OTC · Financial Statements

Cullman Bancorp, Inc. (CULL) Financial Statements

$16.50 OTC: CULL Market Cap $94.83M

Cullman Bancorp, Inc. most recently reported annual revenue of $25.0M, net profit of $4.0M. Revenue grew at an average annual rate of 9.3% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Cullman Bancorp, Inc.: Revenue rose from $13.0M in 2016 to $25.0M in 2025, a change of +92.3% over 9 years; net profit was positive in 10 of 13 reported years; operating margin moved from 31.1% to 20.7%, a shift of -10.5 percentage points; the most recent year shows net profit of $4.0M.

Income Statement — 13 Years (USD millions)

Metric2009201020112016201720182019202020212022202320242025
Revenue———$13.0M$14.0M$15.0M$16.0M$16.0M$15.0M$18.0M$21.0M$23.0M$25.0M
Operating Expenses———$9.0M$10.0M$10.0M$11.0M$11.0M$13.0M$13.0M$16.0M$19.0M$20.0M
Operating Profit———$4.0M$4.0M$5.0M$5.0M$5.0M$2.0M$5.0M$5.0M$4.0M$5.0M
Operating Margin0.0%0.0%0.0%31.1%31.1%31.8%30.3%28.8%14.1%29.0%23.9%18.8%20.7%
Other Income———$0$0$0$0$0$0$0$0$0$0
Interest$0$0$0$0$0$0$0$3.0M$2.0M$1.0M$4.0M$7.0M$7.0M
Depreciation———$0$0$0$0$1.0M$0$0$0$1.0M$1.0M
Profit Before Tax———$4.0M$4.0M$5.0M$5.0M$5.0M$2.0M$5.0M$5.0M$4.0M$5.0M
Tax———$34.4M$40.9M$21.4M$21.4M$21.3M$16.4M$20.8M$21.7M$19.9M$21.1M
Net Profit———$3.0M$3.0M$4.0M$4.0M$4.0M$2.0M$4.0M$4.0M$3.0M$4.0M
EPS$0.00$0.00$0.00$1.07$1.01$1.50$1.46$0.52$0.25$0.59$0.54$0.52$0.67
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricJun '23Sep '23Dec '23Mar '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$5.0M$5.0M$5.0M$5.0M$6.0M$6.0M$6.0M$6.0M$6.0M$6.0M$6.0M$7.0M
Operating Expenses$4.0M$4.0M$4.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M$5.0M$6.0M$5.0M
Operating Profit$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M
Operating Margin24.9%25.3%18.4%16.4%23.6%20.5%18.3%18.9%22.8%22.5%12.8%20.4%
Interest$1.0M$1.0M$1.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M
Profit Before Tax$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M
Tax$22.1M$21.6M$16.8M$20.4M$21.4M$18.5M$20.5M$22.8M$20.0M$21.1M$21.2M$20.2M
Net Profit$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M
EPS$0.14$0.15$0.10$0.11$0.17$0.15$0.13$0.13$0.17$0.20$0.12$0.20

Over the 13 years reported for Cullman Bancorp, Inc., borrowings decreased from $52.0M in 2009 to $45.0M in 2025, cash stood at $3.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.07 times.

Balance Sheet — 13 Years (USD millions)

Metric2009201020112016201720182019202020212022202320242025
Total Assets$215.0M$224.0M$223.0M———$298.0M$331.0M$355.0M$423.0M$412.0M$433.0M$435.0M
Current Assets$3.0M$4.0M$3.0M———$6.0M$23.0M$24.0M$37.0M$48.0M$21.0M$19.0M
Cash$2.0M$2.0M$2.0M———$6.0M$3.0M$2.0M$6.0M$4.0M$3.0M$3.0M
Inventory$0$0$0———$0$0$0$0$0$0$0
Receivables$1.0M$1.0M$1.0M———$0$1.0M$1.0M$1.0M$1.0M$1.0M$2.0M
Fixed Assets$10.0M$11.0M$11.0M———$9.0M$9.0M$9.0M$11.0M$14.0M$17.0M$17.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0$0$0$0
Investments$18.0M$202.0M$194.0M$0$0$0$0$251.0M$273.0M$360.0M$57.0M$379.0M$400.0M
Other Assets$0$0$0———$0$0$0$0$0$0$0
Total Liabilities$178.0M$186.0M$183.0M———$245.0M$275.0M$255.0M$323.0M$310.0M$333.0M$338.0M
Current Liabilities$0$136.0M$138.0M———$0$217.0M$232.0M$293.0M$0$109.0M$286.0M
Borrowings$52.0M$48.0M$43.0M$0$0$0$52.0M$54.0M$19.0M$25.0M$35.0M$45.0M$45.0M
Other Liabilities$126.0M$138.0M$140.0M———$193.0M$221.0M$236.0M$298.0M$275.0M$288.0M$293.0M
Equity$0$0$0———$0$0$0$0$0$0$0
Reserves$37.0M$38.0M$40.0M———$53.0M$57.0M$100.0M$100.0M$102.0M$100.0M$96.0M

For Cullman Bancorp, Inc., operating cash flow was positive in 7 of 13 reported years; free cash flow in the latest year was $6.0M; free cash flow was positive in 7 of 13 years; financing activities used $4.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 13 Years (USD millions)

Metric2009201020112016201720182019202020212022202320242025
Operating Cash Flow———$0$0$0$4.0M$3.0M$5.0M$6.0M$6.0M$6.0M$6.0M
Investing Cash Flow———$0$0$0$-7.0M$21.0M$-24.0M$-99.0M$-16.0M$-19.0M$-3.0M
Financing Cash Flow———$0$0$0$0$28.0M$17.0M$61.0M$-27.0M$6.0M$-4.0M
Net Cash Flow———$0$0$0$6.0M$54.0M$2.0M$-25.0M$-24.0M$6.0M$-2.0M
Free Cash Flow$0$0$0$0$0$0$4.0M$3.0M$4.0M$4.0M$2.0M$2.0M$6.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.42
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y51.45%
Return 3Y58.61%
Return 5Y—

Cullman Bancorp, Inc. (CULL) financials — frequently asked questions

What is Cullman Bancorp, Inc.'s annual revenue?

Cullman Bancorp, Inc. (CULL) reported annual revenue of $25.0M in its most recent fiscal year.

What is Cullman Bancorp, Inc.'s net profit?

Cullman Bancorp, Inc. (CULL) reported net profit of $4.0M in its most recent fiscal year.

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