Is Cullman Bancorp, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Cullman Bancorp, Inc. has moved from very expensive to expensive. The company appears to be overvalued based on its current valuation metrics. The P/E ratio stands at 21, which is higher than the peer average of 19.53 for comparable companies such as BV Financial, Inc. with a P/E of 15.53 and First Capital, Inc. at 12.46. Additionally, Cullman Bancorp's price to book value is 0.79, while its EV to EBITDA ratio is 23.21, indicating a premium valuation compared 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 is concerning, with a five-year return of -48.89% compared to the S&P 500's 91.29%. This discrepancy suggests that while the company has shown some short-term resilience, its overall valuation remains elevated relative to its peers and historical performance.