Catalyst Bancorp (CLST)
NASDAQ:CLST
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Catalyst Bancorp
(NASDAQ:CLST)
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Rating:67Neutral
Price Target:
$18.00
▲(14.36% Upside)
Action:ReiteratedDate:04/01/26
The score is driven primarily by the improved 2025 financial turnaround and a conservatively levered balance sheet, reinforced by positive technical trend signals. The main offset is valuation, with a relatively high P/E and no dividend yield provided, while multi-year earnings volatility keeps the overall assessment from scoring higher.
Positive Factors
Low leverage / conservative balance sheet
A low debt-to-equity ratio and a sizable equity base provide financial flexibility and lower default risk. This conservative capital structure supports resilience through economic cycles, enabling continued lending and investment without heavy reliance on volatile external financing.
Negative Factors
Uneven revenue and earnings history
Volatile top-line and profit swings reduce confidence in sustainable growth and forecasting. Structural inconsistency complicates strategic planning and capital deployment, making it harder to rely on recurring earnings to fund expansion or absorb shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage / conservative balance sheet
A low debt-to-equity ratio and a sizable equity base provide financial flexibility and lower default risk. This conservative capital structure supports resilience through economic cycles, enabling continued lending and investment without heavy reliance on volatile external financing.
Read all positive factors
Catalyst Bancorp (CLST) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$68.28M
Dividend YieldN/A
Average Volume (3M)4.74K
Price to Earnings (P/E)32.1
Beta (1Y)0.19
Revenue Growth76.66%
EPS GrowthN/A
CountryUS
Employees49
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.11
Shares Outstanding4,058,297
10 Day Avg. Volume6,130
30 Day Avg. Volume4,742
Financial Highlights & Ratios
PEG Ratio-0.17
Price to Book (P/B)0.72
Price to Sales (P/S)3.82
P/FCF Ratio18.92
Enterprise Value/Market Cap1.17
Enterprise Value/Revenue5.19
Enterprise Value/Gross Profit7.12
Enterprise Value/Ebitda28.31
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Catalyst Bancorp Business Overview & Revenue Model
Company Description
Catalyst 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, includi...
Catalyst Bancorp Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
72
Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 15.34M | 9.88M | 11.00M | 9.02M | 10.10M |
| Gross Profit | 11.17M | 5.03M | 8.92M | 8.71M | 9.96M |
| EBITDA | 2.50M | -3.57M | 990.00K | 607.00K | 2.82M |
| Net Income | 2.05M | -3.09M | 526.00K | 180.00K | 1.92M |
Balance Sheet | |||||
| Total Assets | 282.93M | 276.70M | 270.93M | 263.36M | 285.61M |
| Cash, Cash Equivalents and Short-Term Investments | 4.13M | 44.30M | 20.65M | 93.07M | 129.22M |
| Total Debt | 14.73M | 9.56M | 9.38M | 9.20M | 9.02M |
| Total Liabilities | 201.20M | 196.49M | 186.37M | 174.85M | 187.06M |
| Stockholders Equity | 81.72M | 80.20M | 84.56M | 88.51M | 98.55M |
Cash Flow | |||||
| Free Cash Flow | 3.10M | 2.74M | 1.84M | 520.00K | 1.92M |
| Operating Cash Flow | 3.29M | 3.17M | 2.01M | 772.00K | 3.43M |
| Investing Cash Flow | 615.00K | 17.82M | -267.00K | -14.14M | -46.59M |
| Financing Cash Flow | -2.59M | 4.29M | 3.80M | -14.04M | 58.80M |
Catalyst Bancorp Technical Analysis
Positive
15.74
Price Trends
16.28
Positive
15.77
Positive
14.35
Positive
Market Momentum
0.14
Negative
64.67
Neutral
25.71
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 15.74 is below the 20-day moving average (MA) of 16.59, below the 50-day MA of 16.28, and above the 200-day MA of 14.35, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 64.67 is Neutral, neither overbought nor oversold. The STOCH value of 25.71 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $54.41M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
78 Outperform | $64.24M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $68.28M | 32.15 | 2.53% | ― | 76.66% | ― | |
64 Neutral | $51.22M | 17.24 | 4.77% | 1.10% | 12.12% | ― |
* Financial Sector Average
CLST
Catalyst Bancorp
16.83
5.63
50.22%
HFBL
Home Federal Bancorp Of Louisiana
17.70
4.94
38.74%
OPHC
Optimumbank Holdings
5.28
1.51
40.05%
FSEA
First Seacoast Bancorp
12.69
2.10
19.83%
TCBS
Texas Community
17.75
1.86
11.73%
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.