Cullman Bancorp, Inc. /MD/ (CULL)
Savings Institutions, Not Federally Chartered · Financial Services · $112M
Intrinsic Value (Consensus)
$8.24
Current Price
$15.48
Margin of Safety
-46.8%
46.8% Above Intrinsic Value
Value: $8
Price: $15
Valuation Model Estimates
Current Price: $15.48
DCF (Discounted Cash Flow)
$3.89
Graham Number
$13.04
Earnings Power Value
$5.24
Relative Value (P/E)
$10.80
Dividend Discount Model
Not applicable
—
Consensus Value
$8.24
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
40
Profitability
12/25
Strength
17/25
Valuation
7/25
Growth
4/25
Key Financials
- EPS (TTM)
- $0.54
- EPS (Forward)
- $0.55
- Book Value
- $14.00
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 3.9%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance