Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data Cullman Bancorp, Inc. /MD/ files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2021
FY2021
FY2022
FY2023
Interest expense
2.87
1.79
1.37
4.28
Pre-tax income
4.5
2.09
5.28
5.05
Income tax
0.96
0.34
1.1
1.1
Net income
3.55
1.75
4.18
3.95
EPS, basic
0.52
0.25
0.59
0.56
EPS, diluted
0.52
0.25
0.59
0.54
Shares, basic (weighted)
6.68
6.86
6.95
6.92
Shares, diluted (weighted)
6.69
6.97
7.01
7.18
Balance sheet
FY2021
FY2021
FY2022
FY2023
Cash and equivalents
3.14
2.21
36.6
13
Property, plant and equipment
8.58
9.48
10.9
14
Lease right-of-use assets
0.17
0.12
0.07
Other non-current assets
1.13
0.72
1.11
1.17
Total assets
331
355
423
412
Other non-current liabilities
3.96
4.39
4.94
5.67
Total liabilities
275
255
323
310
Paid-in capital
6.69
49.7
50.2
48.1
Retained earnings
49.7
53.3
56.6
59.3
Other comprehensive income
0.54
0.28
-3.56
-2.91
Shareholders' equity
56.9
99.7
100
102
Total equity
56.9
99.7
100
102
Total liabilities and equity
331
355
423
412
Shares outstanding
6.96
7.41
7.39
7.3
Cash flow statement
FY2021
FY2021
FY2022
FY2023
Net income
3.55
1.75
4.18
3.95
Depreciation and amortization
0.58
0.47
0.34
0.47
Stock-based compensation
0.24
0.56
0.56
0.77
Deferred income tax
-0.1
-0.34
0.15
-0.12
Cash from operations
3.44
5.23
5.77
5.86
Capital expenditures
-0.43
-1.31
-1.74
-3.63
Sales and maturities of investments
14.6
4.16
0.09
0.08
Cash from investing
21.7
-22.8
-97.6
-11.9
Stock issued
0.05
37.5
0
Share buybacks
-0.16
-0.13
-2.87
Dividends paid
-0.83
-0.86
-0.89
-0.89
Cash from financing
29.1
19.1
66.5
-17.6
Net change in cash
54.3
1.58
-25.3
-23.6
Free cash flow
3.01
3.92
4.03
2.23
Interest paid
3.04
1.83
1.27
4.19
Income taxes paid
0.86
0.65
0.65
0.8
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to March 31, 2024; growth uses fiscal years. Valuation uses the share price of $16.99 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
20.4%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
3.6%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.9%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
-5.5%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
3.7%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y
-8.5%
EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y
1.3%
Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow growth, 1y
1.6%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
19.4%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y
-44.6%
Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y
-9.5%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
1.6%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
21.4%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
-2.7%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
7.5%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
2.5%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
2.4%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
84.6%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$0.54
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$0.14
Free cash flow / diluted weighted shares.
Operating cash flow per share
$0.89
Cash from operations / diluted weighted shares.
Book value per share
$13.95
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Dividends paid / net income, when net income is positive.
Dividends / FCF
93.8%
Dividends paid / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$123.1M
Share price x shares outstanding.
Enterprise value
$105.8M
Market cap + total debt - cash - short-term investments.
P/E
33.7x
Market cap / net income. Only when net income is positive.
P/B
1.22x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.22x
Market cap / tangible book value, when positive.
P/FCF
132x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
20.3x
Market cap / cash from operations, when positive.
EV/FCF
113x
Enterprise value / free cash flow, when both are positive.
FCF yield
0.8%
Free cash flow / market cap.
Earnings yield
3.0%
Net income / market cap (the inverse of P/E).
Dividend yield
0.7%
Dividends paid over the period / market cap.
Shareholder yield
0.7%
(Dividends paid + share buybacks) / market cap.
PEG
26.6x
P/E / EPS growth per year over 3 years (in percent). Only when both are positive.
Was Cullman Bancorp, Inc. /MD/ profitable in fiscal 2023?
Yes. Net income was $4.0M, a net margin of -.
How much free cash flow did Cullman Bancorp, Inc. /MD/ generate in fiscal 2023?
Cash from operations of $5.9M minus capital expenditures of $3.6M left free cash flow of $2.2M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.