Is Cullman Bancorp, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for Cullman Bancorp, Inc. moved from expensive to fair. The company appears fairly valued based on its current metrics. Key ratios include 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 peers, BV Financial, Inc. has a P/E of 15.53, while First Capital, Inc. shows a more attractive P/E of 12.46, indicating that Cullman Bancorp is positioned reasonably within its industry.
In terms of recent performance, Cullman Bancorp has outperformed the S&P 500 year-to-date with a return of 20.17% compared to the S&P 500's 14.18%. However, over the longer term, the stock has underperformed significantly, with a 5-year return of -48.89% versus the S&P 500's 100.56%. This mixed performance suggests that while the stock may be fairly valued currently, caution is warranted given its historical volatility.