CULL (Cullman Bancorp) Payments of Debt: $-15.01 Mil (TTM As of Dec. 2025)


CULL Cullman Bancorp Inc CULL
60 GF Score
Price $15.60
GF Value $13.63
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullman Bancorp Payments of Debt?

Cullman Bancorp CULL 60 Payments of Debt is $-15.01 Mil as of Dec. 2025. GuruFocus rates CULL with a GF Score™ of 60/100 and a GF Value™ of $13.63 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Cullman Bancorp's Payments of Debt for the six months ended in Dec. 2025 was $-15.01 Mil.

Cullman Bancorp's Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-15.01 Mil.

Cullman Bancorp Payments of Debt Related Terms

Cullman Bancorp Payments of Debt Historical Data

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The historical data trend for Cullman Bancorp's Payments of Debt 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 Payments of Debt Chart

Cullman Bancorp Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only -34.95 -18.41 -14.87 0.00 -15.01

Cullman Bancorp Semi-Annual Data
Dec07 Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only -34.95 -18.41 -14.87 0.00 -15.01
CULL
60GF Score
Cullman Bancorp Inc CULL
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullman Bancorp Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Payments of Debt for the trailing twelve months (TTM) ended in Dec. 2025 was $-15.01 Mil.

* 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.

Frequently Asked Questions Learn more about Payments of Debt →
What does a Payments of Debt of $-15.01 Mil mean?
Cullman Bancorp (CULL) has a Payments of Debt of $-15.01 Mil as of Dec. 2025. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's Payments of Debt too high?
Cullman Bancorp's current Payments of Debt is $-15.01 Mil. 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 Payments of Debt compare to BCOW and NACB?
Cullman Bancorp's Payments of Debt of $-15.01 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 Payments of Debt for a Banks company?
A good Payments of Debt depends on the Banks industry context. However, Payments of Debt 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 Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current Payments of Debt is $-15.01 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 $13.63, compared to a current price of $15.60 — trading 14.5% above its estimated fair value. The current Payments of Debt is $-15.01 Mil. Cullman Bancorp's overall GF Score™ is 60/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Payments of Debt is $-15.01 Mil as of Dec. 2025. 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 $15.60 is trading 14.5% above its estimated GF Value™ of $13.63. GuruFocus considers Cullman Bancorp to be Modestly Overvalued.

Key valuation signals for CULL:

  • Payments of Debt: $-15.01 Mil
  • GF Value™: $13.63 vs. price of $15.60 (14.5% 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

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Payments of Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.60
Price
$13.63
GF Value