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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
Catalyst Bancorp's Sloan Ratio for the quarter that ended in Mar. 2026 was 5.76%.
As of Mar. 2026, Catalyst Bancorp has a Sloan Ratio of 5.76%, indicating the company is in the safe zone and there is no funny business with accruals.
Catalyst Bancorp (NAS:CLST) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Mar. 2026, Catalyst Bancorp has a Sloan Ratio of 5.76%, indicating the company is in the safe zone and there is no funny business with accruals.
Catalyst Bancorp Sloan Ratio % Related Terms
Catalyst Bancorp Sloan Ratio % Historical Data
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The historical data trend for Catalyst Bancorp's Sloan 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.
CLST vs LSFG, SMAL, ORBN: Sloan Ratio % Comparison
For the Banks - Regional subindustry, Catalyst Bancorp's Sloan Ratio %, along with its competitors' market caps and Sloan 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 Sloan Ratio % vs Banks Industry
For the Banks industry and Financial Services sector, Catalyst Bancorp's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Catalyst Bancorp's Sloan Ratio % falls into.
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Catalyst Bancorp's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Catalyst Bancorp's Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was 0.521 (Jun. 2025 ) + 0.489 (Sep. 2025 ) + 0.456 (Dec. 2025 ) + 0.558 (Mar. 2026 ) = $2.02 Mil.
Catalyst Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was 1.151 (Jun. 2025 ) + 0.912 (Sep. 2025 ) + 0.797 (Dec. 2025 ) + 0.661 (Mar. 2026 ) = $3.52 Mil.
Catalyst Bancorp's Cash Flow from Investing for the trailing twelve months (TTM) ended in Mar. 2026 was -2.284 (Jun. 2025 ) + -12.687 (Sep. 2025 ) + -10.958 (Dec. 2025 ) + 7.828 (Mar. 2026 ) = $-18.10 Mil.
* 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 Sloan Ratio % of 5.76% as of Mar. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Catalyst Bancorp and its competitors.
Is Catalyst Bancorp's Sloan Ratio % too high?
Catalyst Bancorp's current Sloan Ratio % is 5.76%. 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 Sloan Ratio % compare to LSFG and SMAL?
Catalyst Bancorp's Sloan Ratio % of 5.76% 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 Sloan Ratio % for a Banks company?
A good Sloan Ratio % depends on the Banks industry context. However, Sloan Ratio % 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 Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Catalyst Bancorp and its competitors. Catalyst Bancorp's current Sloan Ratio % is 5.76%. 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 $19.16, compared to a current price of $16.75 — trading 12.6% below its estimated fair value. The current Sloan Ratio % is 5.76%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Catalyst Bancorp (CLST), the current Sloan Ratio % is 5.76% 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 $19.16.
GuruFocus considers Catalyst Bancorp to be Modestly Undervalued.
Key valuation signals for CLST:
Sloan Ratio %: 5.76%
GF Value™: $19.16 vs. price of $16.75 (12.6% 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.
64GF Score
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