CULL (Cullman Bancorp) Cyclically Adjusted Revenue per Share: $2.31 (As of Mar. 2026)

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CULL Cullman Bancorp Inc CULL
60 GF Score
Price $16.24
GF Value $13.68
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Cullman Bancorp Cyclically Adjusted Revenue per Share?

Cullman Bancorp CULL +1.50% 60 Cyclically Adjusted Revenue per Share is $2.31 as of Mar. 2026. GuruFocus rates CULL with a GF Score™ of 60/100 and a GF Value™ of $13.68 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Cullman Bancorp's adjusted revenue per share for the three months ended in Mar. 2026 was $0.819. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $2.31 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-20), Cullman Bancorp's current stock price is $16.24. Cullman Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $2.31. Cullman Bancorp's Cyclically Adjusted PS Ratio of today is 7.03.

During the past 11 years, the highest Cyclically Adjusted PS Ratio of Cullman Bancorp was 6.93. The lowest was 4.93. And the median was 5.61.


Cullman Bancorp  (OTCPK:CULL) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Cullman Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=16.24/2.31
=7.03

* 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.

During the past 11 years, the highest Cyclically Adjusted PS Ratio of Cullman Bancorp was 6.93. The lowest was 4.93. And the median was 5.61.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Cullman Bancorp Cyclically Adjusted Revenue per Share Related Terms


Cullman Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Cullman Bancorp's Cyclically Adjusted Revenue per Share 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 Revenue per Share Chart

Cullman Bancorp Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 2.23

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 Revenue per Share 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 2.16 2.19 2.23 2.31

CULL vs BCOW, NACB, BKSC: Cyclically Adjusted Revenue per Share 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 Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cullman Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get 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.

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.

What does a Cyclically Adjusted Revenue per Share of $2.31 mean?
Cullman Bancorp (CULL) has a Cyclically Adjusted Revenue per Share of $2.31 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's Cyclically Adjusted Revenue per Share too high?
Cullman Bancorp's current Cyclically Adjusted Revenue per Share is $2.31. Overall, Cullman Bancorp has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullman Bancorp's Cyclically Adjusted Revenue per Share compare to BCOW and NACB?
Cullman Bancorp's Cyclically Adjusted Revenue per Share of $2.31 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current Cyclically Adjusted Revenue per Share is $2.31. 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 $13.68, compared to a current price of $16.24 — trading 18.7% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $2.31. Cullman Bancorp's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Cyclically Adjusted Revenue per Share is $2.31 as of Mar. 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 $16.24 is trading 18.7% above its estimated GF Value™ of $13.68. GuruFocus considers Cullman Bancorp to be Modestly Overvalued.

Key valuation signals for CULL:

  • Cyclically Adjusted Revenue per Share: $2.31
  • GF Value™: $13.68 vs. price of $16.24 (18.7% above fair value)
  • GF Score™: 60/100 with 6 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 Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.24
Price
$13.68
GF Value