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Catalyst Bancorp
(NASDAQ:CLST)
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Rating:67Neutral
Price Target:
$18.00
▲(14.36% Upside)
Action:Reiterated
Date:07/15/26
The score is driven primarily by improved recent profitability, steady positive cash generation, and a conservatively levered balance sheet, offset by low ROE and a history of earnings volatility. Technicals are supportive with the stock above major moving averages and positive MACD, while valuation is a headwind given the high P/E and lack of dividend yield support. The completed acquisition is a modest positive catalyst but carries integration execution risk.
Positive Factors
Conservative balance sheet
Catalyst’s low debt-to-equity (~0.11–0.18) and sizeable equity base provide durable balance-sheet flexibility. This conservative leverage reduces refinancing and liquidity risk, supports lending capacity during stress, and gives strategic optionality for organic growth or targeted M&A over the next several quarters.
Negative Factors
Low return on equity
ROE near 2.5% signals limited effectiveness converting equity into earnings. Persistently low ROE constrains the company’s ability to generate attractive shareholder returns, limits retained-earnings driven growth, and may pressure capital allocation choices across investments, dividends and future acquisitions.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Catalyst’s low debt-to-equity (~0.11–0.18) and sizeable equity base provide durable balance-sheet flexibility. This conservative leverage reduces refinancing and liquidity risk, supports lending capacity during stress, and gives strategic optionality for organic growth or targeted M&A over the next several quarters.
Read all positive factors
Catalyst Bancorp (CLST) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$68.88M
Dividend YieldN/A
Average Volume (3M)4.74K
Price to Earnings (P/E)29.9
Beta (1Y)0.13
Revenue Growth-0.66%
EPS Growth-1.32%
CountryUS
Employees49
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.56
Shares Outstanding4,051,896
10 Day Avg. Volume6,130
30 Day Avg. Volume4,742
Financial Highlights & Ratios
PEG Ratio-0.16
Price to Book (P/B)0.72
Price to Sales (P/S)3.82
P/FCF Ratio18.92
Enterprise Value/Market Cap1.02
Enterprise Value/Revenue4.58
Enterprise Value/Gross Profit6.25
Enterprise Value/Ebitda24.39
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. functions as the parent entity for St. Landry Homestead Federal Savings Bank, providing a comprehensive suite of financial products and services across the Acadiana region in south-central Louisiana. The institution offers d...
Catalyst Bancorp Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.40M | 15.34M | 9.88M | 11.00M | 9.02M | 10.10M |
| Gross Profit | 11.28M | 11.17M | 5.03M | 8.92M | 8.71M | 9.96M |
| EBITDA | 2.89M | 2.93M | -3.57M | 990.00K | 607.00K | 2.82M |
| Net Income | 2.02M | 2.05M | -3.09M | 526.00K | 180.00K | 1.92M |
Balance Sheet | ||||||
| Total Assets | 288.51M | 282.93M | 276.70M | 270.93M | 263.36M | 285.61M |
| Cash, Cash Equivalents and Short-Term Investments | 85.20M | 74.09M | 44.30M | 20.65M | 93.07M | 129.22M |
| Total Debt | 9.76M | 14.73M | 9.56M | 9.38M | 0.00 | 0.00 |
| Total Liabilities | 206.30M | 201.20M | 196.49M | 186.37M | 174.85M | 187.06M |
| Stockholders Equity | 82.21M | 81.72M | 80.20M | 84.56M | 88.51M | 98.55M |
Cash Flow | ||||||
| Free Cash Flow | 3.40M | 3.10M | 2.74M | 1.84M | 520.00K | 1.92M |
| Operating Cash Flow | 3.52M | 3.29M | 3.17M | 2.01M | 772.00K | 3.43M |
| Investing Cash Flow | -18.10M | -24.39M | 17.82M | -267.00K | -14.14M | -46.59M |
| Financing Cash Flow | 12.79M | 2.01M | 4.29M | 3.80M | -14.04M | 58.80M |
Catalyst Bancorp Technical Analysis
Positive
15.74
Price Trends
16.18
Positive
16.28
Positive
15.53
Positive
Market Momentum
0.16
Negative
58.65
Neutral
60.77
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 16.52, below the 50-day MA of 16.18, and above the 200-day MA of 15.53, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 58.65 is Neutral, neither overbought nor oversold. The STOCH value of 60.77 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $67.89M | 11.27 | 10.42% | 3.21% | 5.66% | 79.41% | |
77 Outperform | $73.61M | 4.05 | 14.63% | ― | 15.64% | 5.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $68.88M | 29.91 | 2.48% | ― | -0.66% | -1.32% | |
58 Neutral | $50.96M | 16.26 | 5.34% | 1.10% | 3.83% | 59.54% |
* Financial Sector Average
CLST
Catalyst Bancorp
16.75
4.50
36.73%
HFBL
Home Federal Bancorp Of Louisiana
22.08
9.01
68.99%
OPHC
Optimumbank Holdings
6.00
1.49
33.04%
FSEA
First Seacoast Bancorp
16.89
5.64
50.13%
TCBS
Texas Community
17.40
1.62
10.29%
Catalyst Bancorp Corporate Events
Business Operations and StrategyM&A Transactions
Catalyst Bancorp Completes Lakeside Bancshares Acquisition
Positive
Jul 15, 2026
On July 14, 2026, Catalyst Bancorp, Inc., the parent of Catalyst Bank, completed its previously announced acquisition of Lakeside Bancshares, Inc. and Lakeside Bank, expanding its footprint in Southwest Louisiana. Lakeside Bank, which had $375.7 m...
Business Operations and StrategyM&A TransactionsShareholder Meetings
Catalyst Bancorp advances merger with Lakeside Bancshares
Positive
Jun 26, 2026
On June 26, 2026, Catalyst Bancorp and Lakeside Bancshares reported that Lakeside shareholders had approved their pending mergers and that all necessary regulatory approvals had been secured. The transactions, which will see Lakeside and Lakeside ...
Executive/Board ChangesShareholder Meetings
Catalyst Bancorp Shareholders Reelect Directors, Ratify Auditor
Positive
May 21, 2026
At Catalyst Bancorp, Inc.’s Annual Meeting of Shareholders held on May 19, 2026, 2,932,637 of the 4,058,297 eligible common shares were represented in person or by proxy, constituting a quorum for conducting corporate business. Shareholders ...
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.