CULL (Cullman Bancorp) Interest Expense: $-7.02 Mil (TTM As of Dec. 2025)


CULL Cullman Bancorp Inc CULL
60 GF Score
Price $15.60
GF Value $13.62
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullman Bancorp Interest Expense?

Cullman Bancorp CULL +1.30% 60 Interest Expense is $-7.02 Mil as of Dec. 2025. GuruFocus rates CULL with a GF Score™ of 60/100 and a GF Value™ of $13.62 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Cullman Bancorp's interest expense for the six months ended in Dec. 2025 was $ -7.02 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-7.02 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Cullman Bancorp's Operating Income for the six months ended in Dec. 2025 was $ Mil. Cullman Bancorp's Interest Expense for the six months ended in Dec. 2025 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Cullman Bancorp Interest Expense Historical Data

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The historical data trend for Cullman Bancorp's Interest Expense 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 Interest Expense Chart

Cullman Bancorp Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.79 -1.37 -4.28 -6.95 -7.02

Cullman Bancorp Semi-Annual Data
Dec07 Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only -1.79 -1.37 -4.28 -6.95 -7.02
CULL
60GF Score
Cullman Bancorp Inc CULL
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullman Bancorp Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-7.02 Mil.

* 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 Interest Expense →
What does a Interest Expense of $-7.02 Mil mean?
Cullman Bancorp (CULL) has a Interest Expense of $-7.02 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's Interest Expense too high?
Cullman Bancorp's current Interest Expense is $-7.02 Mil. 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 Interest Expense compare to BCOW and NACB?
Cullman Bancorp's Interest Expense of $-7.02 Mil 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 Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current Interest Expense is $-7.02 Mil. 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 $13.62, compared to a current price of $15.60 — trading 14.5% above its estimated fair value. The current Interest Expense is $-7.02 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Interest Expense is $-7.02 Mil 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 $15.60 is trading 14.5% above its estimated GF Value™ of $13.62. GuruFocus considers Cullman Bancorp to be Modestly Overvalued.

Key valuation signals for CULL:

  • Interest Expense: $-7.02 Mil
  • GF Value™: $13.62 vs. price of $15.60 (14.5% 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

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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.60
Price
$13.62
GF Value