Catalyst Bancorp (CLST) AI Stock Analysis

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Catalyst Bancorp

(NASDAQ:CLST)

57Neutral

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. S&P 500 (SPY)

Market Cap

$48.78M

Dividend YieldN/A

Average Volume (3M)6.14K

Price to Earnings (P/E)21.0

Beta (1Y)0.35

Revenue Growth152.27%

EPS GrowthN/A

CountryUS

Employees49

SectorFinancial

Sector Strength88

IndustryBanks - Regional

Share Statistics

EPS (TTM)0.55

Shares Outstanding4,205,201

10 Day Avg. Volume7,743

30 Day Avg. Volume6,142

Financial Highlights & Ratios

PEG RatioN/A

Price to Book (P/B)N/A

Price to Sales (P/S)0.00

Price to Cash Flow (P/CF)0.00

P/FCF Ratio0.00

Enterprise Value/Market Cap1.12

Enterprise Value/RevenueN/A

Enterprise Value/Gross Profit10.53

Enterprise Value/EbitdaN/A

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

Catalyst Bancorp Business Overview & Revenue Model

Company DescriptionCatalyst Bancorp, Inc. operates as a holding company for St. Landry Homestead Federal Savings Bank that provides banking products and services in the Acadiana region of south-central Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers one- to four-family residential mortgage, commercial real estate loans and multi-family residential, construction and land, commercial and industrial, and consumer loans. In addition, the company invests in various types of securities comprising mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. It operates through six full-service branches located in Carencro, Eunice, Lafayette, Opelousas, and Port Barre. The company was founded in 1922 and is headquartered in Opelousas, Louisiana.

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

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

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

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.

Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Breakdown
Income Statement		Total Revenue
5.17M	9.26M	8.34M	9.30M	7.04M
	Gross Profit
5.17M	9.26M	8.34M	9.30M	7.04M
	EBIT
-2.83M	1.58M	394.00K	2.41M	-1.18M
	EBITDA
0.00	1.09M	607.00K	2.82M	-830.00K
	Net Income Common Stockholders
-3.09M	602.00K	180.00K	1.92M	-703.00K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
44.30M	19.01M	93.07M	129.22M	45.98M
	Total Assets
276.70M	270.93M	263.32M	285.35M	224.69M
	Total Debt
9.56M	19.38M	9.20M	9.02M	8.84M
	Net Debt
-34.74M	367.00K	-4.27M	-31.87M	-16.41M
	Total Liabilities
196.49M	186.28M	174.85M	187.06M	174.16M
	Stockholders Equity
80.20M	84.66M	88.47M	98.35M	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 Price11.60

Price Trends

50DMA

11.53

Positive

100DMA

11.60

Positive

200DMA

11.57

Positive

Market Momentum

MACD

0.01

Negative

RSI

56.66

Neutral

STOCH

79.83

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 11.6 is above the 20-day moving average (MA) of 11.32, above the 50-day MA of 11.53, and above the 200-day MA of 11.57, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 56.66 is Neutral, neither overbought nor oversold. The STOCH value of 79.83 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
OPHC	77 Outperform	$51.70M	3.31	15.16%	―	63.78%	59.54%
HFBL	76 Outperform	$40.73M	12.00	6.24%	4.00%	1.27%	-27.46%
Sector *	64 Neutral	$12.64B	9.74	8.05%	17044.60%	12.66%	-4.62%
CFSB	60 Neutral	$51.47M	―	>-0.01%	―	13.69%	77.14%
CLST	57 Neutral	$48.78M	20.96	2.70%	―	152.27%	―
TCBS	48 Neutral	$46.77M	―	3.88%	1.05%	19.56%	-90.02%

* Financial Sector Average

Performance Comparison

CLST

Catalyst Bancorp

11.60

-0.10

-0.85%

HFBL

Home Federal Bancorp Of Louisiana

13.00

1.88

16.91%

OPHC

Optimumbank Holdings

4.40

0.14

3.29%

FSEA

First Seacoast Bancorp

11.24

2.59

29.94%

TCBS

Texas Community

15.28

1.42

10.25%

CFSB

CFSB Bancorp, Inc

7.86

1.24

18.73%

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.