Cullman Bancorp, Inc. (CULL) Fair Value 2026

CULL · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Cullman Bancorp, Inc. (CULL) trades at $16.70, versus a $7.65 median fair value across its 6 active models — 54.2% below the current price. QOC: 7.2/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CULL
Price
$16.70
Quality Score
7.2/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Cullman Bancorp, Inc. (CULL) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Cullman Bancorp, Inc. (CULL) appears overvalued as of : the median of 6 independent fair value estimates is $7.65, 54.2% below the current price of $16.70. Estimates range from $6.48 to $8.41. CULL scores 7.2/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CULL’s -54.2% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Cullman Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CULL?

6 Intrinsic Value Models vs. Current Price ($16.70)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $7.08 -57.6%
Ensemble · Medium Conviction
 $7.83 -53.1%
Intrinsic · Medium Conviction
 $8.41 -49.6%
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What Is CULL's Fair Value Range?

Spread across 6 independent models · $6.48 to $8.41

CirclFi's 6 active models place Cullman Bancorp, Inc. (CULL) between $6.48 and $8.41 per share, a spread of 25% of the median. The median of that range — $7.65 — is the fair value CirclFi publishes for CULL, against a current price of $16.70.

Low · FTNNHigh · Markov DDM
$6.48median $7.65$8.41
Where the range comes from
Most bearish modelFTNN Topology$6.48
Most bullish modelMarkov DDM$8.41
Model agreement0 bullish · 6 bearishtight

The methods largely agree on CULL. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

Every figure above is one model's standalone output on CULL, not a CirclFi price target. How each model works →

What Is Cullman Bancorp, Inc. (CULL) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Cullman Bancorp, Inc.'s intrinsic value is estimated at $7.65. Trading at its current price of $16.70, the valuation engine raises significant caution: 6 of 6 models flag downside risk, projecting a median implied return of -54.2%.

What Do the Models Say About CULL?

6 of 13 models are currently active for CULL. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for CULL is $7.65 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CULL Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CULL ranks #289 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For Cullman Bancorp, Inc., metrics like deposit growth provide important context that general-purpose valuation models may underweight.

Is CULL a Value Trap?

CirclFi's Value Trap algorithm assigns CULL a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Cullman Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Cullman Bancorp, Inc. scores 7.2 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

Models cluster within a tight range (+11.6% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CULL valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CULL's 6 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Cullman Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

SFNCSimmons First National CorporationQOC 7.2UBCPUnited Bancorp, Inc.QOC 7.2QNTOQuaint Oak Bancorp, Inc.QOC 7.2HYNEHoyne Bancorp, Inc.QOC 7.2ECBKECB Bancorp, Inc.QOC 7.2KRNYKearny Financial Corp.QOC 7.2FCAPFirst Capital, Inc.QOC 8.7DCOMDime Commercial Bancshares, Inc.QOC 8.3SFSTSouthern First Bancshares, Inc.QOC 7.9ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: SFNC · UBCP · QNTO · HYNE · ECBK · KRNY · FCAP · DCOM · SFST · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CULL?

7 companies across all industries closest to CULL’s Quality of Company score of 7.2/10.

FSIFlexible Solutions International, Inc.QOC 7.2CVICVR Energy, Inc.QOC 7.2FTSFortis Inc.QOC 7.2PCGPG&E CorporationQOC 7.2UNMUnum GroupQOC 7.2NXSTNexstar Media Group, Inc.QOC 7.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FSI · CVI · FTS · PCG · UNM · NXST · NVDA

Where Does CULL Sit in CirclFi's Banks - Regional Rankings?

CULL is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Cullman Bancorp, Inc.’s Valuation?

What is Cullman Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Cullman Bancorp, Inc. (CULL)'s intrinsic value at $7.65 — the median of 6 independent model estimates as of 2026-08-27, ranging from $6.48 to $8.41. The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CULL overvalued or undervalued right now?

At $16.70, 0 of 6 active models suggest CULL may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $7.65, 54.2% below the current price of $16.70 — a consensus view that CULL is overvalued. The assessment depends on which methodology best fits Cullman Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.2 mean for CULL?

Cullman Bancorp, Inc.'s QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CULL?

CirclFi analyzes CULL with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CULL?

Of the 6 models currently active on CULL, Markov DDM is the most bullish at $8.41 per share, and FTNN Topology is the most bearish at $6.48. CirclFi's published fair value for CULL is the median of that range, $7.65, not either extreme. The gap between the two ends equals 25% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CULL a value trap in 2026?

Cullman Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Cullman Bancorp, Inc. (CULL) has a median fair value of $7.65 — 54.2% below the current price of $16.70 — as of 2026-08-27.” Source: circlfi.com/stock/CULL/ · Methodology
Primary sources for this CULL valuation
  • Financial statements: Cullman Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001845799) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CULL as of ; valuations recomputed .

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