Catalyst Bancorp, Inc. (CLST) vs United Bancorp, Inc. (UBCP)

Catalyst Bancorp, Inc. and United Bancorp, Inc. are both Banks Regional companies. United Bancorp, Inc. is the larger, with a market value of $87.1M against $72.2M — 1.2× the size. United Bancorp, Inc. trades at the lower P/E: 10.7× against 31.4×. United Bancorp, Inc. grew revenue faster over the last twelve months: 6.21% against −0.32%. United Bancorp, Inc. has the higher net margin (15.7% vs 13.0%) and the higher return on invested capital (4.58% vs 2.84%). Across the 18 metrics below, Catalyst Bancorp, Inc. leads on 9 and United Bancorp, Inc. on 9.

Valuation

Metric CLST UBCP Banks Regional median
P/E 31.44 10.74 12.15
P/S 4.11 1.68 2.37
P/B 0.78 1.13 1.21
Price to free cash flow 19.84 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.37 2.37 2.27
Earnings yield 3.18% 9.31% 8.11%
Free cash flow yield 5.04% (5.00%) 8.98%

Profitability

Metric CLST UBCP Banks Regional median
Gross margin 73.59% 69.59% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.99% 15.72% 18.66%
Free cash flow margin 20.74% (8.42%) 21.18%
Return on equity 2.48% 11.50% 10.64%
Return on assets 0.72% 0.88% 1.13%
Return on invested capital 2.84% 4.58% 8.33%

Growth

Metric CLST UBCP Banks Regional median
Revenue growth (TTM) (0.32%) 6.21% 6.61%
EPS growth (last fiscal year) 171.79% 5.51% —
Revenue growth, 5-year CAGR 10.04% 6.58% 12.30%
Net income growth, 5-year CAGR 0.00% (0.46%) 9.71%

Health

Metric CLST UBCP Banks Regional median
Debt to equity 0.12 1.10 0.22
Current ratio 1.01 0.76 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLST UBCP Banks Regional median
Dividend yield — 5.71% 3.75%
Payout ratio 0.00 0.42 0.27

Size

Metric CLST UBCP Banks Regional median
Market cap 72.20m 87.07m 921.07m

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