Catalyst Bancorp Inc (CLST) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Catalyst Bancorp Inc stock $9.82, price $17.50, that is 43.9% below the price, quality 71 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
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Catalyst Bancorp Inc
CLST · USOur calculation puts a fair price 44% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $9.33 – $18.15 · fair‑value band $7.37 – $12.28 · the $17.50 price screens above the $9.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking products and services to individuals and businesses in Louisiana.
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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 $17.50, while our model-based Fair Value estimate is $9.82, 44% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $13.53 per share, and 0 of the 4 models we run sit above the $17.50 price.
Bear case: the Multiples group reads lowest at $9.82, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $7.37 (bear) to $12.28 (bull), the price of $17.50 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 71/100 (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 $70.8M Micro · P/E ratio 25.4 · P/S ratio 6.11 · EPS (TTM) $0.6900 · Net margin 17.5% · Return on equity 2.5% · Return on assets (EBIT) 0.1% (5-year average) · Operating margin 22.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −44%, CLST screens richer than that median.
Fair Value models
All 4 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $130,147, on Nov 4, 2026. Over the same period, one person sold shares worth $96,240.
- BuyKirk E. KleiserDirector2× since Jun 10, 2026: 7,904 shares, avg. $16.47$130,147Nov 4, 2026
- SaleKirk E. KleiserDirector6,000 shares at $16.04$96,240Jun 10, 2026
Plus 14 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
CLST screens overvalued: fair value 44% below the price. Compare with China Merchants Bank Co →
Compare Catalyst Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
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 · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Quality Score by industry
- Return on equity by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CLST |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CLST |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CLST |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CLST |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CLST |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CLST |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs CLST |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CLST |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CLST |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CLST |
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