Catalyst Bancorp, Inc. (CLST): fair value, margin of safety and Wheel Score

Is CLST undervalued?

Catalyst Bancorp, Inc. (CLST) closed at 17.88 on 5 Nov 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 24.03, so the price sits 26% below it. 6 of the 8 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

The 8 models disagree widely: DCF gives 2.02 while GLS Growth gives 44.10. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.

Ranked against every other company we cover, CLST is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 56, growth score 89, out of 100).

Nine valuation models for CLST

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Financial health is average - CLST passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 3.2 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.

Returns on capital are thin or negative - ROIC 2.1%, ROE 2.5%, ROA 0.7% - with debt at 0.18 times equity and a free-cash-flow yield of 4.5%.

Catalyst Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.

Institutional ownership scores 4/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 28: No options

CLST has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (28 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 6k shares a day on a market cap of $72M, with a beta of 0.11 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for CLST in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Catalyst Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare CLST with 7 of them   All Financial Services stocks →