Cullman Bancorp Net Income
| CULL Stock | USD 12.50 0.05 0.40% |
As of the 15th of February 2026, Cullman Bancorp shows the Mean Deviation of 0.9298, risk adjusted performance of 0.1096, and Downside Deviation of 1.68. Cullman Bancorp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Cullman Bancorp downside deviation, jensen alpha, as well as the relationship between the Jensen Alpha and downside variance to decide if Cullman Bancorp is priced correctly, providing market reflects its regular price of 12.5 per share. Given that Cullman Bancorp has jensen alpha of 0.1736, we suggest you to validate Cullman Bancorp's prevailing market performance to make sure the company can sustain itself at a future point.
Cullman Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 7.2437 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 3.9 M | 2.5 M | |
| Net Income From Continuing Ops | 4.7 M | 2.9 M | |
| Net Income Applicable To Common Shares | 4.8 M | 2.9 M | |
| Net Income Per Share | 0.47 | 0.49 | |
| Net Income Per E B T | 0.70 | 0.54 |
Cullman | Net Income | Build AI portfolio with Cullman Stock |
Historical Net Income data for Cullman Bancorp serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether Cullman Bancorp represents a compelling investment opportunity.
Latest Cullman Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of Cullman Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Cullman Bancorp financial statement analysis. It represents the amount of money remaining after all of Cullman Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Cullman Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Cullman Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 3.42 M | 10 Years Trend |
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Net Income |
| Timeline |
Cullman Net Income Regression Statistics
| Arithmetic Mean | 2,793,657 | |
| Geometric Mean | 2,558,320 | |
| Coefficient Of Variation | 35.94 | |
| Mean Deviation | 829,306 | |
| Median | 2,677,462 | |
| Standard Deviation | 1,004,092 | |
| Sample Variance | 1T | |
| Range | 3.6M | |
| R-Value | 0.71 | |
| Mean Square Error | 530.1B | |
| R-Squared | 0.51 | |
| Significance | 0 | |
| Slope | 141,595 | |
| Total Sum of Squares | 16.1T |
Cullman Net Income History
Other Fundumenentals of Cullman Bancorp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Cullman Bancorp Net Income component correlations
Cullman Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Cullman Bancorp is extremely important. It helps to project a fair market value of Cullman Stock properly, considering its historical fundamentals such as Net Income. Since Cullman Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Cullman Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Cullman Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Cullman Bancorp. Projected growth potential of Cullman fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Cullman Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.23 | Earnings Share 0.5 | Revenue Per Share | Quarterly Revenue Growth 0.018 | Return On Assets |
The market value of Cullman Bancorp is measured differently than its book value, which is the value of Cullman that is recorded on the company's balance sheet. Investors also form their own opinion of Cullman Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Cullman Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Cullman Bancorp's market value can be influenced by many factors that don't directly affect Cullman Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Cullman Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Cullman Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Cullman Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Cullman Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Cullman Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Cullman Bancorp.
| 11/17/2025 |
| 02/15/2026 |
If you would invest 0.00 in Cullman Bancorp on November 17, 2025 and sell it all today you would earn a total of 0.00 from holding Cullman Bancorp or generate 0.0% return on investment in Cullman Bancorp over 90 days. Cullman Bancorp is related to or competes with Marine Bancorp, Neffs Bancorp, New Tripoli, Madison County, Delhi Bank, Citizens Bancorp, and Citizens Bancshares. Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products an... More
Cullman Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Cullman Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Cullman Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.68 | |||
| Information Ratio | 0.0807 | |||
| Maximum Drawdown | 6.4 | |||
| Value At Risk | (1.98) | |||
| Potential Upside | 2.55 |
Cullman Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Cullman Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Cullman Bancorp's standard deviation. In reality, there are many statistical measures that can use Cullman Bancorp historical prices to predict the future Cullman Bancorp's volatility.| Risk Adjusted Performance | 0.1096 | |||
| Jensen Alpha | 0.1736 | |||
| Total Risk Alpha | 0.0689 | |||
| Sortino Ratio | 0.0673 | |||
| Treynor Ratio | (15.72) |
Cullman Bancorp February 15, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1096 | |||
| Market Risk Adjusted Performance | (15.71) | |||
| Mean Deviation | 0.9298 | |||
| Semi Deviation | 1.05 | |||
| Downside Deviation | 1.68 | |||
| Coefficient Of Variation | 765.53 | |||
| Standard Deviation | 1.4 | |||
| Variance | 1.96 | |||
| Information Ratio | 0.0807 | |||
| Jensen Alpha | 0.1736 | |||
| Total Risk Alpha | 0.0689 | |||
| Sortino Ratio | 0.0673 | |||
| Treynor Ratio | (15.72) | |||
| Maximum Drawdown | 6.4 | |||
| Value At Risk | (1.98) | |||
| Potential Upside | 2.55 | |||
| Downside Variance | 2.82 | |||
| Semi Variance | 1.11 | |||
| Expected Short fall | (1.32) | |||
| Skewness | 0.151 | |||
| Kurtosis | 2.17 |
Cullman Bancorp Backtested Returns
As of now, Cullman Stock is not too volatile. Cullman Bancorp secures Sharpe Ratio (or Efficiency) of 0.13, which signifies that the company had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Cullman Bancorp, which you can use to evaluate the volatility of the firm. Please confirm Cullman Bancorp's Risk Adjusted Performance of 0.1096, mean deviation of 0.9298, and Downside Deviation of 1.68 to double-check if the risk estimate we provide is consistent with the expected return of 0.19%. Cullman Bancorp has a performance score of 10 on a scale of 0 to 100. The firm shows a Beta (market volatility) of -0.011, which signifies not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Cullman Bancorp are expected to decrease at a much lower rate. During the bear market, Cullman Bancorp is likely to outperform the market. Cullman Bancorp right now shows a risk of 1.46%. Please confirm Cullman Bancorp downside variance, and the relationship between the sortino ratio and accumulation distribution , to decide if Cullman Bancorp will be following its price patterns.
