Catalyst Bancorp, Inc. (CLST) vs Texas Community Bancshares, Inc. (TCBS)

Catalyst Bancorp, Inc. and Texas Community Bancshares, Inc. are both Banks Regional companies. Catalyst Bancorp, Inc. is the larger, with a market value of $72.2M against $48.8M — 1.5× the size. Texas Community Bancshares, Inc. trades at the lower P/E: 13.4× against 31.4×. Texas Community Bancshares, Inc. grew revenue faster over the last twelve months: 5.96% against −0.32%. Catalyst Bancorp, Inc. has the higher net margin (13.0% vs 12.7%) and the higher return on invested capital (2.84% vs 2.83%). Across the 19 metrics below, Texas Community Bancshares, Inc. leads on 11 and Catalyst Bancorp, Inc. on 8.

Valuation

Metric CLST TCBS Banks Regional median
P/E 31.44 13.39 12.15
P/S 4.11 1.72 2.37
P/B 0.78 0.82 1.21
Price to free cash flow 19.84 19.41 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.37 2.90 2.27
Earnings yield 3.18% 7.47% 8.11%
Free cash flow yield 5.04% 5.15% 8.98%

Profitability

Metric CLST TCBS Banks Regional median
Gross margin 73.59% 66.26% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% 12.68% 18.66%
Free cash flow margin 20.74% 8.85% 21.18%
Return on equity 2.48% 6.16% 10.64%
Return on assets 0.72% 0.75% 1.13%
Return on invested capital 2.84% 2.83% 8.33%

Growth

Metric CLST TCBS Banks Regional median
Revenue growth (TTM) (0.32%) 5.96% 6.61%
EPS growth (last fiscal year) 171.79% 327.27% —
Revenue growth, 5-year CAGR 10.04% 15.65% 12.30%
Net income growth, 5-year CAGR 0.00% 30.57% 9.71%

Health

Metric CLST TCBS Banks Regional median
Debt to equity 0.12 0.84 0.22
Current ratio 1.01 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLST TCBS Banks Regional median
Dividend yield — 0.78% 3.75%
Payout ratio 0.00 1.67 0.27

Size

Metric CLST TCBS Banks Regional median
Market cap 72.20m 48.84m 921.07m

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