Catalyst Bancorp (CLST) AI Stock Analysis

• Market Cap: $52.26M
• Dividend Yield: N/A
• Average Volume (3M): 8.94K
• Price to Earnings (P/E): 22.4
• Beta (1Y): 0.21
• Revenue Growth: 107.33%
• EPS Growth: N/A
• Country: US
• Employees: 49
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 4,180,598
• 10 Day Avg. Volume: 2,428
• 30 Day Avg. Volume: 8,940
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.09
• Enterprise Value/Revenue: 3.59
• Enterprise Value/Gross Profit: 5.10
• Enterprise Value/Ebitda: 18.33
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 57 Neutral
• 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 Business Overview & Revenue Model

Company Description

Catalyst Bancorp, Inc. (CLST) is a financial holding company primarily engaged in the banking sector. Through its subsidiary, St. Landry Homestead Federal Savings Bank, it offers a range of financial services aimed at both individual and corporate clients. The company focuses on providing personal and business banking solutions that include savings and checking accounts, consumer loans, and mortgage services. Catalyst Bancorp operates with a community-oriented approach, serving the financial needs of its local communities.

How the Company Makes Money

Catalyst Bancorp generates revenue through a variety of financial services offered by its banking subsidiary. The primary sources of income include interest earned from loans offered to customers, such as personal, business, and mortgage loans. Additionally, the company earns revenue from fees associated with account maintenance, transaction services, and other banking activities. The bank also invests in securities, which contribute to its income through interest earnings. Partnerships with local businesses and community-focused initiatives help to drive customer engagement and expand its client base, further enhancing its revenue potential.

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

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

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

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.88M	11.00M	9.02M	10.10M	9.29M
Gross Profit	5.03M	8.92M	8.71M	9.96M	6.60M
EBITDA	-3.57M	990.00K	607.00K	2.82M	-830.00K
Net Income	-3.09M	526.00K	180.00K	1.92M	-703.00K
Balance Sheet
Total Assets	276.70M	270.93M	263.36M	285.61M	224.69M
Cash, Cash Equivalents and Short-Term Investments	44.30M	20.65M	93.07M	129.22M	45.98M
Total Debt	9.56M	9.38M	0.00	0.00	0.00
Total Liabilities	196.49M	186.37M	174.85M	187.06M	174.16M
Stockholders Equity	80.20M	84.56M	88.51M	98.55M	50.53M
Cash Flow
Free Cash Flow	2.74M	1.84M	520.00K	1.92M	310.00K
Operating Cash Flow	3.17M	2.01M	772.00K	3.43M	857.00K
Investing Cash Flow	17.82M	-267.00K	-14.14M	-46.59M	-313.00K
Financing Cash Flow	4.29M	3.80M	-14.04M	58.80M	6.79M

Catalyst Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.40
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 12.4 is above the 20-day moving average (MA) of 12.39, above the 50-day MA of 12.31, and above the 200-day MA of 11.78, indicating a bullish trend. The MACD of 0.04 indicates Negative momentum. The RSI at 55.73 is Neutral, neither overbought nor oversold. The STOCH value of 65.41 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	72 Outperform	$53.35M	3.41	14.85%	―	43.98%	37.57%
HFBL	69 Neutral	$42.16M	10.71	7.20%	3.96%	-2.93%	7.89%
Sector *	67 Neutral	¥764.29B	11.15	7.42%	3.20%	7.66%	14.08%
CLST	57 Neutral	$52.26M	22.42	2.69%	―	107.33%	―
TCBS	54 Neutral	$48.38M	20.53	4.50%	1.01%	13.47%	―
CFSB	54 Neutral	$90.89M	―	>-0.01%	―	13.69%	77.14%

Catalyst Bancorp Corporate Events

Catalyst Bancorp Holds Annual Shareholders Meeting

Catalyst Bancorp, Inc. held its Annual Meeting of Shareholders on May 20, 2025, where key decisions were made regarding the company’s governance and financial oversight. Shareholders elected directors for a three-year term, ratified the appointment of HORNE LLP as the independent registered public accounting firm for the year ending December 31, 2025, and approved a non-binding resolution on executive compensation.