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Intrinsic Value

Catalyst Bancorp, Inc. · CLST

Residual Income

Conservative

More adverse but historically defensible assumptions.

$10.04

Base

The model's central intrinsic-value estimate.

$3.65

Optimistic

More favorable but historically defensible assumptions.

$7.49

Scenarios are the same model run under different but historically defensible assumptions. They are not price targets. Where a valuation gap is shown it is a comparison with a recent close, not a forecast return; where the price is stale, no gap is shown at all.

Model confidence: 63%Valuation as of Sep 21, 2026Latest filing used Mar 31, 2026

Confidence reflects data completeness, accounting quality, and model reliability. It is not a probability of future price.

Valuation drivers
Normalized ROE
0.4%
Cost of equity
9.95%
Terminal ROE
5.2%
Terminal growth
2.50%
Book common equity
$81.7M
Intrinsic common equity
$14.9M
Terminal-value share
-162.0%
Model notes (17)
  • Forecast payout capped at 100% of earnings left the demonstrated range (Base case)
  • Intrinsic value is below book; the forecast return does not cover the cost of equity (Base case)
  • Terminal value is -162% of intrinsic equity value (Base case)
  • Forecast payout capped at 100% of earnings left the demonstrated range (Conservative case)
  • Intrinsic value is below book; the forecast return does not cover the cost of equity (Conservative case)
  • ROTCE unavailable — tangible common equity is not reported(FY2021–FY2025)
  • Intrinsic value is below book; the forecast return does not cover the cost of equity (Optimistic case)
  • Terminal value is -87% of intrinsic equity value (Optimistic case)
  • Net charge-offs unavailable
  • Net interest income to assets is a proxy; average earning assets are unavailable so no net interest margin is published
  • Non-performing loans unavailable
  • Regulatory capital constraint unavailable
  • Share count method: ending shares fallback
  • Terminal return on equity is below the cost of equity; terminal value is negative
  • Year 1 forecast net income negative payout suspended
  • Year 2 forecast net income negative payout suspended
  • Year 3 forecast net income negative payout suspended
Model details
Normalization
V1
Scenario
V2
Confidence
V1
Engine version
valuation-1.0.1-share-units-terminal
Data snapshot
filed:2026-03-31