Cullman BancorpCULL -0.32%60 Net Margin % is 22.76% as of Dec. 2025, which is 3% above its 10-year median of 22.08. 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 1,526 Banks companies, Cullman Bancorp ranks worse than 63.7% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Cullman Bancorp's Net Income for the
six
months ended in Dec. 2025 was $4.05 Mil. Cullman Bancorp's Revenue for the
six
months ended in Dec. 2025 was $17.77 Mil. Therefore, Cullman Bancorp's net margin for the quarter that ended in Dec. 2025 was 22.76%.
The historical rank and industry rank for Cullman Bancorp's Net Margin % or its related term are showing as below:
CULL'
s Net Margin % Range Over the Past 10 Years
Min: 4.28 Med: 22.08 Max: 27.8
Current: 22.76
CULL's Net Margin % is ranked worse than 63.7% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CULL: 22.76
Cullman Bancorp (OTCPK:CULL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Cullman Bancorp Net Margin % Related Terms
Cullman Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Cullman Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cullman Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Cullman Bancorp's Net 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 Net Margin % of 22.76% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Cullman Bancorp and its competitors. This is near median its historical median of 22.08. Over the past decade, Cullman Bancorp's Net Margin % has ranged from 4.28 to 27.80. According to the industry distribution chart, Cullman Bancorp ranks #972 out of 1526 companies in the Banks industry, placing it in the top 63.7%.
Is Cullman Bancorp's Net Margin % too high?
Cullman Bancorp's current Net Margin % of 22.76% is near median its 10-year median of 22.08. Over the past 10 years, this metric has ranged from a low of 4.28 to a high of 27.80. The Banks industry median Net Margin % is 26.97. Cullman Bancorp's value of 22.76% is 15.6% below this industry median. Based on the distribution chart, Cullman Bancorp ranks #972 out of 1526 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 Net Margin % compare to AUBN and CBKM?
According to the Banks industry distribution chart, Cullman Bancorp ranks #972 out of 1526 companies for Net Margin %. This places Cullman Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. Cullman Bancorp's value of 22.76% is 15.6% below this benchmark. Historically, Cullman Bancorp's own Net Margin % has ranged from 4.28 to 27.80 over the past decade. While the company's 10-year median is 22.08 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullman Bancorp's current Net Margin % of 22.76% is 15.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Cullman Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullman Bancorp's current Net Margin % is 22.76%, which is near median its own 10-year median of 22.08. 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 Net Margin % is 22.76%, which is near median its 10-year median of 22.08 and 15.6% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Net Margin % is 22.76% 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:
Net Margin %: 22.76% (near median its 10-year median of 22.08)
GF Value™: $13.60 vs. price of $15.50 (14% above fair value)
Industry Position: 15.6% below the Banks median (#972 of 1526)
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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