Cullman Bancorp, Inc. (CULL)

Cullman Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	77	70	62	75	85	91
Market Cap Growth	23.06%	13.09%	-17.18%	-11.90%	-6.43%	80.69%
Last Close Price	14.00	12.38	9.36	10.42	11.01	11.65
PE Ratio	20.90	17.72	18.17	19.21	20.61	52.45
PS Ratio	4.33	3.95	3.72	4.55	5.21	7.00
PB Ratio	0.80	0.73	0.62	0.74	0.85	0.91
P/FCF Ratio	13.52	12.31	25.16	33.60	21.14	23.19
P/OCF Ratio	13.03	11.86	9.85	12.79	14.75	17.40
Debt / Equity Ratio	0.47	0.47	0.45	0.35	0.25	0.19
Debt / FCF Ratio	7.92	7.92	18.24	15.71	6.21	4.72
Net Debt / Equity Ratio	0.29	0.29	0.26	0.22	-0.12	-0.44
Net Debt / FCF Ratio	4.93	4.93	10.45	9.87	-2.89	-11.08
Return on Equity (ROE)	4.12%	4.12%	3.47%	3.91%	4.18%	2.23%
Return on Assets (ROA)	0.93%	0.93%	0.83%	0.95%	1.07%	0.51%
Earnings Yield	5.14%	5.76%	5.65%	5.27%	4.92%	1.92%
FCF Yield	7.40%	8.12%	3.98%	2.98%	4.73%	4.31%
Dividend Yield	0.86%	0.97%	1.28%	1.15%	1.09%	1.03%
Payout Ratio	20.02%	20.03%	24.98%	22.41%	21.25%	48.97%
Buyback Yield / Dilution	9.60%	9.60%	8.73%	-2.46%	-0.58%	-4.16%
Total Shareholder Return	10.46%	10.57%	10.01%	-1.31%	0.51%	-3.13%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.