tiprankstipranks
Trending News
More News >
Catalyst Bancorp, Inc. (CLST)
:CLST
US Market

Catalyst Bancorp (CLST) AI Stock Analysis

Compare
6 Followers

Top Page

CL

Catalyst Bancorp

(NASDAQ:CLST)

Rating:57Neutral
Price Target:
Catalyst Bancorp's overall stock score is driven by significant challenges in financial performance, primarily due to declining revenues, profitability issues, and cash flow constraints. While technical analysis indicates moderate momentum, the valuation suggests the stock is fairly priced without offering significant upside. The lack of earnings call and corporate events data limits further insights.

Catalyst Bancorp (CLST) vs. SPDR S&P 500 ETF (SPY)

Catalyst Bancorp Business Overview & Revenue Model

Company DescriptionCatalyst Bancorp, Inc. (CLST) is a financial holding company headquartered in Lafayette, Louisiana. It primarily operates through its subsidiary, St. Landry Homestead Federal Savings Bank, which provides a comprehensive range of banking and financial services. The company focuses on serving individual customers, small businesses, and communities in its regional market. Its core services include offering savings accounts, checking accounts, mortgage loans, and various other consumer and commercial banking products.
How the Company Makes MoneyCatalyst Bancorp generates its revenue primarily through interest income from loans and investment securities, alongside non-interest income from service charges and fees. The company's key revenue streams include interest collected on mortgage and consumer loans, as well as interest earned on securities investments. Additional income is derived from fees associated with deposit accounts, transaction services, and other banking-related activities. The company also benefits from strategic partnerships with financial service providers to offer expanded services, contributing to its revenue through collaborative ventures and cross-selling opportunities.

Catalyst Bancorp Financial Statement Overview

Summary
Catalyst Bancorp faces multiple challenges, including declining revenues, profitability issues, and cash flow constraints, hampering its financial stability. While the balance sheet remains relatively stable, the negative income and cash flow trends indicate potential risks that need addressing to ensure long-term viability.
Income Statement
45
Neutral
Catalyst Bancorp's income statement reveals challenges with declining revenue from $9.26M in 2023 to $5.17M in 2024, a significant drop of 44.1%. The company also faced profitability issues, with a negative net profit margin of -59.7% in 2024, compared to 6.5% in 2023. This was driven by a negative EBIT margin of -54.7% in 2024, reflecting operational inefficiencies.
Balance Sheet
65
Positive
The balance sheet shows a stable equity position with an equity ratio of 29% in 2024. However, the debt-to-equity ratio decreased to 0.12 in 2024 from 0.23 in 2023, indicating a reduction in leverage. ROE dropped significantly to -3.9% in 2024, reflecting a decline in equity profitability.
Cash Flow
50
Neutral
The cash flow statement highlights a concerning decline in operating activities, with zero operating cash flow in 2024, down from $2M in 2023. This has impacted the operating cash flow to net income ratio, which is not calculable due to negative net income. Free cash flow was also zero, indicating potential liquidity constraints.
Breakdown
TTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
14.49M5.17M9.26M8.34M9.30M7.04M
Gross Profit
9.49M5.17M9.26M8.34M9.30M7.04M
EBIT
2.65M-2.83M1.58M394.00K2.41M-1.18M
EBITDA
1.47M0.001.09M607.00K2.82M-830.00K
Net Income Common Stockholders
2.19M-3.09M602.00K180.00K1.92M-703.00K
Balance SheetCash, Cash Equivalents and Short-Term Investments
76.01M44.30M19.01M93.07M129.22M45.98M
Total Assets
282.05M276.70M270.93M263.32M285.35M224.69M
Total Debt
29.42M9.56M19.38M9.20M9.02M8.84M
Net Debt
-46.59M-34.74M367.00K-4.27M-31.87M-16.41M
Total Liabilities
200.69M196.49M186.28M174.85M187.06M174.16M
Stockholders Equity
81.36M80.20M84.66M88.47M98.35M50.53M
Cash FlowFree Cash Flow
2.52M2.74M1.84M520.00K1.92M310.00K
Operating Cash Flow
2.92M3.17M2.01M772.00K3.43M857.00K
Investing Cash Flow
-27.38M17.82M-267.00K-14.14M-46.59M-313.00K
Financing Cash Flow
-7.26M4.29M3.80M-14.04M58.80M6.79M

Catalyst Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price11.86
Price Trends
50DMA
11.56
Positive
100DMA
11.62
Positive
200DMA
11.56
Positive
Market Momentum
MACD
0.10
Negative
RSI
55.59
Neutral
STOCH
36.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CLST, the sentiment is Positive. The current price of 11.86 is above the 20-day moving average (MA) of 11.77, above the 50-day MA of 11.56, and above the 200-day MA of 11.56, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 55.59 is Neutral, neither overbought nor oversold. The STOCH value of 36.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CLST.

Catalyst Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$51.23M3.2715.30%43.98%37.57%
76
Outperform
$40.81M12.006.24%3.93%-2.69%-21.26%
64
Neutral
$12.77B9.777.59%16985.66%12.31%-7.69%
60
Neutral
$89.39M>-0.01%13.69%77.14%
57
Neutral
$49.54M21.532.70%152.27%
48
Neutral
$48.99M24.043.88%1.00%19.16%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CLST
Catalyst Bancorp
11.86
0.24
2.07%
HFBL
Home Federal Bancorp Of Louisiana
13.80
2.73
24.66%
OPHC
Optimumbank Holdings
4.34
-0.16
-3.56%
TCBS
Texas Community
15.94
1.78
12.57%
CFSB
CFSB Bancorp, Inc
13.65
7.00
105.26%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.