William Peinhardt - Cullman Bancorp Independent Director
| CULL Stock | USD 10.40 0.00 0.00% |
Director
Dr. William F. Peinhardt is Independent Director of Cullman Bancorp Inc. He is President of Cullman Internal Medicine and serves as Medical Director of Cardiopulmonary Rehabilitation at Cullman Regional Medical Center. He was State President of the American Heart Association from 19801981. He is an active member of St. Andrews Methodist Church. He is also active in various conservation, environmental and forestry efforts. since 1999.
| Age | 63 |
| Tenure | 25 years |
| Professional Marks | Ph.D |
| Address | 316 Second Avenue SW, Cullman, AL, United States, 35055 |
| Phone | 256 734 1740 |
| Web | https://www.cullmansavingsbank.com |
Cullman Bancorp Management Efficiency
The value of Return On Tangible Assets is estimated to slide to 0.01. The value of Return On Capital Employed is expected to slide to 0.01. At this time, Cullman Bancorp's Total Current Assets are quite stable compared to the past year. Other Current Assets is expected to rise to about 45 M this year, although the value of Total Assets will most likely fall to about 319.2 M. Cullman Bancorp's management efficiency ratios could be used to measure how well Cullman Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
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Management Performance
| Return On Equity | 0.0392 | ||||
| Return On Asset | 0.0095 |
Cullman Bancorp Leadership Team
Elected by the shareholders, the Cullman Bancorp's board of directors comprises two types of representatives: Cullman Bancorp inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Cullman. The board's role is to monitor Cullman Bancorp's management team and ensure that shareholders' interests are well served. Cullman Bancorp's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Cullman Bancorp's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Taira Ugarkovich, Executive COO | ||
| Paul Bussman, Independent Director | ||
| William Peinhardt, Independent Director | ||
| Michael Duke, CFO, Principal Accounting Officer, Sr. VP and CFO of Cullman Savings Bank | ||
| John III, President Chairman | ||
| Robin OBerry, Sr. VP, Secretary, Sr. VP of Cullman Savings Bank and Secretary of Cullman Savings Bank | ||
| Katrina Stephens, CFO VP | ||
| Nancy McClellan, Independent Director | ||
| Alan Wood, Executive VP, Director of Lending and Executive VP of Cullman Savings Bank | ||
| John Riley, CEO and Presidentident, Director | ||
| Kim Chaney, Independent Chairman of the Board | ||
| Robin Parson, Sr. VP, Sr. VP of Cullman Savings Bank and Director of Savings - Cullman Savings Bank |
Cullman Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Cullman Bancorp a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.0392 | ||||
| Return On Asset | 0.0095 | ||||
| Profit Margin | 0.24 % | ||||
| Operating Margin | 0.27 % | ||||
| Current Valuation | 94.65 M | ||||
| Shares Outstanding | 7.27 M | ||||
| Shares Owned By Insiders | 27.22 % | ||||
| Shares Owned By Institutions | 12.13 % | ||||
| Number Of Shares Shorted | 5.06 K | ||||
| Price To Earning | 7.56 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Cullman Bancorp in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Cullman Bancorp's short interest history, or implied volatility extrapolated from Cullman Bancorp options trading.
Pair Trading with Cullman Bancorp
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Cullman Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Cullman Bancorp will appreciate offsetting losses from the drop in the long position's value.Moving against Cullman Stock
| 0.82 | DB | Deutsche Bank AG Earnings Call This Week | PairCorr |
| 0.81 | CFG-PD | Citizens Financial | PairCorr |
| 0.77 | RF | Regions Financial Earnings Call Tomorrow | PairCorr |
| 0.67 | TECTP | Tectonic Financial | PairCorr |
| 0.49 | CFG-PE | Citizens Financial | PairCorr |
The ability to find closely correlated positions to Cullman Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Cullman Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Cullman Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Cullman Bancorp to buy it.
The correlation of Cullman Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Cullman Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Cullman Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Cullman Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Cullman Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis. For more information on how to buy Cullman Stock please use our How to buy in Cullman Stock guide.You can also try the Volatility Analysis module to get historical volatility and risk analysis based on latest market data.
Complementary Tools for Cullman Stock analysis
When running Cullman Bancorp's price analysis, check to measure Cullman Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Cullman Bancorp is operating at the current time. Most of Cullman Bancorp's value examination focuses on studying past and present price action to predict the probability of Cullman Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Cullman Bancorp's price. Additionally, you may evaluate how the addition of Cullman Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is Cullman Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Cullman Bancorp. If investors know Cullman will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Cullman Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.25) | Dividend Share 0.12 | Earnings Share 0.54 | Revenue Per Share 2.38 | Quarterly Revenue Growth (0.09) |
The market value of Cullman Bancorp is measured differently than its book value, which is the value of Cullman that is recorded on the company's balance sheet. Investors also form their own opinion of Cullman Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Cullman Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Cullman Bancorp's market value can be influenced by many factors that don't directly affect Cullman Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Cullman Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Cullman Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Cullman Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.