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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Cullman Bancorp's accounts receivables for the quarter that ended in Jun. 2026 was $1.49 Mil.
Accounts receivable can be measured by Days Sales Outstanding.
Cullman Bancorp's Days Sales Outstanding for the quarter that ended in Jun. 2026 was 28.41.
In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Cullman Bancorp's Net-Net Working Capital per share for the quarter that ended in Jun. 2026 was $-59.09.
1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.
Cullman Bancorp's Days Sales Outstanding for the quarter that ended in Jun. 2026 is calculated as:
2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Cullman Bancorp's accounts receivable are only considered to be worth 75% of book value:
Cullman Bancorp's Net-Net Working Capital Per Share for the quarter that ended in Jun. 2026 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.
If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.
Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.
Cullman Bancorp Accounts Receivable Related Terms
Cullman Bancorp Accounts Receivable Historical Data
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The historical data trend for Cullman Bancorp's Accounts Receivable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Accounts Receivable of $1.49 Mil mean?
Cullman Bancorp (CULL) has a Accounts Receivable of $1.49 Mil as of Jun. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's Accounts Receivable too high?
Cullman Bancorp's current Accounts Receivable is $1.49 Mil. Overall, Cullman Bancorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullman Bancorp's Accounts Receivable compare to AUBN and MFBP?
Cullman Bancorp's Accounts Receivable of $1.49 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current Accounts Receivable is $1.49 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cullman Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Cullman Bancorp (CULL) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.10, compared to a current price of $16.50 — trading 17% above its estimated fair value. The current Accounts Receivable is $1.49 Mil. Cullman Bancorp's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Accounts Receivable is $1.49 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cullman Bancorp (CULL) Overvalued in 2026?
Based on GuruFocus' analysis, Cullman Bancorp stock appears to be overvalued.
The current stock price of $16.50 is trading 17% above its estimated GF Value™ of $14.10.
GuruFocus considers Cullman Bancorp to be Modestly Overvalued.
Key valuation signals for CULL:
Accounts Receivable: $1.49 Mil
GF Value™: $14.10 vs. price of $16.50 (17% above fair value)
No single metric tells the full story. See the CULL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cullman Bancorp Inc through a subsidiary, accepts deposits and offers one- to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction loans, multi-family real estate loans, and consumer loans. The company offers deposit products, including checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. Geographically, the activities are carried out in the United States.
58GF Score
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Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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