Cullman Bancorp, Inc. /MD/
CULLOTCFinancials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $4.0M | $4.2M | $1.8M | $3.5M |
| Total assets | $411.6M | $423.2M | $354.7M | $331.4M |
| Total liabilities | $309.9M | $323.0M | $255.0M | $274.5M |
| Equity | $101.7M | $100.2M | $99.7M | $56.9M |
| EPS (diluted) | $0.54 | $0.59 | $0.25 | $0.52 |
| Shares out. | 7.4M | 7.4M | 7.4M | 7.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2023- Operating margin
- —
- Net margin
- —
- Return on equity
- 3.9%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 75.3%
- Debt / equity
- 3.05×
- Book value / share
- $13.78
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −5.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2023- Accruals / assets
- −0.5%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 23,227 | 2.8 | +1.0% |
| Apr 30, 2026 | 22,990 | 6.6 | -1.2% |
| Apr 15, 2026 | 23,263 | 13.8 | -2.8% |
| Mar 31, 2026 | 23,922 | 20.5 | -1.6% |
| Mar 13, 2026 | 24,322 | 16.5 | -0.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Delisting / listing-standard noticeJul 8, 2024
- Shareholder voteMay 23, 2024
- Other material eventJan 19, 2024
- Shareholder voteMay 18, 2023
- Other material eventJan 23, 2023
- Shareholder voteMay 19, 2022
- Other material eventJan 20, 2022
- Other material eventJul 16, 2021
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GCULLMAN BANCORP, INC. FORM 15Jul 29, 2024
- S-8 POSCULLMAN BANCORP, INC. POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STJul 18, 2024
- 25CULLMAN BANCORP, INC. FORM 25 JULY 18, 2024Jul 18, 2024
- 8-KCULLMAN BANCORP, INC. FORM 8-K JULY 8, 2024Jul 8, 2024
- 4FORM 4May 30, 2024
- 8-KCULLMAN BANCORP, INC. FORM 8-K MAY 21, 2024May 23, 2024
- 10-QMay 14, 2024
- ARSApr 17, 2024
- 10-KMar 22, 2024
- SC 13GSEC SCHEDULE 13GFeb 14, 2024
- SC 13GSEC SCHEDULE 13GFeb 14, 2024
- SC 13G/AAMENDMENT NO. 2Jan 26, 2024
- 8-KJan 19, 2024
- 4FORM 4Nov 17, 2023
- 10-QNov 14, 2023
Event-driven situations (1)
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