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Catalyst Bancorp, Inc.(CLST)Earnings, Financials & Key Ratios
CLST•NASDAQ•Banking & Credit
$15.87
$64M mkt cap·28.3× P/E·Price updated May 6, 2026
AboutCatalyst 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.Show more
- Net Interest Income$10M+2.6%
- Total Revenue$15M+55.3%
- Net Income$2M+166.4%
- Return on Equity2.53%+167.6%
- Net Interest Margin3.46%+0.3%
- Efficiency Ratio56.52%-38.1%
- ROA0.73%+165.0%
- Equity / Assets28.89%-0.3%
- Book Value per Share21.93+7.7%
- Tangible BV/Share21.93+7.7%
- Debt/Equity0.18+51.3%
CLST Key Insights
Catalyst Bancorp, Inc. (CLST) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Well capitalized: 28.9% equity/assets
- ✓Share count reduced 5.4% through buybacks
- ✓Trading at only 0.7x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CLST Price & Volume
Catalyst Bancorp, Inc. (CLST) stock price & volume — 10-year historical chart
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CLST Growth Metrics
Catalyst Bancorp, Inc. (CLST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years10.55%
3 Years19.37%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years125.06%
TTM166.43%
EPS CAGR
10 Years-
5 Years-
3 Years141.01%
TTM174.67%
Return on Capital
10 Years0.37%
5 Years0.43%
3 Years-0.28%
Last Year2.65%
CLST Peer Comparison
Catalyst Bancorp, Inc. (CLST) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 LKFN | 1.62B | 62.32 | 15.54 | -1.93% | 14.19% | 0.24 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 HOMB | 5.32B | 27.03 | 13.45 | 9.47% | 10.86% | 0.30 | ||
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 FBIZ | 470.37M | 56.38 | 9.30 | 6.43% | 14.12% | 0.70 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 CTBI | 1.2B | 66.27 | 14.38 | 15.23% | 11.22% | 0.42 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 |
Compare CLST vs Peers
Catalyst Bancorp, Inc. (CLST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CLST Income Statement
Catalyst Bancorp, Inc. (CLST) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 7.06M | 6.79M | 6.9M | 7.33M | 7.71M | 9.54M | 9.79M |
| NII Growth % | - | -3.91% | 1.75% | 6.18% | 5.1% | 23.88% | 2.57% |
| Net Interest Margin % | 3.23% | 3.02% | 2.42% | 2.78% | 2.84% | 3.45% | 3.46% |
| Interest Income | 8.97M | 8.49M | 7.7M | 8.01M | 9.66M | 13.86M | 13.9M |
| Interest Expense | 1.91M | 1.71M | 795K | 683K | 1.96M | 4.32M | 4.11M |
| Loan Loss Provision | 75K | 985K | -660K | -375K | 128K | 531K | 60K |
| Non-Interest Income | 317K | 799K | 2.4M | 1M | 1.34M | -3.99M | 1.44M |
| Non-Interest Income % | 3.41% | 8.6% | 23.76% | 11.14% | 12.17% | -40.37% | 9.41% |
| Total Revenue | 9.29M▲ 0% | 9.29M▲ 0.0% | 10.1M▲ 8.7% | 9.02M▼ 10.7% | 11M▲ 22.0% | 9.88M▼ 10.2% | 15.34M▲ 55.3% |
| Revenue Growth % | - | 0.04% | 8.72% | -10.69% | 21.96% | -10.23% | 55.33% |
| Non-Interest Expense | 5.65M | 7.78M | 7.57M | 8.55M | 8.33M | 9.01M | 8.67M |
| Efficiency Ratio | 60.81% | 83.71% | 74.91% | 94.82% | 75.72% | 91.24% | 56.52% |
| Operating Income | 1.66M▲ 0% | -1.18M▼ 171.0% | 2.4M▲ 303.8% | 159K▼ 93.4% | 587K▲ 269.2% | -3.98M▼ 778.5% | 2.5M▲ 162.9% |
| Operating Margin % | 17.85% | -12.67% | 23.75% | 1.76% | 5.34% | -40.33% | 16.32% |
| Operating Income Growth % | - | -171.03% | 303.82% | -93.37% | 269.18% | -778.53% | 162.87% |
| Pretax Income | 1.66M▲ 0% | -1.18M▼ 171.0% | 2.4M▲ 303.8% | 159K▼ 93.4% | 587K▲ 269.2% | -3.98M▼ 778.5% | 2.5M▲ 162.9% |
| Pretax Margin % | 17.85% | -12.67% | 23.75% | 1.76% | 5.34% | -40.33% | 16.32% |
| Income Tax | 329K | -474K | 484K | -21K | 61K | -894K | 452K |
| Effective Tax Rate % | 19.86% | 40.27% | 20.18% | -13.21% | 10.39% | 22.45% | 18.05% |
| Net Income | 1.33M▲ 0% | -703K▼ 152.9% | 1.92M▲ 372.4% | 180K▼ 90.6% | 526K▲ 192.2% | -3.09M▼ 687.3% | 2.05M▲ 166.4% |
