CULL (Cullman Bancorp) EPS (Basic): $0.68 (TTM As of Dec. 2025)


CULL Cullman Bancorp Inc CULL
60 GF Score
Price $15.50
GF Value $13.60
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullman Bancorp EPS (Basic)?

Cullman Bancorp CULL -0.32% 60 EPS (Basic) is $0.68 as of Dec. 2025. GuruFocus rates CULL with a GF Score™ of 60/100 and a GF Value™ of $13.60 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Cullman Bancorp's basic earnings per share (Basic EPS) for the six months ended in Dec. 2025 was $0.68. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.68.

Cullman Bancorp's EPS (Diluted) for the six months ended in Dec. 2025 was $0.67. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.67.

Cullman Bancorp's EPS without NRI for the six months ended in Dec. 2025 was $0.68. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Dec. 2025 was 0.68.

During the past 12 months, Cullman Bancorp's average EPS without NRIGrowth Rate was 31.00% per year. During the past 3 years, the average EPS without NRI Growth Rate was 5.10% per year. During the past 5 years, the average EPS without NRI Growth Rate was 10.50% per year. During the past 10 years, the average EPS without NRI Growth Rate was 22.90% per year. 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 11 years, Cullman Bancorp's highest 3-Year average EPS without NRI Growth Rate was 79.40% per year. The lowest was -5.90% per year. And the median was 25.95% per year.

Cullman Bancorp  (OTCPK:CULL) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Cullman Bancorp EPS (Basic) Related Terms

Cullman Bancorp EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Cullman Bancorp's EPS (Basic) 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 EPS (Basic) Chart

Cullman Bancorp Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.25 0.59 0.56 0.52 0.68

Cullman Bancorp Semi-Annual Data
Dec07 Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.25 0.59 0.56 0.52 0.68
CULL
60GF Score
Cullman Bancorp Inc CULL
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullman Bancorp EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Cullman Bancorp's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(4.045-0)/5.852
=0.69

Cullman Bancorp's Basic EPS for the quarter that ended in Dec. 2025 is calculated as

Basic EPS (Q: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(4.045-0)/5.852
=0.69

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.68

* 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 EPS (Basic) →
What does a EPS (Basic) of $0.68 mean?
Cullman Bancorp (CULL) has a EPS (Basic) of $0.68 as of Dec. 2025. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's EPS (Basic) too high?
Cullman Bancorp's current EPS (Basic) is $0.68. 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 EPS (Basic) compare to AUBN and CBKM?
Cullman Bancorp's EPS (Basic) of $0.68 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current EPS (Basic) is $0.68. 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 $13.60, compared to a current price of $15.50 — trading 14% above its estimated fair value. The current EPS (Basic) is $0.68. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current EPS (Basic) is $0.68 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 $15.50 is trading 14% above its estimated GF Value™ of $13.60. GuruFocus considers Cullman Bancorp to be Modestly Overvalued.

Key valuation signals for CULL:

  • EPS (Basic): $0.68
  • GF Value™: $13.60 vs. price of $15.50 (14% 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

Get the complete analysis for CULL

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.50
Price
$13.60
GF Value