Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cullman BancorpCULL 60 Debt-to-Equity is 0.58 as of Mar. 2026, which is 29% above its 10-year median of 0.45. GuruFocus rates CULL with a GF Score™ of 60/100 and a GF Value™ of $13.71 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, Cullman Bancorp ranks worse than 50.21% on this metric.
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: 0.45 Max: 0.94
Current: 0.58
During the past 11 years, the highest Debt-to-Equity Ratio of Cullman Bancorp was 0.94. The lowest was 0.15. And the median was 0.45.
CULL's Debt-to-Equity is ranked worse than 50.21% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs CULL: 0.58
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
Cullman Bancorp Debt-to-Equity Historical Data
* Premium members only.
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.
CULL vs AUBN, MFBP, FUSB: Debt-to-Equity Comparison
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 Debt-to-Equity vs 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.
* 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 (CULL) has a Debt-to-Equity of 0.58 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cullman Bancorp and its competitors. This is 29% above median its historical median of 0.45. Over the past decade, Cullman Bancorp's Debt-to-Equity has ranged from 0.15 to 0.94. According to the industry distribution chart, Cullman Bancorp ranks #714 out of 1422 companies in the Banks industry, placing it in the top 50.2%.
Is Cullman Bancorp's Debt-to-Equity too high?
Cullman Bancorp's current Debt-to-Equity of 0.58 is 29% above median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.94. The Banks industry median Debt-to-Equity is 0.57. Cullman Bancorp's value of 0.58 is 1.8% above this industry median. Based on the distribution chart, Cullman Bancorp ranks #714 out of 1422 companies in the Banks industry, which is below the industry midpoint. 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 Debt-to-Equity compare to AUBN and MFBP?
According to the Banks industry distribution chart, Cullman Bancorp ranks #714 out of 1422 companies for Debt-to-Equity. This places Cullman Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Cullman Bancorp's value of 0.58 is 1.8% above this benchmark. Historically, Cullman Bancorp's own Debt-to-Equity has ranged from 0.15 to 0.94 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.57, Cullman Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullman Bancorp's current Debt-to-Equity of 0.58 is 1.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cullman Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullman Bancorp's current Debt-to-Equity is 0.58, which is 29% above median its own 10-year median of 0.45. 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 $13.71, compared to a current price of $16.24 — trading 18.5% above its estimated fair value. The current Debt-to-Equity is 0.58, which is 29% above median its 10-year median of 0.45 and 1.8% above the Banks industry median of 0.57. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Debt-to-Equity is 0.58 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 18.5% above its estimated GF Value™ of $13.71.
GuruFocus considers Cullman Bancorp to be Modestly Overvalued.
Key valuation signals for CULL:
Debt-to-Equity: 0.58 (29% above median its 10-year median of 0.45)
GF Value™: $13.71 vs. price of $16.24 (18.5% above fair value)
Industry Position: 1.8% above the Banks median (#714 of 1422)
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 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
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CULL has been successfully added to your 