| Net Margin % | 14.3% | -7.57% | 18.96% | 2% | 4.78% | -31.28% | 13.38% |
| Net Income Growth % | - | -152.94% | 372.4% | -90.6% | 192.22% | -687.26% | 166.43% |
| Net Income (Continuing) | 1.33M | -703K | 1.92M | 180K | 526K | -3.09M | 2.05M |
| EPS (Diluted) | 0.25▲ 0% | -0.13▼ 152.0% | 0.40▲ 407.7% | 0.04▼ 90.0% | 0.12▲ 200.0% | -0.78▼ 750.0% | 0.56▲ 171.8% |
| EPS Growth % | - | -152% | 407.69% | -90% | 200% | -750% | 171.79% |
| EPS (Basic) | 0.25 | -0.13 | 0.40 | 0.04 | 0.12 | -0.78 | 0.56 |
| Diluted Shares Outstanding | 5.29M | 5.29M | 4.82M | 4.5M | 4.3M | 3.94M | 3.73M |
CLST Balance Sheet
Catalyst Bancorp, Inc. (CLST) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 32.13M | 45.98M | 129.22M | 93.07M | 20.65M | 44.3M | 74.09M |
| Cash & Due from Banks | 17.91M | 25.25M | 40.88M | 13.47M | 19.01M | 44.3M | 25.2M |
| Short Term Investments | 14.22M | 20.73M | 88.34M | 79.6M | 1.64M | 0 | 48.89M |
| Total Investments | 188.93M | 187.03M | 231.66M | 224.88M | 226.8M | 206.71M | 233.23M |
| Investments Growth % | - | -1.01% | 23.86% | -2.93% | 0.85% | -8.86% | 12.83% |
| Long-Term Investments | 174.71M | 166.3M | 143.32M | 145.28M | 225.15M | 206.71M | 184.34M |
| Accounts Receivables | 577K | 564K | 579K | 673K | 906K | 851K | 907K |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 5.29M | 5.49M | 6.58M | 6.3M | 6.07M | 6.08M | 5.85M |
| Other Assets | 5.79M | 6.36M | 5.91M | 18.04M | 16.02M | 18.75M | 17.74M |
| Total Current Assets | 32.71M | 46.54M | 129.8M | 93.75M | 21.56M | 45.15M | 75M |
| Total Non-Current Assets | 185.79M | 178.15M | 155.81M | 169.62M | 249.37M | 231.55M | 207.93M |
| Total Assets | 218.5M▲ 0% | 224.69M▲ 2.8% | 285.61M▲ 27.1% | 263.36M▼ 7.8% | 270.93M▲ 2.9% | 276.7M▲ 2.1% | 282.93M▲ 2.3% |
| Asset Growth % | - | 2.83% | 27.11% | -7.79% | 2.87% | 2.13% | 2.25% |
| Return on Assets (ROA) | 0.61% | -0.32% | 0.75% | 0.07% | 0.2% | -1.13% | 0.73% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 0 | 0 | 0 | 0 | 9.38M | 9.56M | 14.73M |
| Net Debt | -17.91M | -25.25M | -40.88M | -13.47M | -9.63M | -34.74M | -10.47M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 9.38M | 9.56M | 14.73M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 25.75M | 9.56M | 10.26M | 9.76M | 11.37M | 1.26M | 1.2M |
| Total Current Liabilities | 141.63M | 164.6M | 176.79M | 165.09M | 165.62M | 185.67M | 185.27M |
| Total Non-Current Liabilities | 25.75M | 9.56M | 10.26M | 9.76M | 20.75M | 10.82M | 15.93M |
| Total Liabilities | 167.38M | 174.16M | 187.06M | 174.85M | 186.37M | 196.49M | 201.2M |
| Total Equity | 51.12M▲ 0% | 50.53M▼ 1.1% | 98.55M▲ 95.0% | 88.51M▼ 10.2% | 84.56M▼ 4.5% | 80.2M▼ 5.2% | 81.72M▲ 1.9% |
| Equity Growth % | - | -1.14% | 95.03% | -10.19% | -4.47% | -5.15% | 1.9% |
| Equity / Assets (Capital Ratio) | 23.39% | 22.49% | 34.51% | 33.61% | 31.21% | 28.99% | 28.89% |
| Return on Equity (ROE) | 2.6% | -1.38% | 2.57% | 0.19% | 0.61% | -3.75% | 2.53% |
| Book Value per Share | 9.66 | 9.55 | 20.46 | 19.67 | 19.66 | 20.36 | 21.93 |
| Tangible BV per Share | 9.66 | 9.55 | 20.46 | 19.67 | 19.66 | 20.36 | 21.93 |
| Common Stock | 0 | 0 | 53K | 53K | 48K | 43K | 41K |
| Additional Paid-in Capital | 0 | 0 | 50.8M | 51.06M | 45.02M | 39.56M | 37.36M |
| Retained Earnings | 51.13M | 50.43M | 52.56M | 52.78M | 52.95M | 49.86M | 51.91M |
| Accumulated OCI | -12K | 107K | -683K | -9.07M | -7.24M | -3.56M | -2.41M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CLST Cash Flow Statement
Catalyst Bancorp, Inc. (CLST) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.71M | 857K | 3.43M | 772K | 2.01M | 3.17M | 3.29M |
| Operating CF Growth % | - | -49.91% | 300% | -77.48% | 160.1% | 57.97% | 3.63% |
| Net Income | 1.33M | -703K | 1.92M | 180K | 526K | -3.09M | 2.05M |
