Catalyst Bancorp, Inc. CLST

17.92 0.02 0.11% as of 25 Sep
Market cap
$72.2M
P/E
31.4×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.16
Total sells 0.16
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 — — — — — — — 1 — — —
Sell 1 — — — — — — — 1 — — —
Insider Ownership 8.99%

Capital & Financial Ratios

Market Cap 72.20
Revenue 15.61
Net Income 2.03
Free Cash Flow 3.24
Net Debt (27.20)
Current Ratio 1.01
Debt/Equity 0.12
P/E ratio 31.44
P/S ratio 4.11
P/B ratio 0.78
Past 5Y EPS Growth (15.00%)
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 19 44 25 37
Receivables — — — —
Inventory — — — —
Other — — — —
163 210 194 198
2023 2024 2025 Q'26
Payables 166 186 185 196
ST’ Debt — — — —
Other — — — —
166 186 185 196
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 10.04% 18.41%
Cash Flow — 30.85% 62.08%
Earnings — 0.00% 125.06%
Book Value — 10.09% (2.62%)

Revenue

Mar Jun Sep Dec Year
’26 4 4 — — —
’25 4 4 4 4 15
’24 — 4 4 4 10
’23 3 3 3 3 11
’22 2 2 2 2 9
’21 2 2 4 2 10
’20 2 2 2 2 9
in millions of $ · fiscal quarters ending in the months shown
value withheld pending a data check

Operating Cash Flow

Mar Jun Sep Dec Year
’26 1 1 — — —
’25 0 1 1 1 3
’24 0 1 1 1 3
’23 0 1 1 1 2
’22 0 0 0 0 1
’21 0 0 2 1 3
’20 1 1 0 (1) 1
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 1 1 — — —
’25 0 1 1 1 3
’24 0 1 1 1 3
’23 0 1 0 1 2
’22 0 0 0 0 1
’21 0 (1) 2 1 2
’20 1 1 0 (1) 0
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.15 0.14 — — —
’25 0.16 0.14 0.13 0.13 0.56
’24 (1.14) 0.13 0.11 0.16 (0.78)
’23 0.02 0.00 0.03 0.08 0.14
’22 (0.03) 0.00 0.03 0.04 0.04
’21 0.03 — 0.27 0.02 0.40
’20 — — — — (0.14)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — 13.31 12.03 9.26 10.78 10.67

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — 14.09 14.00 13.10 12.10 15.85
High Price
— — — — 52 56 50 48 49 49
Employees
— — — 0 0 0 0 0 0 0
Revenue/Emp
— — — 10 9 10 9 11 10 15
Revenue
— — — 80.78% 81.97% 92.30% 92.57% 82.61% 56.92% 73.08%
Gross Margin
— — — 2 (1) 2 0 1 (4) 3
EBT
— — — 16.70% (12.45%) 23.23% 1.73% 5.22% (39.74%) 16.42%
EBT Margin
— — — 1 (1) 2 0 1 (3) 2
Net Income
— — — 0 1 1 1 1 1 1
Depreciation
— — — 1.95 1.86 2.12 1.89 2.57 2.54 4.17
Revenue/Sh
— — — 0.26 (0.14) 0.40 0.04 0.14 (0.78) 0.56
Earnings/Sh
— — — 0.34 0.17 0.70 0.16 0.46 0.81 0.90
Cash Flow/Sh
— — — (0.45) (0.10) (0.31) (0.05) (0.04) (0.11) (0.05)
Capex/Sh
— — — (0.11) 0.06 0.40 0.11 0.42 0.70 0.85
Free CF/Sh
— — — 10.04 9.92 20.24 18.22 19.29 20.36 22.32
Book Value/Sh
— — — 5 5 5 5 4 4 4
Shares
— — — 36.95 36.95 36.95 293.74 85.16 0.00 28.13
PE Ratio
— — — 6.75 6.75 7.00 6.69 4.29 4.63 3.78
PS Ratio
— — — 1.38 1.38 0.73 0.69 0.57 0.58 0.71
PB Ratio
— — — (1.85) (1.85) 3.92 6.23 4.33 1.16 3.09
EV/Sales
— — — 67.93 67.93 20.84 110.03 26.76 4.22 15.23
EV/FCF
— — — 2 1 3 1 2 3 3
Op' Cash Flow
— — — (2) (1) (1) 0 0 0 0
Capex
— — — (1) 0 2 1 2 3 3
FCF
— — — 38 10 (6) (19) (3) 24 9
Working Cap'
— — — 25 9 9 9 19 10 15
Total Debt
— — — 7 (16) (32) (4) 0 (35) (10)
Net Debt
— — — 51 51 99 89 85 80 82
Sh' Equity
— — — 0.60% (0.32%) 0.75% 0.07% 0.20% (1.13%) 0.73%
ROA
— — — 1.78% (2.16%) 2.25% 0.12% 0.43% (5.48%) 2.20%
ROIC
— — — 2.61% (1.38%) 2.57% 0.19% 0.61% (3.75%) 2.53%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Catalyst Bancorp, Inc. (CLST) key facts

