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Catalyst Bancorp, Inc. (CLST)
:CLST
US Market

Catalyst Bancorp (CLST) AI Stock Analysis

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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. 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 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
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue15.86M9.88M11.00M9.02M10.10M9.29M
Gross Profit11.16M5.03M8.92M8.71M9.96M6.60M
EBITDA3.11M-3.57M990.00K607.00K2.82M-830.00K
Net Income2.19M-3.09M526.00K180.00K1.92M-703.00K
Balance Sheet
Total Assets271.65M276.70M270.93M263.36M285.61M224.69M
Cash, Cash Equivalents and Short-Term Investments68.65M44.30M20.65M93.07M129.22M45.98M
Total Debt9.60M9.56M9.38M0.000.000.00
Total Liabilities191.06M196.49M186.37M174.85M187.06M174.16M
Stockholders Equity80.59M80.20M84.56M88.51M98.55M50.53M
Cash Flow
Free Cash Flow2.88M2.74M1.84M520.00K1.92M310.00K
Operating Cash Flow3.35M3.17M2.01M772.00K3.43M857.00K
Investing Cash Flow-25.84M17.82M-267.00K-14.14M-46.59M-313.00K
Financing Cash Flow-13.20M4.29M3.80M-14.04M58.80M6.79M

Catalyst Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price12.35
Price Trends
50DMA
11.78
Positive
100DMA
11.70
Positive
200DMA
11.60
Positive
Market Momentum
MACD
0.17
Negative
RSI
58.88
Neutral
STOCH
51.99
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 12.35 is above the 20-day moving average (MA) of 12.13, above the 50-day MA of 11.78, and above the 200-day MA of 11.60, indicating a bullish trend. The MACD of 0.17 indicates Negative momentum. The RSI at 58.88 is Neutral, neither overbought nor oversold. The STOCH value of 51.99 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 (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$51.82M3.3015.30%43.98%37.57%
71
Outperform
$42.16M11.986.24%3.98%-2.69%-21.26%
67
Neutral
$16.47B11.309.71%3.94%11.97%-10.51%
57
Neutral
$51.63M22.422.70%152.27%
$53.07M-0.80%
60
Neutral
$49.00M24.173.88%0.99%19.16%
54
Neutral
$89.72M>-0.01%13.69%77.14%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CLST
Catalyst Bancorp
12.35
0.80
6.93%
HFBL
Home Federal Bancorp Of Louisiana
13.50
2.49
22.62%
OPHC
Optimumbank Holdings
4.41
0.11
2.56%
FSEA
First Seacoast Bancorp
11.25
2.25
25.00%
TCBS
Texas Community
16.10
1.65
11.42%
CFSB
CFSB Bancorp, Inc
13.70
7.13
108.52%

Catalyst Bancorp Corporate Events

Executive/Board ChangesShareholder Meetings
Catalyst Bancorp Holds Annual Shareholders Meeting
Neutral
May 22, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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.Date of analysis: May 03, 2025