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Catalyst BancorpCLST -1.47%64 Debt-to-Equity is 0.12 as of Mar. 2026, which is at its 10-year median of 0.12. GuruFocus rates CLST with a GF Score™ of 64/100 and a GF Value™ of $19.17 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,423 Banks companies, Catalyst Bancorp ranks better than 85.03% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Catalyst Bancorp's Debt-to-Equity or its related term are showing as below:
CLST'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.12 Max: 0.18
Current: 0.12
During the past 7 years, the highest Debt-to-Equity Ratio of Catalyst Bancorp was 0.18. The lowest was 0.11. And the median was 0.12.
CLST's Debt-to-Equity is ranked better than 85.03% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs CLST: 0.12
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Catalyst Bancorp Debt-to-Equity Related Terms
Catalyst Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Catalyst Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CLST vs LSFG, SMAL, ORBN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Catalyst Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Catalyst Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Catalyst Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Catalyst Bancorp (CLST) has a Debt-to-Equity of 0.12 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Catalyst Bancorp and its competitors. This is near median its historical median of 0.12. Over the past decade, Catalyst Bancorp's Debt-to-Equity has ranged from 0.11 to 0.18. According to the industry distribution chart, Catalyst Bancorp ranks #213 out of 1423 companies in the Banks industry, placing it in the top 15%.
Is Catalyst Bancorp's Debt-to-Equity too high?
Catalyst Bancorp's current Debt-to-Equity of 0.12 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.18. The Banks industry median Debt-to-Equity is 0.56. Catalyst Bancorp's value of 0.12 is 78.6% below this industry median. Based on the distribution chart, Catalyst Bancorp ranks #213 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Catalyst Bancorp has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Catalyst Bancorp's Debt-to-Equity compare to LSFG and SMAL?
According to the Banks industry distribution chart, Catalyst Bancorp ranks #213 out of 1423 companies for Debt-to-Equity. This places Catalyst Bancorp in the top 15% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Catalyst Bancorp's value of 0.12 is 78.6% below this benchmark. Historically, Catalyst Bancorp's own Debt-to-Equity has ranged from 0.11 to 0.18 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Catalyst Bancorp's current Debt-to-Equity of 0.12 is 78.6% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Catalyst Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Catalyst Bancorp's current Debt-to-Equity is 0.12, which is near median its own 10-year median of 0.12. 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 Modestly Undervalued. The stock's GF Value™ is $19.17, compared to a current price of $16.75 — trading 12.6% below its estimated fair value. The current Debt-to-Equity is 0.12, which is near median its 10-year median of 0.12 and 78.6% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current Debt-to-Equity is 0.12 as of Mar. 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 $16.75 is trading 12.6% below its estimated GF Value™ of $19.17.
GuruFocus considers Catalyst Bancorp to be Modestly Undervalued.
Key valuation signals for CLST:
Debt-to-Equity: 0.12 (near median its 10-year median of 0.12)
GF Value™: $19.17 vs. price of $16.75 (12.6% below fair value)
Industry Position: 78.6% below the Banks median (#213 of 1423)
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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