Auto-correlation | 0.35 |
Below average predictability
Cullman Bancorp has below average predictability. Overlapping area represents the amount of predictability between Cullman Bancorp time series from 17th of November 2025 to 1st of January 2026 and 1st of January 2026 to 15th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Cullman Bancorp price movement. The serial correlation of 0.35 indicates that nearly 35.0% of current Cullman Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.35 | |
| Spearman Rank Test | 0.57 | |
| Residual Average | 0.0 | |
| Price Variance | 0.06 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Cullman Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Cullman Bancorp reported net income of 3.42 M. This is 99.73% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.4% higher than that of the company.
Cullman Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Cullman Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Cullman Bancorp could also be used in its relative valuation, which is a method of valuing Cullman Bancorp by comparing valuation metrics of similar companies.Cullman Bancorp is currently under evaluation in net income category among its peers.
Cullman Bancorp Current Valuation Drivers
We derive many important indicators used in calculating different scores of Cullman Bancorp from analyzing Cullman Bancorp's financial statements. These drivers represent accounts that assess Cullman Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Cullman Bancorp's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 84.2M | 79.8M | 77.8M | 62.4M | 56.1M | 37.1M | |
| Enterprise Value | 100.5M | 98.4M | 108.5M | 107.4M | 96.6M | 70.1M |
Cullman Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Cullman Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Cullman Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Cullman Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in Cullman Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Cullman Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Cullman Bancorp's value.| Shares | Stilwell Value Llc | 2024-12-31 | 0.0 |
Cullman Fundamentals
| Return On Equity | 0.0364 | ||||
| Return On Asset | 0.0086 | ||||
| Profit Margin | 0.23 % | ||||
| Operating Margin | 0.33 % | ||||
| Current Valuation | 104.76 M | ||||
| Shares Outstanding | 5.98 M | ||||
| Number Of Shares Shorted | 3.83 K | ||||
| Price To Earning | 7.56 X | ||||
| Price To Book | 0.75 X | ||||
| Price To Sales | 4.42 X | ||||
| Revenue | 23.23 M | ||||
| Gross Profit | 17.37 M | ||||
| EBITDA | 4.38 M | ||||
| Net Income | 3.42 M | ||||
| Cash And Equivalents | 24.78 M | ||||
| Cash Per Share | 3.35 X | ||||
| Total Debt | 45 M | ||||
| Book Value Per Share | 15.40 X | ||||
| Cash Flow From Operations | 6.3 M | ||||
| Short Ratio | 1.33 X | ||||
| Earnings Per Share | 0.50 X | ||||
| Beta | 0.15 | ||||
| Market Capitalization | 76.87 M | ||||
| Total Asset | 433.01 M | ||||
| Retained Earnings | 61.98 M | ||||
| Annual Yield | 0.01 % | ||||
| Net Asset | 433.01 M |
About Cullman Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Cullman Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Cullman Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Cullman Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Cullman Bancorp. Projected growth potential of Cullman fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Cullman Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.23 | Earnings Share 0.5 | Revenue Per Share | Quarterly Revenue Growth 0.018 | Return On Assets |
The market value of Cullman Bancorp is measured differently than its book value, which is the value of Cullman that is recorded on the company's balance sheet. Investors also form their own opinion of Cullman Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Cullman Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Cullman Bancorp's market value can be influenced by many factors that don't directly affect Cullman Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Cullman Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Cullman Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Cullman Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.