| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| FFINFirst Financial Bankshares, Inc. | 4.68B | 32.65 | 20.93 | 18.79% | 30.24% | 14.14% | 6.26% | 0.12 |
| FHNFirst Horizon Corporation | 11.85B | 24.44 | 17.97 | 4.71% | 15.7% | 9.58% | 10.33% | 0.50 |
| AUBAtlantic Union Bankshares Corporation | 5.47B | 38.36 | 17.13 | 28.8% | 15.53% | 4.22% | 5.51% | 0.17 |
| UCBUnited Community Banks, Inc. | 4.09B | 33.91 | 16.62 | 14.65% | 17.05% | 8.83% | 7.4% | 0.13 |
| SNVSynovus Financial Corp. | 6.95B | 50.05 | 16.52 | 1.16% | 14.09% | 13.7% | 11.01% | 0.35 |
| PNFPPinnacle Financial Partners, Inc. | 14.67B | 97.65 | 16.38 | 15.32% | 16.65% | 9.1% | 5.5% | 0.39 |
| CADECadence Bank | 8.27B | 44.40 | 16.03 | 32.37% | 18.03% | 9.08% | 9.39% | 0.01 |
| ABCBAmeris Bancorp | 5.56B | 81.41 | 15.69 | 9.75% | 21.97% | 9.91% | 2.53% | 0.11 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Net Interest Income | 7.06M | 6.79M | 6.9M | 7.33M | 7.71M | 9.54M |
| NII Growth % | - | -0.04% | 0.02% | 0.06% | 0.05% | 0.24% |
| Net Interest Margin % | - | - | - | - | - | - |
| Interest Income | 8.97M | 8.49M | 7.7M | 8.01M | 9.66M | 13.86M |
| Interest Expense | 1.91M | 1.71M | 795K | 683K | 1.96M | 4.32M |
| Loan Loss Provision | 75K | 985K | -660K | -375K | 128K | 531K |
| Non-Interest Income | 317K | 799K | 2.4M | 1M | 1.34M | -3.99M |
| Non-Interest Income % | - | - | - | - | - | - |
| Total Revenue | 9.29M | 9.29M | 10.1M | 9.02M | 11M | 9.88M |
| Revenue Growth % | - | 0% | 0.09% | -0.11% | 0.22% | -0.1% |
| Non-Interest Expense | 5.65M | 7.78M | 7.57M | 8.55M | 8.33M | 9.01M |
| Efficiency Ratio | - | - | - | - | - | - |
| Operating Income | 1.66M | -1.18M | 2.4M | 159K | 587K | -3.98M |
| Operating Margin % | - | - | - | - | - | - |
| Operating Income Growth % | - | -1.71% | 3.04% | -0.93% | 2.69% | -7.79% |
| Pretax Income | 1.66M | -1.18M | 2.4M | 159K | 587K | -3.98M |
| Pretax Margin % | - | - | - | - | - | - |
| Income Tax | 329K | -474K | 484K | -21K | 61K | -894K |
| Effective Tax Rate % | - | - | - | - | - | - |
| Net Income | 1.33M | -703K | 1.92M | 180K | 526K | -3.09M |
| Net Margin % | - | - | - | - | - | - |
| Net Income Growth % | - | -1.53% | 3.72% | -0.91% | 1.92% | -6.87% |
| Net Income (Continuing) | 1.33M | -703K | 1.92M | 180K | 526K | -3.09M |
| EPS (Diluted) | 0.25 | -0.13 | 0.40 | 0.04 | 0.12 | -0.78 |
| EPS Growth % | - | -1.52% | 4.08% | -0.9% | 2% | -7.5% |
| EPS (Basic) | 0.25 | -0.13 | 0.40 | 0.04 | 0.12 | -0.78 |
| Diluted Shares Outstanding | 5.29M | 5.29M | 4.82M | 4.5M | 4.3M | 3.94M |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 17.91M | 25.25M | 40.88M | 13.47M | 19.01M | 44.3M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Total Investments | 188.93M | 187.03M | 231.66M | 224.88M | 226.8M | 206.71M |
| Investments Growth % | - | -0.01% | 0.24% | -0.03% | 0.01% | -0.09% |
| Long-Term Investments | 174.71M | 166.3M | 143.32M | 145.28M | 225.15M | 206.71M |
| Accounts Receivables | 577K | 564K | 579K | 673K | 906K | 851K |
| Goodwill & Intangibles | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 5.29M | 5.49M | 6.58M | 6.3M | 6.07M | 6.08M |
| Other Assets | 5.79M | 6.36M | 5.91M | 18.04M | 16.02M | 18.75M |
| Total Current Assets | 32.71M | 46.54M | 129.8M | 93.75M | 21.56M | 45.15M |
| Total Non-Current Assets | 185.79M | 178.15M | 155.81M | 169.62M | 249.37M | 231.55M |
| Total Assets | 218.5M | 224.69M | 285.61M | 263.36M | 270.93M | 276.7M |
| Asset Growth % | - | 0.03% | 0.27% | -0.08% | 0.03% | 0.02% |
| Return on Assets (ROA) | 0.01% | -0% | 0.01% | 0% | 0% | -0.01% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 0 | 0 | 0 | 0 | 9.38M | 9.56M |
