Is CLST or COFS more undervalued in 2026?

CirclFi compares Catalyst Bancorp, Inc. (CLST) and ChoiceOne Financial Services, I (COFS) using 13 institutional-grade valuation models. CLST has a Quality of Company score of 8.9/10 while COFS scores 8.2/10.

Which is a better buy — CLST or COFS?

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 CLST and COFS valuations compare?

CLST at $15.92 and COFS at $31.42 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CLST vs COFS Valuation Comparison 2026 — Intrinsic Value Analysis

CLST

Banks - Regional

Catalyst Bancorp, Inc.

Quality

8.9

out of 10

Value Trap

SAFE

Price

$15.92

Last close

Models

12/13

Active

COFS

Banks - Regional

ChoiceOne Financial Services, I

Quality

8.2

out of 10

Value Trap

LOW

Price

$31.42

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	CLST Fair Value	CLST Upside	COFS Fair Value	COFS Upside
Bayesian DCF	Intrinsic	$11.18	-29.8%	$14.67	-53.3%
Earnings Power Value	Intrinsic	$12.46	-21.7%	$38.58	+22.8%
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	$•••.••	••.•%	$•••.••	••.•%

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CLST vs COFS — Which Stock Is More Undervalued?

CLST scores higher with a 8.9/10 quality rating vs COFS's 8.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Catalyst Bancorp, Inc. (CLST) and ChoiceOne Financial Services, I (COFS) 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.

CLST currently trades at $15.92 with a QOC of 8.9/10, while COFS trades at $31.42 with a QOC of 8.2/10.

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).