US · CLST
Catalyst Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Opelousas, LA 70570
- Website
- stlandryhomestead.com
Price · as of 2025-12-31
$15.95
Market cap 67.88M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $414.53 | +2,498.93% |
| Intrinsic Value(DCF) | $51.47 | +222.7% |
| Graham-Dodd Method(GD) | $24.71 | +54.9% |
| Graham Formula(GF) | $33.69 | +111.21% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $8.89 | $0.00 | |||
| 2021 | $13.70 | $54.73 | $23.31 | $22.45 | $6.58 |
| 2022 | $12.51 | $269.31 | $18.97 | $19.87 | $0.00 |
| 2023 | $11.75 | $82.37 | $19.44 | $20.28 | $3.57 |
| 2024 | $11.68 | $153.16 | $18.55 | $16.44 | $1.27 |
| 2025 | $16.45 | $414.53 | $264.57 | $24.71 | $33.69 |
AI valuation
Our deep-learning model estimates Catalyst Bancorp, Inc.'s (CLST) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $414.53
- Current price
- $15.95
- AI upside
- +2,498.93%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$51.47
+222.7% upside
Graham-Dodd
$24.71
+54.9% upside
Graham Formula
$33.69
+111.21% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CLST | Catalyst Bancorp, Inc. | $15.95 | 67.88M | +2,499% | +223% | +55% | +111% | 29.85 | 0.75 | 3.99 | 30.34 | — | 0.75 | 72.84% | 16.32% | 13.38% | 2.53% | 2.89% | 0.73% | 0.18 | 0.61 | 0.36 | 0.00 | 5.88 | -17179.00% | 5533.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.34 | — | 4.95 | 0.32 |
| ASRV | AmeriServ Financial, Inc. | $3.80 | 62.78M | +2,076% | +37% | +107% | +12% | 11.24 | 0.55 | 0.71 | 13.35 | 18.16 | 0.62 | 62.41% | 7.69% | 6.35% | 5.04% | 6.29% | 0.39% | 0.70 | 0.23 | 0.04 | 0.04 | 9.73 | 6190.00% | 457.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 28.20% | 13.35 | — | 1.03 | -0.88 |
| BYFC | Broadway Financial Corpor… | $7.75 | 71.16M | +1,299% | +158% | +253% | -12% | 33.53 | 0.23 | 1.00 | 60.27 | — | 0.25 | 49.87% | 4.23% | 2.95% | 0.69% | 0.57% | 0.14% | 1.03 | 0.09 | 0.19 | 0.19 | 65.78 | -9216.00% | 2456.00% | -8301.00% | 1.92% | 0.00 | 0.36% | 2.39% | 80.20% | 93.16% | 76.81 | 169.48 | 3.25 | -0.49 |
| CASH | Pathward Financial, Inc. | $90.79 | 2.03B | -43% | +14% | -33% | -9% | 9.31 | 2.03 | 2.54 | 2.43 | 100.03 | 3.17 | 90.02% | 32.55% | 27.13% | 22.00% | -44.35% | 2.54% | 0.05 | 19.23 | 0.22 | 0.22 | -0.28 | 931.00% | 244.00% | 3383.00% | 13.61% | 0.08 | -56.17% | 0.27% | 2.50% | 28.64% | 3.08 | 2.91 | 1.00 | -0.34 |
| FDSB | Fifth District Savings Ba… | $14.92 | 82.4M | +3,813% | +28% | +57% | — | -58.71 | 0.50 | 3.28 | -34.20 | — | 0.50 | 58.47% | -7.45% | -5.59% | -1.06% | -2.61% | -0.21% | 0.00 | -0.16 | 0.10 | 0.10 | 51.10 | -25000.00% | 1093.00% | 4065.00% | -2.47% | 0.00 | -3.79% | 0.00% | 0.00% | 35.72% | -17.67 | -16.23 | 1.32 | -0.46 |
| HFBL | Home Federal Bancorp, Inc… | $19.02 | 58.46M | +52% | +68% | -19% | -64% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| NSTS | NSTS Bancorp, Inc. | $12.25 | 64.18M | +1,566% | +1,034% | +21% | — | -76.88 | 0.79 | 5.04 | -73.60 | — | 0.79 | 72.46% | -6.56% | -6.56% | -1.02% | -1.26% | -0.29% | 0.42 | -0.24 | 0.34 | 0.34 | 46.67 | -7975.00% | 8624.00% | -1082235.00% | 15.03% | 0.06 | 14.58% | 0.00% | 0.00% | 38.94% | -46.27 | 4.01 | 3.03 | -0.05 |
| PBBK | PB Bankshares, Inc. | $19.81 | 47.04M | +1,370% | +14% | +25% | -3% | 21.55 | 0.78 | 1.58 | -1.37 | — | 0.78 | 48.81% | 9.31% | 7.34% | 3.71% | 15.66% | 0.40% | 0.90 | 0.18 | 0.25 | 0.25 | 2.69 | -130.00% | 1775.00% | -5563.00% | 3.77% | 0.01 | 12.71% | 0.00% | 0.00% | 82.72% | -1.58 | -2.47 | -0.15 | -0.50 |
| TCBS | Texas Community Bancshare… | $16.70 | 48.68M | +348% | -4% | -22% | — | -35.74 | 0.90 | 2.24 | -6.29 | -42.89 | 0.90 | 51.72% | -8.55% | -6.26% | -2.47% | -8.00% | -0.29% | 0.96 | -0.18 | 0.27 | 0.27 | -29.89 | 8333.00% | 779.00% | -12234.00% | 1.59% | 0.01 | 4.54% | 1.08% | -38.60% | 53.86% | -4.27 | 10.27 | 0.36 | -0.46 |
About Catalyst Bancorp, Inc.
Catalyst Bancorp, Inc. operates as a holding company for St. Landry Homestead Federal Savings Bank that provides banking products and services in the Acadiana region of south-central Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers one- to four-family residential mortgage, commercial real estate loans and multi-family residential, construction and land, commercial and industrial, and consumer loans. In addition, the company invests in various types of securities comprising 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. It operates through six full-service branches located in Carencro, Eunice, Lafayette, Opelousas, and Port Barre. The company was founded in 1922 and is headquartered in Opelousas, Louisiana.
- CEO
- Joseph Zanco
- Employees
- 49
- Beta
- 0.18
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($51.47 ÷ $15.95) − 1 = +222.7% (DCF, example).