Catalyst Bancorp (NAS:CLST) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Catalyst Bancorp Effective Interest Rate on Debt % Related Terms
Catalyst Bancorp Effective Interest Rate on Debt % Historical Data
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The historical data trend for Catalyst Bancorp's Effective Interest Rate on Debt % 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.
Catalyst Bancorp Effective Interest Rate on Debt % Chart
CLST vs LSFG, SMAL, ORBN: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Catalyst Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Catalyst Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Catalyst Bancorp's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 33.48% mean?
Catalyst Bancorp (CLST) has a Effective Interest Rate on Debt % of 33.48% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Catalyst Bancorp and its competitors.
Is Catalyst Bancorp's Effective Interest Rate on Debt % too high?
Catalyst Bancorp's current Effective Interest Rate on Debt % is 33.48%. Overall, Catalyst Bancorp has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Catalyst Bancorp's Effective Interest Rate on Debt % compare to LSFG and SMAL?
Catalyst Bancorp's Effective Interest Rate on Debt % of 33.48% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Catalyst Bancorp and its competitors. Catalyst Bancorp's current Effective Interest Rate on Debt % is 33.48%. 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 $19.06, compared to a current price of $16.28 — trading 14.6% below its estimated fair value. The current Effective Interest Rate on Debt % is 33.48%. Catalyst Bancorp's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current Effective Interest Rate on Debt % is 33.48% 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 $16.28 is trading 14.6% below its estimated GF Value™ of $19.06.
GuruFocus considers Catalyst Bancorp to be Modestly Undervalued.
Key valuation signals for CLST:
Effective Interest Rate on Debt %: 33.48%
GF Value™: $19.06 vs. price of $16.28 (14.6% below fair value)
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.
71GF Score
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