Is Catalyst Bancorp, Inc. overvalued or undervalued?

As of 10 October 2025, the valuation grade for Catalyst Bancorp, Inc. has moved from attractive to fair. This indicates that the company is fairly valued at this time. Key ratios include a P/E ratio of 23, a Price to Book Value of 0.61, and an EV to EBITDA ratio of 7.45. In comparison, First Capital, Inc. has a P/E ratio of 12.46, while CF Bankshares, Inc. shows a P/E of 10.00, suggesting that Catalyst Bancorp is relatively more expensive than its peers.
In terms of performance, Catalyst Bancorp has delivered a year-to-date return of 13.0%, slightly outperforming the S&P 500's return of 11.41% over the same period. However, over three years, Catalyst's return of 0.38% significantly lags behind the S&P 500's impressive 81.39%, indicating potential challenges in maintaining growth. Overall, the company's current valuation suggests it is fairly positioned within its industry.