  • Catalyst Bancorp, Inc. (CLST) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Net income was $2.1 million, or $0.56 per share (basic), a net margin of 13.5%.
  • As of September 25, 2026, CLST traded at $17.92, a market capitalization of $72.2 million.
  • At that price the stock trades at 31.4× trailing-twelve-month earnings and 4.1× sales.
  • Return on equity was 2.53% and debt-to-equity 0.12.

Source: company filings (standardised) and stockrow calculations.

Catalyst Bancorp, Inc. (CLST) Latest News

News by impact score

Fine-tune

5 Aug

3

Catalyst Bancorp reported flat Q2 earnings year-over-year, pressured by merger costs and loan weakness. Flat earnings tied to merger costs and loan weakness point to moderate short-term effects on performance and sentiment.

30 Jul

3

Catalyst Bancorp, Inc. released its second quarter 2026 financial results. Quarterly earnings releases deliver updated financial metrics that shape near-term investor views and valuation.

14 Jul

4

Catalyst Bancorp, Inc. completes acquisition of Lakeside Bancshares, Inc. Acquisition completion expands Catalyst Bancorp operations and market reach via major strategic move.

26 Jun

4

Catalyst Bancorp, Inc. and Lakeside Bancshares, Inc. obtained shareholder and regulatory approvals for their pending mergers. Merger approvals mark major strategic moves that can significantly alter company trajectory and investor sentiment.

30 Apr

4

Catalyst Bancorp, Inc. (CLST) announced first quarter 2026 results. Quarterly earnings release directly impacts financial performance and investor sentiment.

8 Apr

4

Catalyst Bancorp, Inc. (CLST) announced an agreement to acquire Lakeside Bancshares, Inc., aiming to expand its banking operations. Acquisition agreement represents a major strategic move to enhance market presence and financial scale for Catalyst Bancorp.

29 Jan

4

Catalyst Bancorp, Inc. reported its financial results for the fourth quarter of 2025, highlighting significant growth in net income and total assets. The company achieved a net income of $2 million, a 15% increase compared to the previous quarter. Total assets rose to $250 million, driven by an increase in loans and deposits. The management expressed optimism about future growth and strategic initiatives aimed at enhancing shareholder value. Additionally, the bank's capital ratios remained strong, positioning it well for upcoming challenges in the financial landscape. The reported financial growth and strategic initiatives indicate a significant impact on future performance and investor sentiment.

20 Nov

3

Catalyst Bancorp, Inc. has announced a new share repurchase plan, allowing the company to buy back up to 1 million shares of its common stock. This initiative is part of the company's strategy to enhance shareholder value and reflects its confidence in future growth prospects. The repurchase program is expected to be executed over the next 12 months, subject to market conditions and other factors. The share repurchase plan may positively influence investor sentiment and financial performance, but its overall effect is expected to be limited.

23 Oct

4

Catalyst Bancorp, Inc. reported its financial results for the third quarter of 2025, highlighting a significant increase in net income compared to the previous year. The bank's total assets grew, driven by an increase in loans and deposits. Management emphasized their commitment to strategic growth and enhancing shareholder value. The results reflect a positive trend in the bank's performance, with improved efficiency ratios and a strong capital position. The significant increase in net income and asset growth indicates a strong strategic position that could positively influence future performance.

