CULL (Cullman Bancorp) Total Assets: $433.85 Mil (As of Dec. 2025)


CULL Cullman Bancorp Inc CULL
60 GF Score
Price $15.50
GF Value $13.60
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Cullman Bancorp Total Assets?

Cullman Bancorp CULL 60 Total Assets is $433.85 Mil as of Dec. 2025. 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.

Cullman Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $433.85 Mil.

During the past 12 months, Cullman Bancorp's average Total Assets Growth Rate was 4.30% per year. During the past 3 years, the average Total Assets Growth Rate was 3.10% per year. During the past 5 years, the average Total Assets Growth Rate was 6.40% per year. During the past 10 years, the average Total Assets Growth Rate was 9.10% per year.

During the past 11 years, Cullman Bancorp's highest 3-Year average Total Assets Growth Rate was 20.50%. The lowest was 0.80%. And the median was 7.00%.

Total Assets is connected with ROA %. Cullman Bancorp's annualized ROA % for the quarter that ended in Dec. 2025 was 0.93%. Total Assets is also linked to Revenue through Asset Turnover. Cullman Bancorp's Asset Turnover for the quarter that ended in Dec. 2025 was 0.04.


Cullman Bancorp  (OTCPK:CULL) Total Assets Explanation

Total Assets is connected with ROA %.

Cullman Bancorp's annualized ROA % for the quarter that ended in Dec. 2025 is

ROA %=Net Income (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=4.045/( (432.245+433.847)/ 2 )
=4.045/433.046
=0.93 %

Note: The Net Income data used here is one times the annual (Dec. 2025) data.

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Total Assets is linked to total revenue through Asset Turnover.

Cullman Bancorp's Asset Turnover for the quarter that ended in Dec. 2025 is

Asset Turnover
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Dec. 2024 )+Total Assets (Q: Dec. 2025 ))/ count )
=17.771/( (432.245+433.847)/ 2 )
=17.771/433.046
=0.04

* 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.

Therefore, if a company grows its Total Assets faster than its Revenue, the Asset Turnover will decline. This might be a warning sign for the business.

Cullman Bancorp Total Assets Related Terms


Cullman Bancorp Total Assets Historical Data

* Premium members only.

The historical data trend for Cullman Bancorp's Total Assets 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 Total Assets Chart

Cullman Bancorp Annual Data
Trend Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 354.71 423.23 411.64 432.25 433.85

Cullman Bancorp Semi-Annual Data
Dec07 Dec08 Dec09 Dec10 Dec11 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 354.71 423.23 411.64 432.25 433.85
CULL
60GF Score
Cullman Bancorp Inc CULL
Total Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Cullman Bancorp Total Assets Calculation

Total Assets are all the assets a company owns.

From the capital sources of the assets, some of the assets are funded through shareholder's paid in capital and retained earnings of the business. Others are funded through borrowed money.

Cullman Bancorp's Total Assets for the fiscal year that ended in Dec. 2025 is calculated as

Total Assets=Total Equity (A: Dec. 2025 )+Total Liabilities (A: Dec. 2025 )
=96.153+337.694
=433.85

Cullman Bancorp's Total Assets for the quarter that ended in Dec. 2025 is calculated as

Total Assets=Total Equity (Q: Dec. 2025 )+Total Liabilities (Q: Dec. 2025 )
=96.153+337.694
=433.85

* 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 Total Assets →
What does a Total Assets of $433.85 Mil mean?
Cullman Bancorp (CULL) has a Total Assets of $433.85 Mil as of Dec. 2025. The total amount of assets as recorded on a company's balance sheet. View historical data on Cullman Bancorp and its competitors.
Is Cullman Bancorp's Total Assets too high?
Cullman Bancorp's current Total Assets is $433.85 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 Total Assets compare to BCOW and NACB?
Cullman Bancorp's Total Assets of $433.85 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 Total Assets for a Banks company?
A good Total Assets depends on the Banks industry context. However, Total 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 Total Assets mean?
A high Total Assets can signal that a stock is expensive relative to its fundamentals. The total amount of assets as recorded on a company's balance sheet. View historical data on Cullman Bancorp and its competitors. Cullman Bancorp's current Total Assets is $433.85 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 $13.60, compared to a current price of $15.50 — trading 14% above its estimated fair value. The current Total Assets is $433.85 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 Total Assets calculated?
Total Assets is calculated from a company's financial statements. For Cullman Bancorp (CULL), the current Total Assets is $433.85 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 $15.50 is trading 14% above its estimated GF Value™ of $13.60. GuruFocus considers Cullman Bancorp to be Modestly Overvalued.

Key valuation signals for CULL:

  • Total Assets: $433.85 Mil
  • GF Value™: $13.60 vs. price of $15.50 (14% 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

Get the complete analysis for CULL

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

$15.50
Price
$13.60
GF Value