Catalyst BancorpCLST +0.06%71 PB Ratio is 0.82 as of Jul. 01, 2026, which is 21% above its 10-year median of 0.68. GuruFocus rates CLST with a GF Score™ of 71/100 and a GF Value™ of $19.04 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,517 Banks companies, Catalyst Bancorp ranks better than 72.84% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-01), Catalyst Bancorp's share price is $16.56. Catalyst Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $20.26. Hence, Catalyst Bancorp's PB Ratio of today is 0.82.
Warning Sign:
Catalyst Bancorp Inc stock PB Ratio (=0.82) is close to 3-year high of 0.84.
The historical rank and industry rank for Catalyst Bancorp's PB Ratio or its related term are showing as below:
CLST'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 0.68 Max: 1.43
Current: 0.82
During the past 7 years, Catalyst Bancorp's highest PB Ratio was 1.43. The lowest was 0.57. And the median was 0.68.
CLST's PB Ratio is ranked better than 72.84% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs CLST: 0.82
During the past 12 months, Catalyst Bancorp's average Book Value Per Share Growth Rate was 5.70% 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.
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.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Catalyst Bancorp PB Ratio Related Terms
Catalyst Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Catalyst Bancorp's PB Ratio 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.
For the Banks - Regional subindustry, Catalyst Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Catalyst Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Catalyst Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Catalyst Bancorp (CLST) has a PB Ratio of 0.82 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Catalyst Bancorp and its competitors. This is 21% above median its historical median of 0.68. Over the past decade, Catalyst Bancorp's PB Ratio has ranged from 0.57 to 1.43. According to the industry distribution chart, Catalyst Bancorp ranks #412 out of 1517 companies in the Banks industry, placing it in the top 27.2%.
Is Catalyst Bancorp's PB Ratio too high?
Catalyst Bancorp's current PB Ratio of 0.82 is 21% above median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.43. The Banks industry median PB Ratio is 1.09. Catalyst Bancorp's value of 0.82 is 24.8% below this industry median. Based on the distribution chart, Catalyst Bancorp ranks #412 out of 1517 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to LSFG and SMAL?
According to the Banks industry distribution chart, Catalyst Bancorp ranks #412 out of 1517 companies for PB Ratio. This puts Catalyst Bancorp in the upper half of its industry. The industry median PB Ratio is 1.09. Catalyst Bancorp's value of 0.82 is 24.8% below this benchmark. Historically, Catalyst Bancorp's own PB Ratio has ranged from 0.57 to 1.43 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Catalyst Bancorp's current PB Ratio of 0.82 is 24.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Catalyst Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Catalyst Bancorp's current PB Ratio is 0.82, which is 21% above median its own 10-year median of 0.68. 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 $19.04, compared to a current price of $16.56 — trading 13% below its estimated fair value. The current PB Ratio is 0.82, which is 21% above median its 10-year median of 0.68 and 24.8% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current PB Ratio is 0.82 as of Jul. 01, 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 $16.56 is trading 13% below its estimated GF Value™ of $19.04.
GuruFocus considers Catalyst Bancorp to be Modestly Undervalued.
Key valuation signals for CLST:
PB Ratio: 0.82 (21% above median its 10-year median of 0.68)
GF Value™: $19.04 vs. price of $16.56 (13% below fair value)
Industry Position: 24.8% below the Banks median (#412 of 1517)
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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