| Depreciation & Amortization | 296K | 347K | 424K | 448K | 403K | 412K | 0 |
| Deferred Taxes | 0 | 0 | 152K | -9K | -12K | -894K | 0 |
| Other Non-Cash Items | 149K | 1.43M | -118K | 320K | 296K | 5.86M | 2.02M |
| Working Capital Changes | -62K | -221K | 982K | -639K | 26K | 68K | -785K |
| Cash from Investing | 4.16M | -313K | -46.59M | -14.14M | -267K | 17.82M | -24.39M |
| Purchase of Investments | -10.58M | -34.14M | -77.55M | -13.21M | 0 | -7.87M | 0 |
| Sale/Maturity of Investments | 17.79M | 23.18M | 12.55M | 10.88M | 11M | 48.73M | 0 |
| Net Investment Activity | 7.21M | -10.96M | -64.99M | -2.32M | 11M | 40.85M | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -760K | 11.2M | 19.91M | -11.57M | -11.1M | -22.61M | -24.39M |
| Cash from Financing | -4.81M | 6.79M | 58.8M | -14.04M | 3.8M | 4.29M | 2.01M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | -2.34M | -6.32M | -5.76M | -2.59M |
| Stock Issued | 0 | 0 | 50.84M | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 50.84M | -2.34M | -6.32M | -5.76M | -2.59M |
| Debt Issuance (Net) | 0 | -1000K | -1000K | 0 | 1000K | -1000K | 1000K |
| Other Financing | -4.81M | 22.97M | 12.2M | -11.7M | 113K | 20.05M | -400K |
| Net Change in Cash | 1.07M▲ 0% | 7.34M▲ 586.9% | 15.64M▲ 113.2% | -27.41M▼ 275.3% | 5.54M▲ 120.2% | 25.28M▲ 356.5% | -19.09M▼ 175.5% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 16.84M | 17.91M | 25.25M | 40.88M | 13.47M | 19.01M | 44.3M |
| Cash at End | 17.91M | 25.25M | 40.88M | 13.47M | 19.01M | 44.3M | 25.2M |
| Interest Paid | 1.9M | 1.77M | 634K | 496K | 1.4M | 4.29M | 3.98M |
| Income Taxes Paid | 112K | 75K | 82K | 243K | 0 | 200K | 116K |
| Free Cash Flow | -581K▲ 0% | 310K▲ 153.4% | 1.92M▲ 518.1% | 520K▼ 72.9% | 1.84M▲ 253.1% | 2.74M▲ 49.3% | 3.1M▲ 13.0% |
| FCF Growth % | - | 153.36% | 518.06% | -72.86% | 253.08% | 49.35% | 13.02% |
CLST Banking Ratios
Catalyst Bancorp, Inc. (CLST) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.6% | -1.38% | 2.57% | 0.19% | 0.61% | -3.75% | 2.53% |
| Return on Assets (ROA) | 0.61% | -0.32% | 0.75% | 0.07% | 0.2% | -1.13% | 0.73% |
| Net Interest Margin | 3.23% | 3.02% | 2.42% | 2.78% | 2.84% | 3.45% | 3.46% |
| Efficiency Ratio | 60.81% | 83.71% | 74.91% | 94.82% | 75.72% | 91.24% | 56.52% |
| Equity / Assets | 23.39% | 22.49% | 34.51% | 33.61% | 31.21% | 28.99% | 28.89% |
| Book Value / Share | 9.66 | 9.55 | 20.46 | 19.67 | 19.66 | 20.36 | 21.93 |
| NII Growth | - | -3.91% | 1.75% | 6.18% | 5.1% | 23.88% | 2.57% |
CLST SEC Filings & Documents
Catalyst Bancorp, Inc. (CLST) SEC filings — annual & quarterly reports (10-K, 10-Q)
CLST Frequently Asked Questions
Catalyst Bancorp, Inc. (CLST) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Catalyst Bancorp, Inc. (CLST) grew revenue by 55.3% over the past year. This is strong growth.
Yes, Catalyst Bancorp, Inc. (CLST) is profitable, generating $2.1M in net income for fiscal year 2025 (13.4% net margin).
Dividend & Returns
Catalyst Bancorp, Inc. (CLST) has a return on equity (ROE) of 2.5%. This is below average, suggesting room for improvement.
Industry Metrics
Catalyst Bancorp, Inc. (CLST) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
Catalyst Bancorp, Inc. (CLST) has an efficiency ratio of 56.5%. This is reasonable for a bank.
Explore More CLST
Catalyst Bancorp, Inc. (CLST) financial analysis — history, returns, DCA and operating performance tools
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Dividend History
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Earnings History
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Price History
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Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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