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Catalyst BancorpCLST +0.12%64 3-Year Book Growth Rate is 6.20% as of Jun. 2026, which is 53% below its 10-year median of 13.15. GuruFocus rates CLST with a GF Score™ of 64/100 and a GF Value™ of $18.20 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,492 Banks companies, Catalyst Bancorp ranks worse than 66.42% on this metric.
During the past 12 months, Catalyst Bancorp's average Book Value per Share Growth Rate was 4.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 10.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of Catalyst Bancorp was 23.00% per year. The lowest was -2.50% per year. And the median was 13.15% per year.
Catalyst Bancorp (NAS:CLST) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Catalyst Bancorp 3-Year Book Growth Rate Related Terms
CLST vs HFBL, SMAL, NSTS: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Catalyst Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Catalyst Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Catalyst Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Catalyst Bancorp's 3-Year Book Growth Rate falls into.
Catalyst Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.20% mean?
Catalyst Bancorp (CLST) has a 3-Year Book Growth Rate of 6.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Catalyst Bancorp and its competitors. This is 53% below median its historical median of 13.15. According to the industry distribution chart, Catalyst Bancorp ranks #991 out of 1492 companies in the Banks industry, placing it in the top 66.4%.
Is Catalyst Bancorp's 3-Year Book Growth Rate too high?
Catalyst Bancorp's current 3-Year Book Growth Rate of 6.20% is 53% below median its 10-year median of 13.15. The Banks industry median 3-Year Book Growth Rate is 8.80. Catalyst Bancorp's value of 6.20% is 29.5% below this industry median. Based on the distribution chart, Catalyst Bancorp ranks #991 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Catalyst Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Catalyst Bancorp's 3-Year Book Growth Rate compare to HFBL and SMAL?
According to the Banks industry distribution chart, Catalyst Bancorp ranks #991 out of 1492 companies for 3-Year Book Growth Rate. This places Catalyst Bancorp in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Catalyst Bancorp's value of 6.20% is 29.5% below this benchmark. While the company's 10-year median is 13.15 vs. the industry median of 8.80, Catalyst Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Catalyst Bancorp's current 3-Year Book Growth Rate of 6.20% is 29.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Catalyst Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Catalyst Bancorp's current 3-Year Book Growth Rate is 6.20%, which is 53% below median its own 10-year median of 13.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Catalyst Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Catalyst Bancorp (CLST) is currently considered Fairly Valued. The stock's GF Value™ is $18.20, compared to a current price of $17.41 — trading 4.3% below its estimated fair value. The current 3-Year Book Growth Rate is 6.20%, which is 53% below median its 10-year median of 13.15 and 29.5% below the Banks industry median of 8.80. Catalyst Bancorp's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current 3-Year Book Growth Rate is 6.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Catalyst Bancorp (CLST) Overvalued in 2026?
Based on GuruFocus' analysis, Catalyst Bancorp stock appears to be undervalued.
The current stock price of $17.41 is trading 4.3% below its estimated GF Value™ of $18.20.
GuruFocus considers Catalyst Bancorp to be Fairly Valued.
Key valuation signals for CLST:
3-Year Book Growth Rate: 6.20% (53% below median its 10-year median of 13.15)
GF Value™: $18.20 vs. price of $17.41 (4.3% below fair value)
Industry Position: 29.5% below the Banks median (#991 of 1492)
No single metric tells the full story. See the CLST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Catalyst Bancorp Inc is a bank holding company. Through its subsidiary, which is a federally chartered community-oriented savings bank, it is engaged in attracting deposits from the general public and using those funds to invest in loans and securities. The sources of funds are customer deposits, repayments of loans, maturities of investments, and funds borrowed from outside sources, which are used for the origination of loans. It operates in one reportable segment, which generates income principally from interest on loans and investment securities, as well as from fees charged in connection with various loan and deposit services.
64GF Score
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