CULL (Cullman Bancorp) Cyclically Adjusted PS Ratio: (As of Jul. 11, 2026)


CULL Cullman Bancorp Inc CULL
60 GF Score
Price $16.00
GF Value $13.66
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullman Bancorp Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Cullman Bancorp  (OTCPK:CULL) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Cullman Bancorp Cyclically Adjusted PS Ratio Related Terms


Cullman Bancorp Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Cullman Bancorp's Cyclically Adjusted PS Ratio 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.

Cullman Bancorp Cyclically Adjusted PS Ratio Chart

Cullman Bancorp Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 4.83 5.61

Cullman Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 5.61 0.00

CULL vs BCOW, NACB, BKSC: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Cullman Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Cullman Bancorp Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Cullman Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Cullman Bancorp's Cyclically Adjusted PS Ratio falls into.


CULL
60GF Score
Cullman Bancorp Inc CULL
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullman Bancorp Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Cullman Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Cullman Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.819/330.2130*330.2130
=0.819

Current CPI (Mar. 2026) = 330.2130.

Cullman Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
200812 0.225 210.228 0.353
200903 0.252 212.709 0.391
200906 0.259 215.693 0.397
200909 0.266 215.969 0.407
200912 0.307 215.949 0.469
201003 0.315 217.631 0.478
201006 0.328 217.965 0.497
201009 0.336 218.439 0.508
201012 0.341 219.179 0.514
201103 0.340 223.467 0.502
201106 0.330 225.722 0.483
201109 0.343 226.889 0.499
201112 0.330 225.672 0.483
201203 0.359 229.392 0.517
201206 0.337 229.478 0.485
202003 0.476 258.115 0.609
202006 0.469 257.797 0.601
202009 0.481 260.280 0.610
202012 0.473 260.474 0.600
202103 0.480 264.877 0.598
202106 0.483 271.696 0.587
202109 0.507 274.310 0.610
202112 0.356 278.802 0.422
202203 0.537 287.504 0.617
202206 0.619 296.311 0.690
202209 0.622 296.808 0.692
202212 0.649 296.797 0.722
202303 0.614 301.836 0.672
202306 0.605 305.109 0.655
202309 0.609 307.789 0.653
202312 0.531 306.746 0.572
202403 0.538 312.332 0.569
202406 0.564 314.175 0.593
202409 0.605 315.301 0.634
202412 0.633 315.605 0.662
202503 0.620 319.799 0.640
202506 0.716 322.561 0.733
202509 0.759 324.800 0.772
202512 0.789 324.054 0.804
202603 0.819 330.213 0.819

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Cullman Bancorp (CULL) Overvalued in 2026?

Based on GuruFocus' analysis, Cullman Bancorp stock appears to be overvalued. The current stock price of $16.00 is trading 17.1% above its estimated GF Value™ of $13.66. GuruFocus considers Cullman Bancorp to be Modestly Overvalued.

Key valuation signals for CULL:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $13.66 vs. price of $16.00 (17.1% above fair value)
  • GF Score™: 60/100 with 7 warning signs

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 Business Description

Address 316 Second Avenue S.W., Cullman, AL, USA, 35055
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.
60GF Score

Get the complete analysis for CULL

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.00
Price
$13.66
GF Value