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Fundamental analysis: Cullman Bancorp, Inc. (CULL)

Awarener score: 7.0

Conclusion

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 6.5

• Business has been growing at a good pace. It's been great when measured against peer companies.
• Cullman Bancorp, Inc. business trend stability is run-of-the-mill. The higher the stability, the lower the risk. It looks slightly worse than rivals.

Margins score: 9.7

• CULL profit margins -on goods and services sold- are usually huge. They stand well ranked against rival companies.
• Business profit on sales tends to be huge. It's top tier when measured against competitors.
• Profits on sales made -available to repay debt and purchase properties- are usually huge. They remain rather normal in relation to peers.
• Earnings -before income taxes and interests on loans taken- tend to be huge in relation to total revenues. They're still somewhat better than similar companies.
• Profits -before income taxes- are usually excellent considering total sales, and remain weak when measured against rivals.
• Total net profit tends to be excellent when confronted to sales. Company stands substantially worse when measured against comparable firms.

Growth score: 7.6

• Cullman Bancorp, Inc. profit -on goods and services sold- has been growing at a normal pace. It's been close to average when compared to competitors.
• In recent years, earnings -on operations- have been growing at a good step, which has been mediocre against comparable firms.
• Profits -available to repay debt and purchase properties- have been growing at a very good pace, which compares top tier when measured against peer enterprises.
• Earnings -before income taxes and interests on loans taken- have been growing at a very good tempo. It turns to be impressive in relation to similar stocks.
• In past years, profits -before income taxes- grew at a very good speed. It was better than most rivals.
• In the previous years, growth trend on total net profit has been very good, and great when measured against peer companies.
• Earnings per share have grown at a very good rhythm in past years. It's been impressive in relation to industry peers.

Miscellaneous score: 4.0

• CULL had to pay substantial income taxes in relation to profits made in the past years. It's been mediocre against peers.
• The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
• We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 6.0

• Cullman Bancorp, Inc. usually gets sufficient returns on the resources it controls. It proves more than average in relation to peer firms.
• The company normally gets sufficient proceeds -on the resources directly invested in the business-. They remain a disappointment compared to similar companies.
• There's usually some profitability -in relation to owned resources-. It ranks substantially worse when measured against competitors.
• In the past, got sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's more than average in relation to comparable enterprises.

Usage of Funds score: 6.9

• CULL usually uses a portion of genuine funds generated to buy or replace property, plant, or equipment. The need for reinvestments is rather normal. It stands more than average in relation to rival firms.
• The company is usually largely investing in new property, plant, and equipment, to expand its operating capabilities, which is great when measured against industry peers.
• In the past twelve months it paid some dividends, considering the current stock price. It came somewhat worse than competitors.
• Has significantly increased dividend payments in the past years. Business prospects probably have improved. The company has behaved in good shape compared to similar firms.
• Dividend payments usually represent a modest portion of genuine funds generation and shouldn't be at risk. Sustainability looks worse than most comparable companies.
• The company barely enlarges the pool of investors, resulting in slightly more mouths feeding on the pie of profits. It remains close to average when compared to peer enterprises.
• Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands close to average when compared to rivals.
• The company uses a low portion of genuine fund generation to reward investors, which can most likely be sustained. It still looks weak when measured against competitors.

Balance Sheet score: 7.3

• Cullman Bancorp, Inc. has no intangible assets (like brands and goodwill) according to accounting books, which is safest. It happens to be top tier when measured against peer companies.
• The company has plenty short-term resources to face short-term obligations. There're no liquidity concerns. It turns to be excellent in relation to similar firms.
• Very few resources controlled were provided for with financial debt. Financial strength is very solid. Company could increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains slightly worse than rival firms.
• Controlled resources might be only very slowly turned into cash and equivalents, which is riskier. It looks substantially worse when measured against rivals.
• For every dollar of short-term obligations, the company has plenty of dollars in cash and short-term receivables. It's excellent in relation to peer firms.
• For every dollar of short-term obligations, the company has plenty of dollars in cash and equivalents, which is better than most similar enterprises.
• Usually, sales are on a month credit. It still ranks encouraging in relation to peers.
• Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
• We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
• Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
• Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
• Company earns net interest income on its investments and therefore is in a quite comfortable financial position. It stands top-notch against rival firms.
• Business earnings have usually been quite good when measured against loans taken. Cutting back reinvesting in the business, it could take around three years to repay the obligations with current profitability. It ranks similar to comparable enterprises.
• Revenues are low in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. The more property, plant, and equipment used, the more the company must reinvest to fight obsolescence, which usually means less available funds for the shareholders in the long run. It looks in a very weak position compared to similar firms.
• Resources exploitation is virtually zero, as the firm hardly reports any sales. It's still well ranked against peer companies.

Valuation score: 7.1

• Cullman Bancorp, Inc. looks reasonable in relation to profits and financial position. It happens to be weak when measured against competitors.
• Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains in good shape compared to peers.
• In the past twelve months, the company generated some good free funds in relation to the stock price, which stands mediocre against similar companies.
• The company usually generates more than enough genuine funds to cover up for its business needs. Surplus cash may be used to repay loans, to eventually buy new businesses, or to reward investors. Considering the financial position and stock price, at the current price the share might be interesting. It's still encouraging in relation to industry firms.
• In the past twelve months, the company has enlarged the pool of investors by issuing new shares. Future profits need to be high enough to justify the measure, as the pie of earnings will now be split among somewhat more stockholders. It came up in a very weak position compared to peer ventures.
• The company has substantial more cash than debt. It might be poised to increase stockholder payments, or to fund new business projects. It looks slightly worse than similar enterprises.
• Considering the past twelve months, traditional Price-to-Earnings relation is somewhat high. Improvement expectations are already in the stock price, which presents some risks. It ranks substantially worse when measured against peer companies.
• Comparing the current stock price with the past twelve-months revenues gives a very high relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks in a very weak position compared to rival firms.
• The relation between the stock price and accounting book value might be more than reasonable. It's important both to check this metric through time and to compare it with rival companies. The company remains somewhat better than peer firms.
• In the past twelve months, the operating business earned great money when compared to the current stock price and financial position. It happens to be weak when measured against industry peers.
• In an alternate metric of bang for the buck, the company has usually shown an excellent earnings power ability when measured against the current stock price and financial position. Further analysis is recommended, as the stock might currently be undervalued. It's still in a very weak position compared to peer companies.

Total score: 6.9

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Awarener score: 7.0

Conclusion

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