Cullman BancorpCULL 61 Pretax Margin % is 28.83% as of Dec. 2025, which is 2% below its 10-year median of 29.37. GuruFocus rates CULL with a GF Score™ of 61/100 and a GF Value™ of $13.60 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Cullman Bancorp ranks worse than 66.21% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Cullman Bancorp Pretax Margin % Related Terms
Cullman Bancorp Pretax Margin % Historical Data
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The historical data trend for Cullman Bancorp's Pretax 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.
CULL vs AUBN, CBKM, CIWV: Pretax Margin % Comparison
For the Banks - Regional subindustry, Cullman Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cullman Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Cullman Bancorp's Pretax 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 Pretax Margin % of 28.83% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Cullman Bancorp and its competitors. This is near median its historical median of 29.37. Over the past decade, Cullman Bancorp's Pretax Margin % has ranged from 14.88 to 35.31. According to the industry distribution chart, Cullman Bancorp ranks #1011 out of 1527 companies in the Banks industry, placing it in the top 66.2%.
Is Cullman Bancorp's Pretax Margin % too high?
Cullman Bancorp's current Pretax Margin % of 28.83% is near median its 10-year median of 29.37. Over the past 10 years, this metric has ranged from a low of 14.88 to a high of 35.31. The Banks industry median Pretax Margin % is 34.88. Cullman Bancorp's value of 28.83% is 17.3% below this industry median. Based on the distribution chart, Cullman Bancorp ranks #1011 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Cullman Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cullman Bancorp's Pretax Margin % compare to AUBN and CBKM?
According to the Banks industry distribution chart, Cullman Bancorp ranks #1011 out of 1527 companies for Pretax Margin %. This places Cullman Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. Cullman Bancorp's value of 28.83% is 17.3% below this benchmark. Historically, Cullman Bancorp's own Pretax Margin % has ranged from 14.88 to 35.31 over the past decade. While the company's 10-year median is 29.37 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullman Bancorp's current Pretax Margin % of 28.83% is 17.3% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Cullman Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullman Bancorp's current Pretax Margin % is 28.83%, which is near median its own 10-year median of 29.37. 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 Pretax Margin % is 28.83%, which is near median its 10-year median of 29.37 and 17.3% below the Banks industry median of 34.88. Cullman Bancorp's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Pretax Margin % is 28.83% 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:
Pretax Margin %: 28.83% (near median its 10-year median of 29.37)
GF Value™: $13.60 vs. price of $15.50 (14% above fair value)
Industry Position: 17.3% below the Banks median (#1011 of 1527)
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.
61GF Score
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