| Operating Cash Flow to Sales Ratio | 0.24 | 0.27 | 0.28 | 0.32 | 0.34 |
| Free Cash Flow Yield | 7.80% | 3.96% | 2.87% | 5.04% | 4.51% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 18.38 | 18.25 | 19.69 | 19.08 | 48.11 |
| Price-to-Sales (P/S) Ratio | 2.95 | 2.69 | 3.68 | 4.38 | 5.66 |
| Price-to-Book (P/B) Ratio | 0.76 | 0.62 | 0.77 | 0.80 | 0.84 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.82 | 25.28 | 34.89 | 19.83 | 22.15 |
| Price-to-Operating Cash Flow Ratio | 12.35 | 9.90 | 13.28 | 13.84 | 16.49 |
| Price-to-Earnings Growth (PEG) Ratio | 0.60 | -2.56 | -3.87 | 0.14 | -0.91 |
| Enterprise Value Multiple | 19.54 | 23.83 | 19.65 | 17.51 | 39.14 |
| Enterprise Value | 115.18M | 104.29M | 108.46M | 98.39M | 100.48M |
| EV to EBITDA | 19.54 | 23.83 | 19.65 | 17.51 | 39.14 |
| EV to Sales | 4.65 | 4.49 | 5.12 | 5.40 | 6.75 |
| EV to Free Cash Flow | 20.19 | 42.26 | 48.61 | 24.44 | 26.44 |
| EV to Operating Cash Flow | 19.45 | 16.54 | 18.50 | 17.06 | 19.68 |
| Tangible Book Value Per Share | 16.43 | 15.38 | 14.08 | 14.42 | 14.55 |
| Shareholders’ Equity Per Share | 16.43 | 15.38 | 14.08 | 14.42 | 14.55 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.20 | 0.22 | 0.21 | 0.16 |
| Revenue Per Share | 4.23 | 3.56 | 2.93 | 2.62 | 2.17 |
| Net Income Per Share | 0.69 | 0.52 | 0.55 | 0.60 | 0.26 |
| Tax Burden | 0.79 | 0.78 | 0.78 | 0.79 | 0.84 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.35 | 0.37 | 0.38 | 0.48 | 0.43 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.05 | 0.06 | 0.05 |
| Income Quality | 1.49 | 1.84 | 1.48 | 1.38 | 2.92 |
Currency in USD
