Is CATO or DLTH more undervalued in 2026?

CirclFi compares Cato Corporation (The) (CATO) and Duluth Holdings Inc. (DLTH) using 13 institutional-grade valuation models. CATO has a Quality of Company score of 7.8/10 while DLTH scores 5.7/10.

Which is a better buy — CATO or DLTH?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CATO and DLTH valuations compare?

CATO at $3.26 and DLTH at $3.59 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CATO vs DLTH Valuation Comparison 2026 — Intrinsic Value Analysis

CATO

Apparel Retail

Cato Corporation (The)

Quality

7.8

out of 10

Value Trap

LOW

Price

$3.26

Last close

Models

11/13

Active

DLTH

Apparel Retail

Duluth Holdings Inc.

Quality

5.7

out of 10

Value Trap

SAFE

Price

$3.59

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	CATO Fair Value	CATO Upside	DLTH Fair Value	DLTH Upside
Bayesian DCF	Intrinsic	$8.13	+149.2%	$3.60	+6.5%
Earnings Power Value	Intrinsic	$4.64	+62.2%	$0.78	-78.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CATO vs DLTH — Which Stock Is More Undervalued?

CATO scores higher with a 7.8/10 quality rating vs DLTH's 5.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Cato Corporation (The) (CATO) and Duluth Holdings Inc. (DLTH) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CATO currently trades at $3.26 with a QOC of 7.8/10, while DLTH trades at $3.59 with a QOC of 5.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).