Catalyst Bancorp, Inc. (CLST) vs NSTS Bancorp, Inc. (NSTS)

Catalyst Bancorp, Inc. and NSTS Bancorp, Inc. are both Banks Regional companies. Catalyst Bancorp, Inc. and NSTS Bancorp, Inc. are of similar size ($74.1M and $72.2M). NSTS Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Catalyst Bancorp, Inc. trades at 31.4×. NSTS Bancorp, Inc. grew revenue faster over the last twelve months: 7.00% against −0.32%. Catalyst Bancorp, Inc. has the higher net margin (13.0% vs −0.31%) and the higher return on invested capital (2.84% vs −0.09%). Across the 17 metrics below, Catalyst Bancorp, Inc. leads on 9 and NSTS Bancorp, Inc. on 8.

Valuation

Metric CLST NSTS Banks Regional median
P/E 31.44 n/m 12.15
P/S 4.11 4.99 2.37
P/B 0.78 0.87 1.21
Price to free cash flow 19.84 4.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.37 1.48 2.27
Earnings yield 3.18% (0.06%) 8.11%
Free cash flow yield 5.04% 22.83% 8.98%

Profitability

Metric CLST NSTS Banks Regional median
Gross margin 73.59% 77.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% (0.31%) 18.66%
Free cash flow margin 20.74% 113.89% 21.18%
Return on equity 2.48% (0.05%) 10.64%
Return on assets 0.72% (0.02%) 1.13%
Return on invested capital 2.84% (0.09%) 8.33%

Growth

Metric CLST NSTS Banks Regional median
Revenue growth (TTM) (0.32%) 7.00% 6.61%
EPS growth (last fiscal year) 171.79% 50.00% —
Revenue growth, 5-year CAGR 10.04% 11.74% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric CLST NSTS Banks Regional median
Debt to equity 0.12 0.00 0.22
Current ratio 1.01 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric CLST NSTS Banks Regional median
Market cap 72.20m 74.12m 921.07m

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