Catalyst Bancorp Inc
NASDAQ: CLST · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-04-30
Catalyst Bancorp Inc (CLST) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for CLST.
Current price exceeds what fundamentals support. Risk/reward skewed unfavorably.
CLST historical valuation range
Where current P/E sits in CLST's own 5Y range.
CLST intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
CLST valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 28.55x
P/S Ratio — History
Current: 5.85x
Is CLST overvalued in 2026?
Catalyst Bancorp Inc (CLST) currently trades at $15.96 per share with a market capitalization of $64,892,000.00. Based on our multi-factor framework, the stock appears richly valued with a Smart Value Score of 37/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 28.6x, below its 5-year median of 28.6x.
Looking at its own history, CLST is currently trading more expensive than 50% of the last 5Y on P/E. This places it in the 50th percentile of its historical range, a reasonable but unremarkable position.
A standard DCF model does not produce reliable output for CLST under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
The Piotroski F-Score of 6/9 puts financial quality in a middling range, neither a standout strength nor an obvious red flag.
Bottom line: CLST appears richly valued on our framework, with a Smart Value Score of 37/100. At current levels the risk/reward is skewed against the buyer. A materially lower price or significant operational improvement would be needed to change the picture.
Frequently asked questions
Is CLST overvalued in 2026?
Based on a Smart Value Score of 37/100, CLST appears overvalued. Current price exceeds what fundamentals currently justify.
What is CLST's fair value?
Standard DCF is unreliable for CLST due to its current profitability profile. Revenue-based approaches such as EV/Sales or historical P/S percentile are more informative for this stock.
What P/E ratio does CLST trade at?
CLST trades at a P/E of 28.6x on trailing twelve-month earnings, compared to its 5-year median of 28.6x.
Is CLST a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 37/100 reflects the combined read on growth, quality, and price. The profile skews cautious. Consider waiting for a better price or clearer operational improvement.
How does CLST's valuation compare to its history?
On P/E, CLST currently sits in the 50th percentile of its own 5Y range. That is above its long-run median relative to where it has traded over the period.
What is CLST's Smart Value Score?
CLST's Smart Value Score is 37/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.