CULL (Cullman Bancorp) Scaled Net Operating Assets: 0.30 (As of Dec. 2025)


CULL Cullman Bancorp Inc CULL
61 GF Score
Price $15.50
GF Value $13.60
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullman Bancorp Scaled Net Operating Assets?

Cullman Bancorp CULL 61 Scaled Net Operating Assets is 0.30 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Cullman Bancorp's operating assets for the quarter that ended in Dec. 2025 was $423.62 Mil. Cullman Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $292.69 Mil. Cullman Bancorp's Total Assets for the quarter that ended in Dec. 2024 was $432.25 Mil. Therefore, Cullman Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.30.

CULL
61GF Score
Cullman Bancorp Inc CULL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullman Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Cullman Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(430.884-292.694)/432.245
=0.32

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=433.847 - 2.963
=430.884

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=337.694 - 45 - 0
=292.694

Cullman Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(423.619-292.694)/432.245
=0.30

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=433.847 - 10.228
=423.619

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=337.694 - 45 - 0
=292.694

* 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.

What does a Scaled Net Operating Assets of 0.30 mean?
Cullman Bancorp (CULL) has a Scaled Net Operating Assets of 0.30 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's Scaled Net Operating Assets too high?
Cullman Bancorp's current Scaled Net Operating Assets is 0.30. 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 Scaled Net Operating Assets compare to AUBN and CBKM?
Cullman Bancorp's Scaled Net Operating Assets of 0.30 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current Scaled Net Operating Assets is 0.30. 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 Scaled Net Operating Assets is 0.30. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Scaled Net Operating Assets is 0.30 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:

  • Scaled Net Operating Assets: 0.30
  • GF Value™: $13.60 vs. price of $15.50 (14% above fair value)
  • GF Score™: 61/100 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.
61GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$15.50
Price
$13.60
GF Value