Catalyst Bancorp, Inc. (CLST) vs Marathon Bancorp, Inc. (MBBC)

Catalyst Bancorp, Inc. and Marathon Bancorp, Inc. are both Banks Regional companies. Catalyst Bancorp, Inc. is the larger, with a market value of $68.0M against $44.1M — 1.5× the size. Marathon Bancorp, Inc. trades at the lower P/E: 21.3× against 29.8×. Marathon Bancorp, Inc. grew revenue faster over the last twelve months: 23.6% against −0.32%. Marathon Bancorp, Inc. has the higher net margin (14.1% vs 13.0%) and the higher return on invested capital (2.98% vs 2.84%). Across the 17 metrics below, Marathon Bancorp, Inc. leads on 10 and Catalyst Bancorp, Inc. on 7.

Valuation

Metric CLST MBBC Banks Regional median
P/E 29.81 21.32 11.98
P/S 3.90 3.07 2.34
P/B 0.74 0.81 1.19
Price to free cash flow 18.81 19.32 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.35% 4.69% 8.23%
Free cash flow yield 5.32% 5.18% 9.08%

Profitability

Metric CLST MBBC Banks Regional median
Gross margin 73.59% 70.96% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% 14.07% 18.66%
Free cash flow margin 20.74% 15.87% 21.11%
Return on equity 2.48% 3.82% 10.65%
Return on assets 0.72% 0.72% 1.13%
Return on invested capital 2.84% 2.98% 8.35%

Growth

Metric CLST MBBC Banks Regional median
Revenue growth (TTM) (0.32%) 23.59% 6.98%
EPS growth (last fiscal year) 171.79% 4,185.71% 18.88%
Revenue growth, 5-year CAGR 10.04% 4.37% 12.38%
Net income growth, 5-year CAGR 0.00% 1.39% 9.71%

Health

Metric CLST MBBC Banks Regional median
Debt to equity 0.12 0.42 0.22
Current ratio 1.01 1.26 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLST MBBC Banks Regional median
Dividend yield — — 2.57%
Payout ratio — — 0.30

Size

Metric CLST MBBC Banks Regional median
Market cap 67.97m 44.13m 913.33m

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