Catalyst Bancorp (CLST) AI Stock Analysis

• Market Cap: $60.84M
• Dividend Yield: N/A
• Average Volume (3M): 4.74K
• Price to Earnings (P/E): 25.5
• Beta (1Y): 0.17
• Revenue Growth: 76.66%
• EPS Growth: N/A
• Country: US
• Employees: 49
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.13
• Shares Outstanding: 4,138,765
• 10 Day Avg. Volume: 6,130
• 30 Day Avg. Volume: 4,742
• PEG Ratio: 0.02
• Price to Book (P/B): 0.58
• Price to Sales (P/S): 4.69
• P/FCF Ratio: 16.91
• Enterprise Value/Market Cap: 0.84
• Enterprise Value/Revenue: 3.24
• Enterprise Value/Gross Profit: 4.54
• Enterprise Value/Ebitda: 16.50
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $16.00 ▲(5.96% Upside)

Catalyst Bancorp's overall stock score is driven by positive technical indicators and a strategic share repurchase program, which are offset by significant financial performance challenges. The stock's valuation is moderate, but the lack of a dividend yield may deter some investors.

Positive Factors

Share Repurchase Program

The ongoing share repurchase program reflects management's confidence in the company's future prospects and can enhance shareholder value by reducing the number of outstanding shares, potentially increasing earnings per share and market perception.

Stable Balance Sheet

A stable balance sheet with a strong equity position and reduced leverage provides financial stability and flexibility, enabling Catalyst Bancorp to navigate economic uncertainties and invest in growth opportunities.

Digital Banking Solutions

By leveraging digital banking solutions, Catalyst Bancorp enhances customer experience and operational efficiency, attracting more customers and supporting long-term revenue growth in a competitive financial services market.

Negative Factors

Declining Revenue

The significant decline in revenue indicates challenges in maintaining market share and competitiveness, which could impact long-term profitability and the ability to invest in business growth.

Negative Profit Margins

Sustained negative profit margins reflect operational inefficiencies and could hinder Catalyst Bancorp's ability to generate sufficient returns, affecting its long-term financial health and shareholder value.

Zero Operating Cash Flow

The absence of operating cash flow suggests liquidity constraints and challenges in covering operational expenses, which may limit Catalyst Bancorp's ability to invest in growth and manage financial obligations effectively.

Catalyst Bancorp Business Overview & Revenue Model

Company Description

Catalyst Bancorp (CLST) is a financial services holding company that operates primarily through its banking subsidiary. The company is engaged in a range of banking activities, including retail and commercial banking, mortgage lending, and wealth management services. Catalyst Bancorp aims to serve individuals, businesses, and communities by providing tailored financial solutions, leveraging technology to enhance customer experience and operational efficiency.

How the Company Makes Money

Catalyst Bancorp generates revenue through several key streams. The primary source of income is net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. The bank offers various loan products, including personal loans, commercial loans, and mortgages, which contribute significantly to its interest earnings. Additionally, the company earns non-interest income from fees charged for services such as account maintenance, transaction services, and wealth management advisory fees. Partnerships with local businesses and community organizations also enhance its market presence and client base, further contributing to revenue growth. The bank's focus on digital banking solutions has also expanded its reach, attracting more customers and enhancing overall profitability.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	15.78M	9.88M	11.00M	9.02M	10.10M	9.29M
Gross Profit	11.26M	5.03M	8.92M	8.71M	9.96M	6.60M
EBITDA	3.10M	-3.57M	990.00K	607.00K	2.82M	-830.00K
Net Income	2.18M	-3.09M	526.00K	180.00K	1.92M	-703.00K
Balance Sheet
Total Assets	273.79M	276.70M	270.93M	263.36M	285.61M	224.69M
Cash, Cash Equivalents and Short-Term Investments	69.35M	44.30M	20.65M	93.07M	129.22M	45.98M
Total Debt	9.65M	9.56M	9.38M	0.00	0.00	0.00
Total Liabilities	192.99M	196.49M	186.37M	174.85M	187.06M	174.16M
Stockholders Equity	80.80M	80.20M	84.56M	88.51M	98.55M	50.53M
Cash Flow
Free Cash Flow	2.83M	2.74M	1.84M	520.00K	1.92M	310.00K
Operating Cash Flow	3.11M	3.17M	2.01M	772.00K	3.43M	857.00K
Investing Cash Flow	-15.90M	17.82M	-267.00K	-14.14M	-46.59M	-313.00K
Financing Cash Flow	-22.60M	4.29M	3.80M	-14.04M	58.80M	6.79M

Catalyst Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• 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 15.1 is above the 20-day moving average (MA) of 14.95, above the 50-day MA of 14.16, and above the 200-day MA of 12.65, indicating a bullish trend. The MACD of 0.25 indicates Positive momentum. The RSI at 70.45 is Negative, neither overbought nor oversold. The STOCH value of 62.22 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
HFBL	80 Outperform	$48.61M	10.75	8.21%	2.94%	0.32%	37.93%
OPHC	73 Outperform	$47.30M	3.13	15.03%	―	14.91%	0.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLST	66 Neutral	$60.84M	25.54	2.72%	―	76.66%	―
TCBS	55 Neutral	$46.42M	18.73	4.74%	1.23%	12.12%	―
CFSB	54 Neutral	―	―	-0.35%	―	11.64%	-913.46%

Catalyst Bancorp Corporate Events

Catalyst Bancorp Announces Sixth Share Repurchase Program

On November 20, 2025, Catalyst Bancorp, Inc. announced the approval of its sixth share repurchase program, allowing the company to buy back up to 205,000 shares, which is about 5% of its outstanding common stock. This move is part of the company’s ongoing strategy to manage its capital structure, following the repurchase of 1,180,817 shares since January 2023. The new repurchase plan is expected to impact the company’s market presence and shareholder value positively.