Catalyst BancorpCLST +0.06%71 Pretax Margin % is 23.61% as of Mar. 2026, which is 264% above its 10-year median of 6.49. 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 1,528 Banks companies, Catalyst Bancorp ranks worse than 77.36% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Catalyst Bancorp Pretax Margin % Related Terms
Catalyst Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Catalyst Bancorp's Pretax Margin % 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: Pretax Margin % Comparison
For the Banks - Regional subindustry, Catalyst Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Catalyst Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Catalyst Bancorp's Pretax Margin % 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 Pretax Margin % of 23.61% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Catalyst Bancorp and its competitors. This is 264% above median its historical median of 6.49. According to the industry distribution chart, Catalyst Bancorp ranks #1182 out of 1528 companies in the Banks industry, placing it in the top 77.4%.
Is Catalyst Bancorp's Pretax Margin % too high?
Catalyst Bancorp's current Pretax Margin % of 23.61% is 264% above median its 10-year median of 6.49. The Banks industry median Pretax Margin % is 34.72. Catalyst Bancorp's value of 23.61% is 32% below this industry median. Based on the distribution chart, Catalyst Bancorp ranks #1182 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Pretax Margin % compare to LSFG and SMAL?
According to the Banks industry distribution chart, Catalyst Bancorp ranks #1182 out of 1528 companies for Pretax Margin %. This places Catalyst Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.72. Catalyst Bancorp's value of 23.61% is 32% below this benchmark. While the company's 10-year median is 6.49 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Catalyst Bancorp's current Pretax Margin % of 23.61% is 32% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Catalyst Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Catalyst Bancorp's current Pretax Margin % is 23.61%, which is 264% above median its own 10-year median of 6.49. 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 Pretax Margin % is 23.61%, which is 264% above median its 10-year median of 6.49 and 32% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current Pretax Margin % is 23.61% 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 $16.56 is trading 13% below its estimated GF Value™ of $19.04.
GuruFocus considers Catalyst Bancorp to be Modestly Undervalued.
Key valuation signals for CLST:
Pretax Margin %: 23.61% (264% above median its 10-year median of 6.49)
GF Value™: $19.04 vs. price of $16.56 (13% below fair value)
Industry Position: 32% below the Banks median (#1182 of 1528)
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
Get the complete analysis for CLST
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CLST has been successfully added to your 
