Is Cullman Bancorp, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Cullman Bancorp, Inc. moved from very expensive to expensive. The company appears to be overvalued 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, peers such as BV Financial, Inc. have a fair P/E ratio of 15.53, while First Capital, Inc. shows an attractive P/E of 12.46, indicating that Cullman Bancorp is priced higher relative to its peers.
Despite a strong year-to-date return of 20.17%, which outperformed the S&P 500's 13.30%, the long-term performance shows a concerning decline, with a 5-year return of -48.89% compared to the S&P 500's 91.29%. This suggests that while recent performance may seem favorable, the overall valuation does not align with sustainable growth prospects.