Is CIB or CLST more undervalued in 2026?

CirclFi compares Grupo Cibest S.A. (CIB) and Catalyst Bancorp, Inc. (CLST) using 13 institutional-grade valuation models. CIB has a Quality of Company score of 2.0/10 while CLST scores 8.9/10.

Which is a better buy — CIB or CLST?

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 CIB and CLST valuations compare?

CIB at $69.19 and CLST at $15.92 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CIB vs CLST Valuation Comparison 2026 — Intrinsic Value Analysis

CIB

Banks - Regional

Grupo Cibest S.A.

Quality

2.0

out of 10

Value Trap

—

Price

$69.19

Last close

Models

8/13

Active

CLST

Banks - Regional

Catalyst Bancorp, Inc.

Quality

8.9

out of 10

Value Trap

SAFE

Price

$15.92

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	CIB Fair Value	CIB Upside	CLST Fair Value	CLST Upside
Bayesian DCF	Intrinsic	$23.07	-66.7%	$11.18	-29.8%
Earnings Power Value	Intrinsic	$23.69	-66.9%	$12.46	-21.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for CIB vs CLST — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

CIB vs CLST — Which Stock Is More Undervalued?

CLST scores higher with a 8.9/10 quality rating vs CIB's 2.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Grupo Cibest S.A. (CIB) and Catalyst Bancorp, Inc. (CLST) 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.

CIB currently trades at $69.19 with a QOC of 2.0/10, while CLST trades at $15.92 with a QOC of 8.9/10.

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).