Is Cullman Bancorp, Inc. overvalued or undervalued?

As of 11 August 2025, the valuation grade for Cullman Bancorp, Inc. has moved from very expensive to expensive. The company appears to be overvalued, with a P/E ratio of 21, a Price to Book Value of 0.79, and an EV to EBIT of 23.21. In comparison to its peers, Cullman Bancorp's P/E ratio is higher than that of BV Financial, Inc. at 15.53 and First Capital, Inc. at 12.46, indicating a relative overvaluation in the market.
Despite showing positive returns in the short term, with a year-to-date return of 19.33% compared to the S&P 500's 12.22%, the long-term performance is concerning, as both the 3-year and 5-year returns are significantly negative at 3.44% and -59.21%, respectively. This stark contrast suggests that while recent performance may seem favorable, the overall valuation and long-term outlook for Cullman Bancorp, Inc. do not support a bullish stance.