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CULL (Cullman Bancorp) Debt-to-Equity : 0.44 (As of Mar. 2024)


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What is Cullman Bancorp Debt-to-Equity?

Cullman Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $0.00 Mil. Cullman Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was $45.00 Mil. Cullman Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2024 was $101.33 Mil. Cullman Bancorp's debt to equity for the quarter that ended in Mar. 2024 was 0.44.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Cullman Bancorp's Debt-to-Equity or its related term are showing as below:

CULL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15   Med: 0.35   Max: 0.94
Current: 0.44

During the past 9 years, the highest Debt-to-Equity Ratio of Cullman Bancorp was 0.94. The lowest was 0.15. And the median was 0.35.

CULL's Debt-to-Equity is ranked better than
60.92% of 1451 companies
in the Banks industry
Industry Median: 0.63 vs CULL: 0.44

Cullman Bancorp Debt-to-Equity Historical Data

The historical data trend for Cullman Bancorp's Debt-to-Equity 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.

* Premium members only.

Cullman Bancorp Debt-to-Equity Chart

Cullman Bancorp Annual Data
Trend Dec07 Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only 1.06 0.94 0.19 0.25 0.34

Cullman Bancorp Quarterly Data
Dec11 Mar12 Jun12 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Debt-to-Equity 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 0.35 0.34 0.35 0.34 0.44

Competitive Comparison of Cullman Bancorp's Debt-to-Equity

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

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

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


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Cullman Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Cullman Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Cullman Bancorp's Debt to Equity Ratio for the quarter that ended in Mar. 2024 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.


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

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.


Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.


Cullman Bancorp Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Cullman Bancorp's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


Cullman Bancorp Business Description

Traded in Other Exchanges
N/A
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, and construction loans, multi-family real estate loans, and consumer loans. The company offers deposit accounts, including checking accounts, savings accounts, individual retirement accounts, and certificate of deposit accounts. Geographically the activities are carried out through the United States.
Executives
Riley John A Iii director, officer: President & CEO 316 SECOND AVENUE S.W., CULLMAN AL 35055
Paul D Bussman director 316 SECOND AVENUE S.W., CULLMAN AL 35055
Nancy Mcclellan director 316 SECOND AVENUE S.W., CULLMAN AL 35055
Robin Parson director, officer: Executive Vice President 316 SECOND AVENUE S.W., CULLMAN AL 35055
Lynne Morton director 316 SECOND AVENUE, SW, CULLMAN AL 35055
Katrina I Stephens officer: SVP and CFO 316 SECOND AVENUE, SW, CULLMAN AL 35055
T Aira Ugarkovich officer: EVP and COO 316 SECOND AVENUE, SW, CULLMAN AL 35055
Gregory T Barksdale director 316 SECOND AVENUE, SW, CULLMAN AL 35055
Chad T Burks director 316 SECOND AVENUE, SW, CULLMAN AL 35055