24 Jul

4

Catalyst Bancorp, Inc. reported its financial results for the second quarter of 2025, highlighting key metrics such as net income, total assets, and loan growth. The company experienced a year-over-year increase in earnings, driven by improved interest margins and a rise in customer deposits. Management expressed optimism about future growth prospects and ongoing strategic initiatives aimed at enhancing operational efficiency and expanding market presence. The results reflect a positive trajectory for the bank amid a competitive landscape. Significant improvements in financial performance and strategic initiatives are likely to influence investor sentiment and the company's future trajectory.

26 Apr

3

Catalyst Bancorp, Inc. (NASDAQ:CLST) reported a net income of US$586.0k for the first quarter of 2025, a significant improvement from a US$4.68m loss in the same period last year. Earnings per share (EPS) rose to US$0.16, compared to a loss of US$1.14 in 1Q 2024. The company's shares have increased by 4.4% over the past week. However, there is one warning sign for investors to consider before investing. The significant turnaround in earnings indicates a moderately noticeable influence on financial performance and market sentiment.

24 Apr

3

Catalyst Bancorp, Inc. reported a net income of $586,000 for Q1 2025, down from $626,000 in Q4 2024. Loan growth was limited due to market turbulence, with total loans decreasing slightly to $166.1 million. Non-performing assets fell to $1.7 million, while total deposits decreased by 3% to $180.6 million. The company received an award for being a top community bank to work for. Net interest income declined by 4% to $2.4 million, and non-interest income increased by 64% to $553,000, aided by insurance proceeds. The net interest margin was 3.89%, down three basis points from the previous quarter. Loan growth challenges and fluctuating deposits may moderately influence financial performance.

20 Feb

3

Insiders at Catalyst Bancorp, Inc. (NASDAQ:CLST) were net buyers over the past year, with President Joseph Zanco purchasing shares worth US$172k at approximately US$11.87 each, above the current price of US$11.71. Insiders own about US$3.3m worth of shares, representing 6.3% of the company. While the recent insider purchase is encouraging, the company did not make a profit in the last twelve months, raising caution. Despite lower-than-desired insider ownership levels, the history of transactions suggests insiders are optimistic about the company's future. Insider buying indicates confidence, but lack of profitability and low insider ownership temper expectations.

23 Jan

4

Catalyst Bancorp, Inc. reported its financial results for the fourth quarter of 2024, highlighting key metrics such as net income, earnings per share, and total assets. The company experienced growth in its loan portfolio and deposits, contributing to an overall positive performance. Management emphasized strategic initiatives aimed at enhancing operational efficiency and customer service. The results reflect the company's commitment to sustainable growth and shareholder value. The financial results indicate significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

25 Nov

3

Catalyst Bancorp, Inc. announces fifth share repurchase plan, focusing on customer growth and efficiency improvements. The share repurchase plan and focus on customer growth may moderately influence the company's financial performance and competitive positioning.

24 Oct

3

Catalyst Bancorp, Inc. reported a net income of $447,000 for the third quarter of 2024, down from the previous quarter. The company experienced record loan growth and received a Bank Enterprise Award grant. Non-performing assets decreased, and the net interest margin improved. The article describes moderately noticeable influences on the company's financial performance, loan growth, and credit quality.

31 Jul

4

Catalyst Bancorp, Inc. reported net income of $527,000 for the second quarter of 2024, showing significant improvement from the previous quarter. The company experienced strong loan growth and increased deposits, with a focus on serving local businesses. The article highlights significant improvements in financial performance and strategic focus, indicating a potential impact on the company's future trajectory.

2 May

3

Catalyst Bancorp, Inc. reports $4.7 million net loss in Q1 2024 due to strategic moves. Plans to invest in new loans, higher-yielding securities, share repurchases, and debt repayments. The company's strategic moves and financial results are expected to moderately influence its future performance.

25 Jan

4

Catalyst Bancorp, Inc. reported net income of $320,000 for Q4 2023, fueled by loan growth. Loans increased by $9.2 million, primarily in commercial construction and real estate. Non-performing assets totaled $2.1 million. The Bank's total risk-based capital ratio was 53.60%. The Company repurchased shares and received a $437,000 grant. Significant impact likely on future and performance due to loan growth, non-performing assets, capital ratio, share repurchases, and grant.

26 Oct

3

Catalyst Bancorp, Inc. reported net income of $170,000 for the third quarter of 2023, up from $39,000 in the previous quarter. The financial results and growth in loan portfolio may moderately influence the company's future performance.

stockrow.com/CLST · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com