CULL (Cullman Bancorp) Debt-to-Asset : 0.12 (As of Jun. 2026)

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CULL Cullman Bancorp Inc CULL
58 GF Score
Price $17.00
GF Value $14.15
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Cullman Bancorp Debt-to-Asset?

Cullman Bancorp CULL +0.59% 58 Debt-to-Asset is 0.12 as of Jun. 2026. GuruFocus rates CULL with a GF Score™ of 58/100 and a GF Value™ of $14.15 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Cullman Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0.00 Mil. Cullman Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $55.00 Mil. Cullman Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $459.63 Mil. Cullman Bancorp's debt to asset for the quarter that ended in Jun. 2026 was 0.12.

Cullman Bancorp  (OTCPK:CULL) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Cullman Bancorp Debt-to-Asset Related Terms

Cullman Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Cullman Bancorp's Debt-to-Asset 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 Debt-to-Asset Chart

Cullman Bancorp Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.06 0.09 0.10 0.10

Cullman Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.12 0.12 0.10 0.12 0.12

CULL vs FDSB, BSFO, SEBC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Cullman Bancorp's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Cullman Bancorp's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Cullman Bancorp's Debt-to-Asset falls into.


CULL
58GF Score
Cullman Bancorp Inc CULL
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullman Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Cullman Bancorp's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 45) / 433.847
=0.10

Cullman Bancorp's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 55) / 459.628
=0.12

* 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 Debt-to-Asset →
What does a Debt-to-Asset of 0.12 mean?
Cullman Bancorp (CULL) has a Debt-to-Asset of 0.12 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's Debt-to-Asset too high?
Cullman Bancorp's current Debt-to-Asset is 0.12. 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 Debt-to-Asset compare to FDSB and BSFO?
Cullman Bancorp's Debt-to-Asset of 0.12 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current Debt-to-Asset is 0.12. 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 $14.15, compared to a current price of $17.00 — trading 20.1% above its estimated fair value. The current Debt-to-Asset is 0.12. Cullman Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Debt-to-Asset is 0.12 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 $17.00 is trading 20.1% above its estimated GF Value™ of $14.15. GuruFocus considers Cullman Bancorp to be Modestly Overvalued.

Key valuation signals for CULL:

  • Debt-to-Asset: 0.12
  • GF Value™: $14.15 vs. price of $17.00 (20.1% above fair value)
  • GF Score™: 58/100 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.
58GF Score

Get the complete analysis for CULL

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

$17.00
Price
$14.15
GF Value