/
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Savings institutions, not federally chartered company · MD · FY ends Dec · $934K FCF
$17.00
$0.05 (-0.29%)
EOD Sep 15, 2026
At 34x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
34.0x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
$4M
▼ -5.5% YoY
Net Margin
—
P/E
34.0x
Balance Sheet
Total Assets
$421M
Equity
$101M
Total Debt
$10M
Cash & Equiv.
$17M
Continue Research
SourceComputed from the 10-Q filed 14 May 2024, covering the period ending 31 Mar 2024, as reported to the SEC. Data last refreshed 12 Aug 2026. How this is calculated.
Price from market data, last close as of 15 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 34.0 and a price-to-free-cash-flow of 123.5, Cullman Bancorp (CULL) trades above a two-stage DCF intrinsic value of about $3.47 per share, so at $17.00 the stock looks overvalued (79.6% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Cullman Bancorp scores 53/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 0.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $3.47 per share for CULL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $2.60. At today's $17.00, that puts the stock about 79.6% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Cullman Bancorp scores 53 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Cullman Bancorp pays a regular dividend of about $0.13 per share per year (typically in quarterly installments), a yield of roughly 0.8% at the current price. That is a payout ratio of about 24.0% of earnings, so the dividend is amply covered by earnings. Cullman Bancorp has grown the dividend at roughly 2.2% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For CULL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. CULL currently trades above its estimated intrinsic value and scores 53/100 on quality (mixed). It also yields about 0.8%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.