Cullman BancorpCULL -0.32%60 FCF Yield % is 6.40 as of Jun. 25, 2026, which is 49% above its 10-year median of 4.30. 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 worse than 57.98% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Cullman Bancorp FCF Yield % Related Terms
Cullman Bancorp FCF Yield % Historical Data
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The historical data trend for Cullman Bancorp's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Cullman Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Cullman Bancorp's FCF Yield % 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 Yield % of 6.40 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cullman Bancorp and its competitors. This is 49% above median its historical median of 4.30. Over the past decade, Cullman Bancorp's FCF Yield % has ranged from 2.68 to 7.71. According to the industry distribution chart, Cullman Bancorp ranks #872 out of 1504 companies in the Banks industry, placing it in the top 58%.
Is Cullman Bancorp's FCF Yield % too high?
Cullman Bancorp's current FCF Yield % of 6.40 is 49% above median its 10-year median of 4.30. Over the past 10 years, this metric has ranged from a low of 2.68 to a high of 7.71. The Banks industry median FCF Yield % is 8.24. Cullman Bancorp's value of 6.40 is 22.3% below this industry median. Based on the distribution chart, Cullman Bancorp ranks #872 out of 1504 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 FCF Yield % compare to AUBN and CBKM?
According to the Banks industry distribution chart, Cullman Bancorp ranks #872 out of 1504 companies for FCF Yield %. This places Cullman Bancorp in the lower half of its industry. The industry median FCF Yield % is 8.24. Cullman Bancorp's value of 6.40 is 22.3% below this benchmark. Historically, Cullman Bancorp's own FCF Yield % has ranged from 2.68 to 7.71 over the past decade. While the company's 10-year median is 4.30 vs. the industry median of 8.24, Cullman Bancorp has consistently been below 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullman Bancorp's current FCF Yield % of 6.40 is 22.3% below 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cullman Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullman Bancorp's current FCF Yield % is 6.40, which is 49% above median its own 10-year median of 4.30. 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 Yield % is 6.40, which is 49% above median its 10-year median of 4.30 and 22.3% below the Banks industry median of 8.24. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current FCF Yield % is 6.40 as of Jun. 25, 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 $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 Yield %: 6.40 (49% above median its 10-year median of 4.30)
GF Value™: $13.60 vs. price of $15.50 (14% above fair value)
Industry Position: 22.3% below the Banks median (#872 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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