Cullman BancorpCULL -0.32%60 FCF Margin % is 32.10% as of Dec. 2025, which is 35% above its 10-year median of 23.76. 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. Among 1,504 Banks companies, Cullman Bancorp ranks better than 59.77% on this metric.
The historical rank and industry rank for Cullman Bancorp's FCF Margin % or its related term are showing as below:
CULL'
s FCF Margin % Range Over the Past 10 Years
Min: 13.21 Med: 23.76 Max: 32.1
Current: 32.1
During the past 11 years, the highest FCF Margin % of Cullman Bancorp was 32.10%. The lowest was 13.21%. And the median was 23.76%.
CULL's FCF Margin % is ranked better than 59.77% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs CULL: 32.10
Cullman Bancorp FCF Margin % Related Terms
Cullman Bancorp FCF Margin % Historical Data
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The historical data trend for Cullman Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Cullman Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cullman Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Cullman Bancorp's FCF Margin % 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 FCF Margin % of 32.10% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Cullman Bancorp and its competitors. This is 35% above median its historical median of 23.76. Over the past decade, Cullman Bancorp's FCF Margin % has ranged from 13.21 to 32.10. According to the industry distribution chart, Cullman Bancorp ranks #605 out of 1504 companies in the Banks industry, placing it in the top 40.2%.
Is Cullman Bancorp's FCF Margin % too high?
Cullman Bancorp's current FCF Margin % of 32.10% is 35% above median its 10-year median of 23.76. Over the past 10 years, this metric has ranged from a low of 13.21 to a high of 32.10. The Banks industry median FCF Margin % is 26.50. Cullman Bancorp's value of 32.10% is 21.1% above this industry median. Based on the distribution chart, Cullman Bancorp ranks #605 out of 1504 companies in the Banks industry, which is above 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 FCF Margin % compare to AUBN and CBKM?
According to the Banks industry distribution chart, Cullman Bancorp ranks #605 out of 1504 companies for FCF Margin %. This puts Cullman Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. Cullman Bancorp's value of 32.10% is 21.1% above this benchmark. Historically, Cullman Bancorp's own FCF Margin % has ranged from 13.21 to 32.10 over the past decade. While the company's 10-year median is 23.76 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullman Bancorp's current FCF Margin % of 32.10% is 21.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Cullman Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullman Bancorp's current FCF Margin % is 32.10%, which is 35% above median its own 10-year median of 23.76. 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 FCF Margin % is 32.10%, which is 35% above median its 10-year median of 23.76 and 21.1% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current FCF Margin % is 32.10% 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:
FCF Margin %: 32.10% (35% above median its 10-year median of 23.76)
GF Value™: $13.60 vs. price of $15.50 (14% above fair value)
Industry Position: 21.1% above the Banks median (#605 of 1504)
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
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