Catalyst BancorpCLST -1.69%71 Return-on-Tangible-Asset is 0.78% as of Mar. 2026, which is 290% above its 10-year median of 0.20. GuruFocus rates CLST with a GF Score™ of 71/100 and a GF Value™ of $19.07 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, Catalyst Bancorp ranks worse than 66.99% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Catalyst Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $2.23 Mil. Catalyst Bancorp's average total tangible assets for the quarter that ended in Mar. 2026 was $285.72 Mil. Therefore, Catalyst Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.78%.
The historical rank and industry rank for Catalyst Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
CLST'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.13 Med: 0.2 Max: 0.75
Current: 0.72
During the past 7 years, Catalyst Bancorp's highest Return-on-Tangible-Asset was 0.75%. The lowest was -1.13%. And the median was 0.20%.
CLST's Return-on-Tangible-Asset is ranked worse than 66.99% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs CLST: 0.72
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Catalyst Bancorp Return-on-Tangible-Asset Related Terms
Catalyst Bancorp Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Catalyst Bancorp's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Catalyst Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Catalyst Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Catalyst Bancorp's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.78% mean?
Catalyst Bancorp (CLST) has a Return-on-Tangible-Asset of 0.78% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Catalyst Bancorp and its competitors. This is 290% above median its historical median of 0.20. According to the industry distribution chart, Catalyst Bancorp ranks #1025 out of 1530 companies in the Banks industry, placing it in the top 67%.
Is Catalyst Bancorp's Return-on-Tangible-Asset too high?
Catalyst Bancorp's current Return-on-Tangible-Asset of 0.78% is 290% above median its 10-year median of 0.20. The Banks industry median Return-on-Tangible-Asset is 0.99. Catalyst Bancorp's value of 0.78% is 21.2% below this industry median. Based on the distribution chart, Catalyst Bancorp ranks #1025 out of 1530 companies in the Banks industry, which is below 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 Return-on-Tangible-Asset compare to LSFG and SMAL?
According to the Banks industry distribution chart, Catalyst Bancorp ranks #1025 out of 1530 companies for Return-on-Tangible-Asset. This places Catalyst Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Catalyst Bancorp's value of 0.78% is 21.2% below this benchmark. While the company's 10-year median is 0.20 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Catalyst Bancorp's current Return-on-Tangible-Asset of 0.78% is 21.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Catalyst Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Catalyst Bancorp's current Return-on-Tangible-Asset is 0.78%, which is 290% above median its own 10-year median of 0.20. 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 $19.07, compared to a current price of $16.28 — trading 14.6% below its estimated fair value. The current Return-on-Tangible-Asset is 0.78%, which is 290% above median its 10-year median of 0.20 and 21.2% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current Return-on-Tangible-Asset is 0.78% 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 $19.07.
GuruFocus considers Catalyst Bancorp to be Modestly Undervalued.
Key valuation signals for CLST:
Return-on-Tangible-Asset: 0.78% (290% above median its 10-year median of 0.20)
GF Value™: $19.07 vs. price of $16.28 (14.6% below fair value)
Industry Position: 21.2% below the Banks median (#1025 of 1530)
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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