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Cullman Bancorp, Inc (CULL) Fair Value & Analysis

Financial Services · US · Market cap $89.1M

Price$15.50
Fair Value$9.15
Upside-41.0%
Quality95/100
Evidence: High Range $6.86 – $11.44

Fair value as of: Jun 26, 2026

Analysis

Cullman Bancorp, Inc (CULL) currently trades at $15.50, while our model-based Fair Value estimate is $9.15 — implying the stock looks roughly 41.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various financial products and services in the United States. It offers personal and business checking accounts; personal savings accounts comprising kids club, Christmas club, certificates of deposits, and individual retirement accounts; business savings accounts; debit and credit cards; online banking, automated clearinghouse, merchant, and remote deposit capture services; mobile banking and deposit; eStatements; overdraft protection; safe deposit boxes; wire transfers; and cashier's checks. The company also provides personal loans, including mortgage, home equity, land, construction, and personal and auto loans, as well as business loans, such as commercial real estate, term loans, lines of credit, and agricultural loans. Cullman Bancorp, Inc. was founded in 1887 and is based in Cullman, Alabama.

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Frequently asked questions

Is Cullman Bancorp, Inc (CULL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $9.15 versus a price of $15.50 — about −41% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CULL?
Our 21-model fair value for Cullman Bancorp, Inc is $9.15 (as of Jun 26, 2026), built from audited fundamentals. The current price is $15.50.
What is the quality score of CULL?
Cullman Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.