Cullman Bancorp, Inc. /MD/ (CULL)
Savings Institutions, Not Federally Chartered · Financial Services · $78M
Intrinsic Value (Consensus)
$8.24
Current Price
$10.80
Margin of Safety
-23.7%
23.7% Above Intrinsic Value
Value: $8
Price: $11
Valuation Model Estimates
Current Price: $10.80
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%.
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
Data last updated: 2026-06-12
Source: Yahoo Finance