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Cullman Bancorp, Inc. (CULL)
USD16.90
+0.90 (+5.63%)
US OTC Financial Services Banks - Regional
Address
316 Second Avenue SW 35055
Cullman, AL, US
Cullman, AL, US
CEO
John A. Riley
Website
cullmansavingsbank.com
IPO
2009-10-12
CIK 1845799 ISIN US2301531081
Description
Cullman Bancorp, Inc. serves as the parent organization for Cullman Savings Bank, offering a comprehensive suite of financial products and services. Its deposit offerings include checking, savings, and individual retirement accounts (IRAs), alongside certificates of deposit (CDs). Additionally, the company provides diverse lending solutions, such as mortgages for one-to-four-family homes, commercial property loans, commercial and industrial financing, construction loans, multi-family real estate loans, and personal consumer loans. It also allocates capital to securities investments. The institution operates four branch locations: three within Cullman, Alabama, and one in Hanceville, Alabama. Established in 1887, its main corporate office is situated in Cullman, Alabama.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD16.90
+0.90 (+5.63%)
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Volume Profile
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Liquidity & share structure
Average Volume
2.4K
Beta
0.11
Float Shares
6.24M
Free Float %
108.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.00% | -1.62% | +4.48% | +14.86% | +27.85% | +21.20% | +47.09% | +41.99% | +29.49% | +81.22% | +322.01% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
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Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
16.90
DCF (Levered)
7.29
-56.9%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Quality scores
Altman Z-Score
0.44
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth+6.7% Q1'26: +8.0% (vs Q1'25)
-
EPS growth+28.9% Q1'26: -7.7% (vs Q1'25)
-
FCF margin— Q1'26: +2.0% (vs Q1'25)
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EBIT margin— Q1'26: +12.8% (vs Q1'25)
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ROIC— Q1'26: +1.8% (vs Q1'25)
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Share dilution-9.6% Q1'26: -18.6% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 16.73× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-26 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-22 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-21 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-20 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-19 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-18 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-15 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-14 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-11 | B | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 2/5 | 3/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-29 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 2/5 | 4/5 | 2/5 | 2/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
2.04M
OE per share TTM
0.31
Owner's Yield
2.44%
Maintenance CapEx ratio
180.03%
Maint CapEx / Avg PPE
55.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
3
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Employee Stock Ownership Plan Trust | 1.01M | 13.59% | 355.8K | 650.3K | 983.9K | — | EP | Alabama | 2022-02-09 | ↗ |
| 2 | 13-4064930 | 537.7K | 7.40% | 537.7K | — | 537.7K | — | IA | Delaware | 2024-02-14 | ↗ |
| 3 | John A. Riley, III | 392.6K | 5.29% | 367.6K | 25.0K | 367.6K | 10.00 | IN | United States of America | 2021-09-27 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
1
Sells
0
Shares acquired
3.5K
Shares disposed
—
Cash buys
1.00
Cash sales
—
Net activity
+3,500
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024-05-29 | Riley John A III | Director / Officer | P-Purchase | A | Common Stock | 3,500 | 10.36 | 36.3K | 237,311 | — | ↗ |
| 2023-11-16 | Riley John A III | Director / Officer | P-Purchase | A | Common Stock | 6,980 | 10.27 | 71.7K | 233,811 | — | ↗ |
| 2023-08-18 | Ugarkovich T aira | Officer | A-Award | A | Common Stock | 26,594 | 0.00 | — | 105,150 | — | ↗ |
| 2023-08-18 | Stephens Katrina I | Officer | A-Award | A | Common Stock | 17,729 | 0.00 | — | 58,183 | — | ↗ |
| 2023-08-18 | Riley John A III | Director / Officer | A-Award | A | Common Stock | 44,324 | 0.00 | — | 226,831 | — | ↗ |
| 2023-08-18 | Parson Robin | Director / Officer | A-Award | A | Common Stock | 8,875 | 0.00 | — | 107,476 | — | ↗ |
| 2023-08-18 | Morton Lynne | Director | A-Award | A | Common Stock | 8,864 | 0.00 | — | 64,482 | — | ↗ |
| 2023-08-18 | McClellan Nancy | Director | A-Award | A | Common Stock | 8,864 | 0.00 | — | 57,704 | — | ↗ |
| 2023-08-18 | Bussman Paul D | Director | A-Award | A | Common Stock | 8,864 | 0.00 | — | 40,227 | — | ↗ |
| 2023-08-18 | Burks Chad T | Director | A-Award | A | Common Stock | 8,864 | 0.00 | — | 46,648 | — | ↗ |
| 2023-08-18 | Barksdale Gregory T | Director | A-Award | A | Common Stock | 8,864 | 0.00 | — | 78,886 | — | ↗ |
| 2023-06-20 | Ugarkovich T aira | Officer | A-Award | A | Stock Options | 66,487 | 10.54 | 700.8K | 66,487 | — | ↗ |
| 2023-06-20 | Stephens Katrina I | Officer | A-Award | A | Stock Options | 44,324 | 10.54 | 467.2K | 44,324 | — | ↗ |
| 2023-06-20 | Riley John A III | Director / Officer | A-Award | A | Stock Options | 110,812 | 10.54 | 1.17M | 110,812 | — | ↗ |
| 2023-06-20 | Parson Robin | Director / Officer | A-Award | A | Stock Options | 22,168 | 10.54 | 233.7K | 22,168 | — | ↗ |
| 2023-06-20 | Morton Lynne | Director | A-Award | A | Stock Options | 22,162 | 10.54 | 233.6K | 22,162 | — | ↗ |
| 2023-06-20 | McClellan Nancy | Director | A-Award | A | Stock Options | 22,162 | 10.54 | 233.6K | 22,162 | — | ↗ |
| 2023-06-20 | Bussman Paul D | Director | A-Award | A | Stock Options | 22,162 | 10.54 | 233.6K | 22,162 | — | ↗ |
| 2023-06-20 | Burks Chad T | Director | A-Award | A | Stock Options | 22,162 | 10.54 | 233.6K | 22,162 | — | ↗ |
| 2023-06-20 | Barksdale Gregory T | Director | A-Award | A | Stock Options | 22,162 | 10.54 | 233.6K | 22,162 | — | ↗ |
| 2022-09-07 | Barksdale Gregory T | Director | L-Small | A | Common Stock | 514 | 11.46 | 5.9K | 1,676 | — | ↗ |
| 2022-08-29 | Barksdale Gregory T | Director | P-Purchase | A | Common Stock | 763 | 11.37 | 8.7K | 1,030 | — | ↗ |
| 2022-08-23 | Barksdale Gregory T | Director | P-Purchase | A | Common Stock | 267 | 11.49 | 3.1K | 267 | — | ↗ |
| 2022-05-27 | Riley John A III | Officer | P-Purchase | A | Common Stock | 8,000 | 11.10 | 88.8K | 182,507 | — | ↗ |
| 2021-12-17 | Riley John A III | Officer | P-Purchase | A | Common Stock | 649 | 12.70 | 8.2K | 172,404 | — | ↗ |
| 2021-12-15 | Riley John A III | Officer | P-Purchase | A | Common Stock | 1,001 | 12.46 | 12.5K | 171,428 | — | ↗ |
| 2021-07-15 | Morton Lynne | Director | P-Purchase | A | Common Stock | 41,322 | 11.48 | 474.4K | 55,618 | — | ↗ |
| 2021-07-14 | Ugarkovich T aira | Officer | — | D | Common Stock | 0 | 0.00 | — | 78,556 | — | ↗ |
| 2021-07-14 | Stephens Katrina I | Officer | — | D | Common Stock | 0 | 0.00 | — | 40,454 | — | ↗ |
| 2021-07-14 | Riley John A III | Officer | — | I | Common Stock | 0 | 0.00 | — | 25,000 | — | ↗ |
| 2021-07-14 | Parson Robin | Officer | — | I | Common Stock | 0 | 0.00 | — | 20,000 | — | ↗ |
| 2021-07-14 | Morton Lynne | Director | — | D | Common Stock | 0 | 0.00 | — | 12,073 | — | ↗ |
| 2021-07-14 | McClellan Nancy | Director | — | I | Common Stock | 0 | 0.00 | — | 400 | — | ↗ |
| 2021-07-14 | Bussman Paul D | Director | — | D | Common Stock | 0 | 0.00 | — | 31,363 | — | ↗ |
| 2021-07-14 | Burks Chad T | Director | — | D | Common Stock | 0 | 0.00 | — | 37,784 | — | ↗ |
| 2021-07-14 | Barksdale Gregory T | Director | — | D | Common Stock | 0 | 0.00 | — | 70,022 | — | ↗ |
Executive team
Top executives
EBIT / Employee
89.9K
Shares Outstanding
5.75M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2022 | John A. Riley, III, Chairman of the Board, President and Chief Executive Officer | 250.0K | 87.5K | — | — | — | 179.7K | 517.2K | 0.00% | ↗ |
| 2 | 2022 | Robin Parson, Executive Vice President | 156.3K | 46.9K | — | — | — | 135.8K | 339.0K | 0.00% | ↗ |
| 3 | 2022 | T’aira Ugarkovich, Executive Vice President and Chief Operating Officer | 145.0K | 43.5K | — | — | — | 99.3K | 287.8K | 0.00% | ↗ |
| 4 | 2021 | John A. Riley, III, Chairman of the Board, President and Chief Executive Officer | 250.0K | 75.0K | — | — | — | 200.1K | 525.1K | 0.00% | ↗ |
| 5 | 2021 | Robin Parson, Executive Vice President and Chief Operating Officer | 156.0K | 45.0K | — | — | — | 130.7K | 331.7K | 0.00% | ↗ |
| 6 | 2021 | Robin Parson, Executive Vice President | 156.0K | 45.0K | — | — | — | 130.7K | 331.7K | 0.00% | ↗ |
| 7 | 2021 | T’aira Ugarkovich, Executive Vice President and Chief Operating Officer | 140.0K | 67.0K | — | — | — | 91.6K | 298.6K | 0.00% | ↗ |
| 8 | 2021 | T’aira Ugarkovich, Executive Vice President | 140.0K | 67.0K | — | — | — | 91.6K | 298.6K | 0.00% | ↗ |
| 9 | 2020 | John A. Riley, III, Chairman of the Board, President and Chief Executive Officer | 250.0K | 75.0K | 560.0K | 135.0K | — | 108.8K | 1.13M | 61.57% | ↗ |
| 10 | 2020 | T’aira Ugarkovich, Executive Vice President | 125.0K | 37.5K | 336.0K | 81.0K | — | 40.3K | 619.8K | 67.28% | ↗ |
| 11 | 2020 | Robin Parson, Executive Vice President and Chief Operating Officer | 156.0K | 46.9K | 246.4K | 59.4K | — | 86.2K | 594.9K | 51.40% | ↗ |
CEO compensation breakdown
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| John A. Riley | Chairman, President & Chief Executive Officer | 487.4K | male |
| Robin S. Parson | Executive Vice President & Director | 329.3K | female |
| T'aira Ugarkovich | Chief Operating Officer | 302.2K | female |
| Katrina I. Stephens | Chief Financial Officer & Senior Vice President | — | female |
| Matthew Max Townson | Chief Lending Officer | — | male |
| Robin O'Berry | Senior Vice President & Company Secretary | — | female |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for CULL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
