Cullman BancorpCULL 60 PS Ratio is 5.13 as of Jul. 01, 2026, which is 13% above its 10-year median of 4.53. 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. Among 1,517 Banks companies, Cullman Bancorp ranks worse than 86.35% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Cullman Bancorp's share price is $15.40.
Cullman Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $3.00. Hence, Cullman Bancorp's PS Ratio for today is 5.13.
Warning Sign:
Cullman Bancorp Inc stock PS Ratio (=5.13) is close to 3-year high of 5.17.
The historical rank and industry rank for Cullman Bancorp's PS Ratio or its related term are showing as below:
CULL'
s PS Ratio Range Over the Past 10 Years
Min: 3.8 Med: 4.53 Max: 6.92
Current: 5.13
During the past 11 years, Cullman Bancorp's highest PS Ratio was 6.92. The lowest was 3.80. And the median was 4.53.
CULL's PS Ratio is ranked worse than 86.35% of 1517
companies
in the Banks industry
Industry Median: 2.97
vs CULL: 5.13
Cullman Bancorp Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Cullman Bancorp was 20.80% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 7.60% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 9.20% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 14.50% per year.
During the past 11 years, Cullman Bancorp's highest 3-Year average Revenue per Share Growth Rate was 24.20% per year. The lowest was 7.30% per year. And the median was 12.00% per year.
Back to Basics: PS Ratio
Cullman Bancorp (OTCPK:CULL) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Cullman Bancorp PS Ratio Related Terms
Cullman Bancorp PS Ratio Historical Data
* Premium members only.
The historical data trend for Cullman Bancorp's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Cullman Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Cullman Bancorp's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Cullman Bancorp's Share Price of today is $15.40.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Cullman Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $3.00.
* 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.
It can also be calculated from the numbers for the whole company:
Cullman Bancorp (CULL) has a PS Ratio of 5.13 as of Jul. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Cullman Bancorp and its competitors. This is 13% above median its historical median of 4.53. Over the past decade, Cullman Bancorp's PS Ratio has ranged from 3.80 to 6.92. According to the industry distribution chart, Cullman Bancorp ranks #1310 out of 1517 companies in the Banks industry, placing it in the top 86.4%.
Is Cullman Bancorp's PS Ratio too high?
Cullman Bancorp's current PS Ratio of 5.13 is 13% above median its 10-year median of 4.53. Over the past 10 years, this metric has ranged from a low of 3.80 to a high of 6.92. The Banks industry median PS Ratio is 2.97. Cullman Bancorp's value of 5.13 is 72.7% above this industry median. Based on the distribution chart, Cullman Bancorp ranks #1310 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PS Ratio compare to BCOW and NACB?
According to the Banks industry distribution chart, Cullman Bancorp ranks #1310 out of 1517 companies for PS Ratio. This places Cullman Bancorp in the lower half of its industry. The industry median PS Ratio is 2.97. Cullman Bancorp's value of 5.13 is 72.7% above this benchmark. Historically, Cullman Bancorp's own PS Ratio has ranged from 3.80 to 6.92 over the past decade. While the company's 10-year median is 4.53 vs. the industry median of 2.97, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.97, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cullman Bancorp's current PS Ratio of 5.13 is 72.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Cullman Bancorp and its competitors. For the Banks industry, the median PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cullman Bancorp's current PS Ratio is 5.13, which is 13% above median its own 10-year median of 4.53. 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 $15.40 — trading 13.1% above its estimated fair value. The current PS Ratio is 5.13, which is 13% above median its 10-year median of 4.53 and 72.7% above the Banks industry median of 2.97. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current PS Ratio is 5.13 as of Jul. 01, 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 $15.40 is trading 13.1% above its estimated GF Value™ of $13.62.
GuruFocus considers Cullman Bancorp to be Modestly Overvalued.
Key valuation signals for CULL:
PS Ratio: 5.13 (13% above median its 10-year median of 4.53)
GF Value™: $13.62 vs. price of $15.40 (13.1% above fair value)
Industry Position: 72.7% above the Banks median (#1310 of 1517)
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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