Catalyst Bancorp Inc (CLST) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Catalyst Bancorp Inc $7.63, price $17.90, upside -57.4%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
59‑month range $9.33 – $18.15 · fair‑value band $5.73 – $9.54 · the $17.90 price screens above the $7.63 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Catalyst Bancorp Inc (CLST) currently trades at $17.90, while our model-based Fair Value estimate is $7.63, implying the stock looks roughly 134.6% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $13.57 per share, and 0 of the 4 models we run sit above the $17.90 price.
Bear case: the Multiples group reads lowest at $6.61, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $5.73 (bear) to $9.54 (bull), the price of $17.90 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Catalyst Bancorp Inc reported revenue of $15.3M in FY2025 versus $10.1M in FY2021, a compound +11.0%/yr. Reported net income was $2.1M in FY2025, compounding +1.7%/yr from FY2021.
Key figures
Market cap $73.2M · P/E ratio 32.0 · P/S ratio 4.28 · EPS (TTM) $0.5600 · Net margin 13.4% · Return on equity 2.5% · Return on assets (EBIT) 0.1% · Operating margin 22.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −57%, CLST screens richer than that median.
Fair Value models
Bear $5.73Fair Value $7.63Bull $9.54
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4112 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.87/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+55.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+51.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+51.7%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−13% → 16%
2025 sits 579% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1076 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside−57% · Bottom 25%
Profitability
Return on equity (TTM)2% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)17% · Bottom 25%
Operating margin (TTM)22% · Bottom 25%
Growth and dividend
Revenue growth9% · Below median
Balance sheet
Debt / equity0.18× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)32.0× · Priciest 25%
P/B0.90× · Cheaper than median
P/S (TTM)6.31× · Priciest 25%
P/FCF23.6× · Priciest 25%
EV/EBITDA21.4× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)44· sector 45
PAST (return on equity)10· sector 41
HEALTH (low debt)91· sector 85
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Catalyst Bancorp Inc (CLST) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $7.63 versus a price of $17.90, about −57% upside (overvalued).
What is the fair value of CLST?
Our model-based fair value for Catalyst Bancorp Inc is $7.63 (as of Sep 24, 2026), built from audited fundamentals. The current price: $17.90.
What is the quality score of CLST?
Catalyst Bancorp Inc has a Quality Score of 69/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Catalyst Bancorp Inc (CLST)?
Our model-based price target is the fair value of $7.63 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $5.73, optimistic scenario $9.54. It is a calculation from audited fundamentals, not an analyst target.
What is the Catalyst Bancorp Inc stock forecast for 2026?
Our models put fair value at $7.63, about −57% upside versus a price of $17.90 (overvalued). Cautious scenario $5.73, optimistic scenario $9.54. The calculation is refreshed regularly with new filings.
What is the revenue of Catalyst Bancorp Inc (CLST)?
Catalyst Bancorp Inc reported trailing-twelve-month revenue of about $11.6M (latest available figure, as of Sep 24, 2026).
What growth is priced into Catalyst Bancorp Inc (CLST)?
For today's price to be fair in a discounted-cash-flow model, Catalyst Bancorp Inc would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CLST use?
Our models discount Catalyst Bancorp Inc at 11.2 %: a base by market capitalisation (micro), damped by beta 0.11, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Catalyst Bancorp Inc that is less than minus 40 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Catalyst Bancorp Inc (CLST) delivered so far?
Over the past 5 years revenue at Catalyst Bancorp Inc grew +10.6 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Catalyst Bancorp Inc (CLST) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Catalyst Bancorp Inc (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Catalyst Bancorp Inc (CLST)?
The free-cash-flow yield on the price is 4.96 %: that much free cash flow Catalyst Bancorp Inc produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Catalyst Bancorp Inc (CLST)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Catalyst Bancorp Inc it is $7.63 per share (as of Sep 24, 2026), against a price of $17.90. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Catalyst Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CLST trades above its calculated fair value: price $17.90, fair value $7.63, a gap of about −57% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CLST?
No. The price is what the market pays today ($17.90); the fair value is what the company's own numbers justify ($7.63). For Catalyst Bancorp Inc the two are $10.27 per share apart. That gap is exactly why we show both numbers side by side.
How much is Catalyst Bancorp Inc worth?
The market values Catalyst Bancorp Inc at about $73.2M (market capitalisation, as of Sep 24, 2026). Per share that is $17.90; our models calculate a fair value of $7.63 per share.
What do the bullish and bearish scenarios say about CLST?
Our models span a range for Catalyst Bancorp Inc: cautious scenario $5.73, base $7.63, optimistic $9.54 per share (as of Sep 24, 2026, price $17.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CLST?
Catalyst Bancorp Inc trades at a price-to-earnings ratio of 32.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.63 is built from several models across several years. Other multiples: P/B 0.9, P/S 6.3, EV/EBITDA 21.4.
How solid is the balance sheet of Catalyst Bancorp Inc (CLST)?
Balance-sheet figures for Catalyst Bancorp Inc (as of Sep 24, 2026): return on equity 2.5%, debt of 0.18 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is CLST from its 52-week high?
Catalyst Bancorp Inc trades at $17.90, about 1% below its 52-week high of $18.15 and 36% above the low of $13.20 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $7.63 is for.
Which stocks are comparable to Catalyst Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Catalyst Bancorp Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $17.90, calculated fair value $7.63 (−57%), Quality Score 69/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CLST calculated?
We run Catalyst Bancorp Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.63, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Catalyst Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Catalyst Bancorp Inc (CLST)?
The closing price on Sep 24, 2026 was $17.90. Our model-based fair value is $7.63, about −57% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Catalyst Bancorp Inc right now?
The price sits above even our optimistic bull case ($9.54). The favourable scenario is already priced in. Solid but not exceptional quality (69/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Catalyst Bancorp Inc
How large is the market capitalisation of Catalyst Bancorp Inc (CLST)?
The market capitalisation of Catalyst Bancorp Inc is $73.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Catalyst Bancorp Inc (CLST)?
The price-to-sales ratio of Catalyst Bancorp Inc is 4.28 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Catalyst Bancorp Inc (CLST)?
Earnings per share at Catalyst Bancorp Inc are $0.5600 (price ÷ EPS = P/E 32.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Catalyst Bancorp Inc (CLST)?
The net margin of Catalyst Bancorp Inc is 13.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Catalyst Bancorp Inc (CLST)?
The return on equity (ROE) of Catalyst Bancorp Inc is 2.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Catalyst Bancorp Inc (CLST)?
On an EBIT basis the return on assets of Catalyst Bancorp Inc is 0.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Catalyst Bancorp Inc (CLST)?
The operating margin of Catalyst Bancorp Inc is 22.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Catalyst Bancorp Inc (CLST)?
Revenue at Catalyst Bancorp Inc is growing +8.7% versus a year earlier (3y avg +19.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net cash does Catalyst Bancorp Inc (CLST) hold?
Catalyst Bancorp Inc holds more cash than debt, $10.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026