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Catalyst Bancorp, Inc (CLST) Fair Value & Analysis

Financial Services · US · Market cap $66.6M

Price$16.50
Fair Value$6.58
Upside-60.1%
Quality95/100
Evidence: High Range $4.94 – $8.23

Fair value as of: Jun 26, 2026

Analysis

Catalyst Bancorp, Inc (CLST) currently trades at $16.50, while our model-based Fair Value estimate is $6.58 — implying the stock looks roughly 60.1% 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

Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking products and services to individuals and businesses in Louisiana. The company accepts various deposit products, including demand and NOW accounts, money market accounts, savings accounts, and certificates of deposit. It offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans, consumer loans, and other loans. In addition, the company invests in various types of securities, such as mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. Catalyst Bancorp, Inc. was founded in 1922 and is headquartered in Opelousas, Louisiana.

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Frequently asked questions

Is Catalyst Bancorp, Inc (CLST) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $6.58 versus a price of $16.50 — about −60% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CLST?
Our 21-model fair value for Catalyst Bancorp, Inc is $6.58 (as of Jun 26, 2026), built from audited fundamentals. The current price is $16.50.
What is the quality score of CLST?
Catalyst 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.