Is Catalyst Bancorp, Inc. overvalued or undervalued?

As of 8 September 2025, the valuation grade for Catalyst Bancorp, Inc. moved from expensive to fair. Based on the current metrics, the company appears fairly valued. The P/E ratio stands at 23, while the Price to Book Value is notably low at 0.61, and the EV to EBITDA ratio is 7.45, indicating potential value relative to earnings.
In comparison to its peers, Catalyst Bancorp's P/E ratio of 23 is higher than First Capital, Inc. at 12.46 and CF Bankshares, Inc. at 10.00, both of which are also rated fair. Despite this, the PEG ratio of 0.14 suggests that the stock may be undervalued in terms of growth potential. Over the past year, Catalyst Bancorp has returned 18.91%, slightly outperforming the S&P 500's 17.14%, reinforcing the notion that the stock is positioned well in the current market.