Catalyst Bancorp, Inc. (CLST) vs Central Plains Bancshares, Inc. (CPBI)

Catalyst Bancorp, Inc. and Central Plains Bancshares, Inc. are both Banks Regional companies. Central Plains Bancshares, Inc. is the larger, with a market value of $83.9M against $72.2M — 1.2× the size. Central Plains Bancshares, Inc. trades at the lower P/E: 16.6× against 31.4×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against −0.32%. Central Plains Bancshares, Inc. has the higher net margin (14.3% vs 13.0%) and the higher return on invested capital (6.28% vs 2.84%). Across the 17 metrics below, Central Plains Bancshares, Inc. leads on 13 and Catalyst Bancorp, Inc. on 4.

Valuation

Metric CLST CPBI Banks Regional median
P/E 31.44 16.64 12.15
P/S 4.11 2.39 2.37
P/B 0.78 0.83 1.21
Price to free cash flow 19.84 11.78 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.37 1.56 2.27
Earnings yield 3.18% 6.01% 8.11%
Free cash flow yield 5.04% 8.49% 8.98%

Profitability

Metric CLST CPBI Banks Regional median
Gross margin 73.59% 70.23% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% 14.33% 18.66%
Free cash flow margin 20.74% 20.28% 21.18%
Return on equity 2.48% 5.15% 10.64%
Return on assets 0.72% 0.85% 1.13%
Return on invested capital 2.84% 6.28% 8.33%

Growth

Metric CLST CPBI Banks Regional median
Revenue growth (TTM) (0.32%) 12.14% 6.61%
EPS growth (last fiscal year) 171.79% 9.38% —
Revenue growth, 5-year CAGR 10.04% — 12.30%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric CLST CPBI Banks Regional median
Debt to equity 0.12 0.00 0.22
Current ratio 1.01 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLST CPBI Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 — 0.27

Size

Metric CLST CPBI Banks Regional median
Market cap 72.20m 83.86m 921.07m

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