Catalyst Bancorp, Inc. (CLST) vs First Seacoast Bancorp Inc. (FSEA)

Catalyst Bancorp, Inc. and First Seacoast Bancorp Inc. are both Banks Regional companies. First Seacoast Bancorp Inc. is the larger, with a market value of $80.8M against $72.2M — 1.1× the size. First Seacoast Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; Catalyst Bancorp, Inc. trades at 31.4×. First Seacoast Bancorp Inc. grew revenue faster over the last twelve months: 2.81% against −0.32%. Catalyst Bancorp, Inc. has the higher net margin (13.0% vs 0.15%) and the higher return on invested capital (2.84% vs −0.32%). Across the 16 metrics below, Catalyst Bancorp, Inc. leads on 14 and First Seacoast Bancorp Inc. on 2.

Valuation

Metric CLST FSEA Banks Regional median
P/E 31.44 n/m 12.15
P/S 4.11 2.59 2.37
P/B 0.78 1.16 1.21
Price to free cash flow 19.84 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.37 3.97 2.27
Earnings yield 3.18% (0.12%) 8.11%
Free cash flow yield 5.04% (0.08%) 8.98%

Profitability

Metric CLST FSEA Banks Regional median
Gross margin 73.59% 56.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% 0.15% 18.66%
Free cash flow margin 20.74% (0.21%) 21.18%
Return on equity 2.48% 0.07% 10.64%
Return on assets 0.72% 0.01% 1.13%
Return on invested capital 2.84% (0.32%) 8.33%

Growth

Metric CLST FSEA Banks Regional median
Revenue growth (TTM) (0.32%) 2.81% 6.61%
EPS growth (last fiscal year) 171.79% (91.67%) —
Revenue growth, 5-year CAGR 10.04% 9.94% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric CLST FSEA Banks Regional median
Debt to equity 0.12 0.70 0.22
Current ratio 1.01 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CLST FSEA Banks Regional median
Market cap 72.20m 80.82m 921.07m

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