Catalyst Bancorp, Inc. (CLST) vs FIRST US BANCSH (FUSB)

Catalyst Bancorp, Inc. and FIRST US BANCSH are both Banks Regional companies. FIRST US BANCSH is the larger, with a market value of $84.5M against $72.4M — 1.2× the size. FIRST US BANCSH trades at the lower P/E: 11.9× against 31.4×. FIRST US BANCSH grew revenue faster over the last twelve months: 3.13% against −0.32%. Catalyst Bancorp, Inc. has the higher net margin (13.0% vs 12.2%) and the lower return on invested capital (2.84% vs 15.4%). Across the 18 metrics below, FIRST US BANCSH leads on 10 and Catalyst Bancorp, Inc. on 8.

Valuation

Metric CLST FUSB Banks Regional median
P/E 31.40 11.88 12.02
P/S 4.11 1.39 2.36
P/B 0.78 0.92 1.23
Price to free cash flow 19.81 8.65 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.18% 8.41% 8.21%
Free cash flow yield 5.05% 11.56% 9.23%

Profitability

Metric CLST FUSB Banks Regional median
Gross margin 73.59% 65.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% 12.15% 18.82%
Free cash flow margin 20.74% 17.36% 17.97%
Return on equity 2.48% 7.75% 10.28%
Return on assets 0.72% 0.67% 1.13%
Return on invested capital 2.84% 15.39% 8.45%

Growth

Metric CLST FUSB Banks Regional median
Revenue growth (TTM) (0.32%) 3.13% 6.37%
EPS growth (last fiscal year) 171.79% (24.81%) 18.85%
Revenue growth, 5-year CAGR 10.04% 6.78% 12.65%
Net income growth, 5-year CAGR 0.00% 17.22% 9.81%

Health

Metric CLST FUSB Banks Regional median
Debt to equity 0.12 0.11 0.17
Current ratio 1.01 0.90 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLST FUSB Banks Regional median
Dividend yield — 1.71% 2.49%
Payout ratio — 0.21 0.29

Size

Metric CLST FUSB Banks Regional median
Market cap 72.42m 84.47m 934.85m

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