Catalyst Bancorp, Inc. (CLST) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

Catalyst Bancorp, Inc. and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. Catalyst Bancorp, Inc. and Home Federal Bancorp, Inc. of Louisiana are of similar size ($76.1M and $72.2M). Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 12.7× against 31.4×. Home Federal Bancorp, Inc. of Louisiana grew revenue faster over the last twelve months: 5.66% against −0.32%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.3% vs 13.0%) and the higher return on invested capital (13.5% vs 2.84%). Across the 19 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 13 and Catalyst Bancorp, Inc. on 6.

Valuation

Metric CLST HFBL Banks Regional median
P/E 31.44 12.65 12.15
P/S 4.11 2.18 2.37
P/B 0.78 1.29 1.21
Price to free cash flow 19.84 11.52 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.37 1.50 2.27
Earnings yield 3.18% 7.90% 8.11%
Free cash flow yield 5.04% 8.68% 8.98%

Profitability

Metric CLST HFBL Banks Regional median
Gross margin 73.59% 68.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% 17.27% 18.66%
Free cash flow margin 20.74% 18.93% 21.18%
Return on equity 2.48% 10.51% 10.64%
Return on assets 0.72% 0.94% 1.13%
Return on invested capital 2.84% 13.49% 8.33%

Growth

Metric CLST HFBL Banks Regional median
Revenue growth (TTM) (0.32%) 5.66% 6.61%
EPS growth (last fiscal year) 171.79% 6.78% —
Revenue growth, 5-year CAGR 10.04% 6.02% 12.30%
Net income growth, 5-year CAGR 0.00% 0.20% 9.71%

Health

Metric CLST HFBL Banks Regional median
Debt to equity 0.12 0.10 0.22
Current ratio 1.01 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CLST HFBL Banks Regional median
Market cap 72.20m 76.06m 921.07m

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