Cullman Bancorp Inc. Net Assets
Cullman Bancorp Inc. net assets. Based on the latest financial reports, Cullman Bancorp Inc. (CULL) has net assets worth $94.35 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($462.13 Million) and total liabilities ($367.78 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore Cullman Bancorp Inc. equity growth rate to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $94.35 Million |
| % of Total Assets | 20.42% |
| Annual Growth Rate | 7.52% |
| 5-Year Change | -3.59% |
| 10-Year Change | 163.33% |
| Growth Volatility | 23.25 |
Net Assets of Cullman Bancorp Inc. (2007–2025)
Net assets of Cullman Bancorp Inc. from 2007 to 2025. This chart illustrates how Cullman Bancorp Inc.'s net assets have evolved over time, based on quarterly financial data. See CULL net asset quality index to measure how much of total assets are equity-financed.
Annual Net Assets for Cullman Bancorp Inc. (2007–2025)
The table below shows the annual net assets of Cullman Bancorp Inc. from 2007 to 2025. For live market cap and overall valuation, see Cullman Bancorp Inc. market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $96.15 Million | -4.09% |
| 2024-12-31 | $100.25 Million | -1.46% |
| 2023-12-31 | $101.73 Million | +1.55% |
| 2022-12-31 | $100.18 Million | +0.45% |
| 2021-12-31 | $99.73 Million | +75.36% |
| 2020-12-31 | $56.88 Million | +6.52% |
| 2019-12-31 | $53.40 Million | +32.19% |
| 2011-12-31 | $40.39 Million | +5.55% |
| 2010-12-31 | $38.27 Million | +4.81% |
| 2009-12-31 | $36.51 Million | +38.08% |
| 2008-12-31 | $26.45 Million | +1.38% |
| 2007-12-31 | $26.08 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Cullman Bancorp Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 148.8% over the analyzed period, indicating profitable operations and earnings retention.
Cullman Bancorp Inc. Net Assets Breakdown (December 2025)
Cullman Bancorp Inc. net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $65.21 Million | 67.82% |
| Common Stock | $57.00K | 0.06% |
| Other Comprehensive Income | $-4.44 Million | -4.61% |
| Other Components | $35.32 Million | 36.74% |
| Total Equity | $96.15 Million | 100.00% |
Cullman Bancorp Inc. Competitors by Market Cap
The table below lists competitors of Cullman Bancorp Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ITEK Inc
KQ:119830
|
$82.50 Million |
|
Vow ASA
OL:VOW
|
$82.51 Million |
|
ESTec Corporation
KQ:069510
|
$82.53 Million |
|
Oroco Resource Corp
V:OCO
|
$82.53 Million |
|
Kyungdong City Gas Co Ltd
KO:267290
|
$82.43 Million |
|
Celxpert Energy
TWO:3323
|
$82.36 Million |
|
Surf Air Mobility Inc.
NYSE:SRFM
|
$82.36 Million |
|
Renergen Ltd
AU:RLT
|
$82.34 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Cullman Bancorp Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 100,249,000 to 96,153,000, a change of -4,096,000 (-4.1%).
- Net income of 4,045,000 contributed positively to equity growth.
- Dividend payments of 810,000 reduced retained earnings.
- Share repurchases of 9,410,000 reduced equity.
- Other comprehensive income increased equity by 1,181,001.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $4.04 Million | +4.21% |
| Dividends Paid | $810.00K | -0.84% |
| Share Repurchases | $9.41 Million | -9.79% |
| Other Comprehensive Income | $1.18 Million | +1.23% |
| Other Changes | $898.00K | +0.93% |
| Total Change | $- | -4.09% |
Book Value vs Market Value Analysis
This analysis compares Cullman Bancorp Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.05x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.67x to 1.05x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2007-12-31 | $3.65 | $17.05 | x |
| 2008-12-31 | $3.70 | $17.05 | x |
| 2009-12-31 | $5.32 | $17.05 | x |
| 2010-12-31 | $5.56 | $17.05 | x |
| 2011-12-31 | $5.82 | $17.05 | x |
| 2019-12-31 | $20.82 | $17.05 | x |
| 2020-12-31 | $8.43 | $17.05 | x |
| 2021-12-31 | $14.55 | $17.05 | x |
| 2022-12-31 | $14.30 | $17.05 | x |
| 2023-12-31 | $14.17 | $17.05 | x |
| 2024-12-31 | $15.30 | $17.05 | x |
| 2025-12-31 | $16.23 | $17.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Cullman Bancorp Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.21%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.33%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 4.52x
- Recent ROE (4.21%) is above the historical average (3.81%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2007 | 2.11% | 4.55% | 0.06x | 7.82x | $-2.06 Million |
| 2008 | 1.12% | 2.16% | 0.06x | 8.22x | $-2.35 Million |
| 2009 | 1.59% | 4.44% | 0.06x | 5.88x | $-3.07 Million |
| 2010 | 5.36% | 15.64% | 0.06x | 5.85x | $-1.77 Million |
| 2011 | 4.92% | 15.83% | 0.06x | 5.52x | $-2.05 Million |
| 2019 | 7.00% | 23.66% | 0.05x | 5.58x | $-1.60 Million |
| 2020 | 6.23% | 22.70% | 0.05x | 5.83x | $-2.14 Million |
| 2021 | 1.75% | 11.76% | 0.04x | 3.56x | $-8.22 Million |
| 2022 | 4.18% | 22.96% | 0.04x | 4.22x | $-5.84 Million |
| 2023 | 3.89% | 18.67% | 0.05x | 4.05x | $-6.22 Million |
| 2024 | 3.41% | 14.71% | 0.05x | 4.32x | $-6.61 Million |
| 2025 | 4.21% | 16.33% | 0.06x | 4.52x | $-5.57 Million |
Industry Comparison
This section compares Cullman Bancorp Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Cullman Bancorp Inc. (CULL) | $94.35 Million | 2.11% | 3.90x | $82.47 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About Cullman Bancorp Inc.
Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various financial products and services in the United States. It offers personal and business checking accounts; personal savings accounts comprising kids club, Christmas club, certificates of deposits, and individual retirement accounts; business savings accounts; debit and credit cards; online banking, … Read more