| Net Debt | -17.91M | -25.25M | -40.88M | -13.47M | -9.63M | -34.74M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 9.38M | 9.56M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 25.75M | 9.56M | 10.26M | 9.76M | 11.37M | 1.26M |
| Total Current Liabilities | 141.63M | 164.6M | 176.79M | 165.09M | 165.62M | 185.67M |
| Total Non-Current Liabilities | 25.75M | 9.56M | 10.26M | 9.76M | 20.75M | 10.82M |
| Total Liabilities | 167.38M | 174.16M | 187.06M | 174.85M | 186.37M | 196.49M |
| Total Equity | 51.12M | 50.53M | 98.55M | 88.51M | 84.56M | 80.2M |
| Equity Growth % | - | -0.01% | 0.95% | -0.1% | -0.04% | -0.05% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.03% | -0.01% | 0.03% | 0% | 0.01% | -0.04% |
| Book Value per Share | 9.66 | 9.55 | 20.46 | 19.67 | 19.66 | 20.36 |
| Tangible BV per Share | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 53K | 53K | 48K | 43K |
| Additional Paid-in Capital | 0 | 0 | 50.8M | 51.06M | 45.02M | 39.56M |
| Retained Earnings | 51.13M | 50.43M | 52.56M | 52.78M | 52.95M | 49.86M |
| Accumulated OCI | -12K | 107K | -683K | -9.07M | -7.24M | -3.56M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | 1.71M | 857K | 3.43M | 772K | 2.01M | 3.17M |
| Operating CF Growth % | - | -0.5% | 3% | -0.77% | 1.6% | 0.58% |
| Net Income | 1.33M | -703K | 1.92M | 180K | 526K | -3.09M |
| Depreciation & Amortization | 296K | 347K | 424K | 448K | 403K | 412K |
| Deferred Taxes | 0 | 0 | 152K | -9K | -12K | -894K |
| Other Non-Cash Items | 149K | 1.43M | -28K | 320K | 705K | 5.86M |
| Working Capital Changes | -62K | -221K | 892K | -639K | -383K | 68K |
| Cash from Investing | 4.16M | -313K | -46.59M | -14.14M | -267K | 17.82M |
| Purchase of Investments | -10.58M | -34.14M | -77.55M | -13.21M | 0 | -7.87M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -760K | 11.2M | 19.91M | -11.57M | -11.1M | -22.61M |
| Cash from Financing | -4.81M | 6.79M | 58.8M | -14.04M | 3.8M | 4.29M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -2.34M | -6.32M | -5.76M |
| Stock Issued | 0 | 0 | 50.84M | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | -1000K | 0 | 0 | 1000K | -1000K |
| Other Financing | -4.81M | 22.97M | 7.96M | -11.7M | 113K | 20.05M |
| Net Change in Cash | 1.07M | 7.34M | 15.64M | -27.41M | 5.54M | 25.28M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 16.84M | 17.91M | 25.25M | 40.88M | 13.47M | 19.01M |
| Cash at End | 17.91M | 25.25M | 40.88M | 13.47M | 19.01M | 44.3M |
| Interest Paid | 1.9M | 1.77M | 634K | 496K | 1.4M | 4.29M |
| Income Taxes Paid | 112K | 75K | 82K | 243K | 0 | 200K |
| Free Cash Flow | -581K | 310K | 1.92M | 520K | 1.84M | 2.74M |
| FCF Growth % | - | 1.53% | 5.18% | -0.73% | 2.53% | 0.49% |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.6% | -1.38% | 2.57% | 0.19% | 0.61% | -3.75% |
| Return on Assets (ROA) | 0.61% | -0.32% | 0.75% | 0.07% | 0.2% | -1.13% |
| Net Interest Margin | 3.23% | 3.02% | 2.42% | 2.78% | 2.84% | 3.45% |
| Efficiency Ratio | 60.81% | 83.71% | 74.91% | 94.82% | 75.72% | 91.24% |
| Equity / Assets | 23.39% | 22.49% | 34.51% | 33.61% | 31.21% | 28.99% |
| Book Value / Share | 9.66 | 9.55 | 20.46 | 19.67 | 19.66 | 20.36 |
| NII Growth | - | -3.91% | 1.75% | 6.18% | 5.1% | 23.88% |
Catalyst Bancorp, Inc. (CLST) saw revenue decline by 10.2% over the past year.
Yes, Catalyst Bancorp, Inc. (CLST) is profitable, generating $2.2M in net income for fiscal year 2024 (-31.3% net margin).
Catalyst Bancorp, Inc. (CLST) has a return on equity (ROE) of -3.7%. Negative ROE indicates the company is unprofitable.
Catalyst Bancorp, Inc. (CLST) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
Catalyst Bancorp, Inc. (CLST) has an efficiency ratio of 91.2%. This is higher than peers, suggesting room for cost optimization.