Catalyst Bancorp, Inc. (CLST) Financial Ratios
7 years of historical data (2019–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
22.45
↓-35% vs avg
5yr avg: 34.35
30Y Low8.8·High72.0
P/FCF
↓
21.52
↓-48% vs avg
5yr avg: 41.10
30Y Low16.9·High109.9
P/B Ratio
↑
0.75
+18% vs avg
5yr avg: 0.63
30Y Low0.6·High0.7
ROE
↓
2.5%
↓+488% vs avg
5yr avg: 0.4%
30Y Low-4%·High3%
Debt/EBITDA
↓
5.88
↓-23% vs avg
5yr avg: 7.68
30Y Low5.9·High9.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CLST Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Catalyst Bancorp, Inc. trades at 29.3x earnings, 75% below its 5-year average of 117.5x, sitting at the 33rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 116%. On a free-cash-flow basis, the stock trades at 21.5x P/FCF, 48% below the 5-year average of 41.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $67M | $59M | $46M | $47M | $57M | $66M | — | — |
| Enterprise Value | $56M | $48M | $12M | $37M | $44M | $25M | — | — |
| P/E Ratio → | 29.34 | 28.12 | — | 90.33 | 317.50 | 34.17 | — | — |
| P/S Ratio | 4.35 | 3.83 | 4.69 | 4.24 | 6.34 | 6.52 | — | — |
| P/B Ratio | 0.75 | 0.72 | 0.58 | 0.55 | 0.65 | 0.67 | — | — |
| P/FCF | 21.52 | 18.94 | 16.91 | 25.39 | 109.90 | 34.37 | — | — |
| P/OCF | 20.29 | 17.85 | 14.62 | 23.21 | 74.03 | 19.21 | — | — |
P/E links to full P/E history page with 30-year chart
CLST EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Catalyst Bancorp, Inc.'s enterprise value stands at 22.4x EBITDA, 35% below its 5-year average of 34.4x. The Financial Services sector median is 11.4x, placing the stock at a 97% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.14 | 1.18 | 3.36 | 4.84 | 2.47 | — | — |
| EV / EBITDA | 22.45 | 19.25 | — | 37.35 | 71.96 | 8.85 | — | — |
| EV / EBIT | 22.45 | 19.25 | — | 63.00 | 274.70 | 10.41 | — | — |
| EV / FCF | — | 15.56 | 4.24 | 20.14 | 84.00 | 13.03 | — | — |
CLST Profitability
Margins and return-on-capital ratios measuring operating efficiency
Catalyst Bancorp, Inc. earns an operating margin of 16.3%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 5.3% to 16.3% over the past 3 years, signaling improving operational efficiency. ROE of 2.5% is modest, trailing the sector median of 9.0%. ROIC of 2.0% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.8% | 72.8% | 50.9% | 81.1% | 96.6% | 98.7% | 71.0% | 78.7% |
| Operating Margin | 16.3% | 16.3% | -40.3% | 5.3% | 1.8% | 23.8% | -12.7% | 17.8% |
| Net Profit Margin | 13.4% | 13.4% | -31.3% | 4.8% | 2.0% | 19.0% | -7.6% | 14.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | 2.5% | 2.5% | -3.7% | 0.6% | 0.2% | 2.6% | -1.4% | 2.6% |
| ROA | 0.7% | 0.7% | -1.1% | 0.2% | 0.1% | 0.8% | -0.3% | 0.6% |
| ROIC | 2.0% | 2.0% | -3.3% | 0.5% | 0.1% | 2.4% | -1.7% | 2.4% |
| ROCE | 2.7% | 2.7% | -4.1% | 0.6% | 0.2% | 2.8% | -1.7% | 2.2% |
CLST Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Catalyst Bancorp, Inc. carries a Debt/EBITDA ratio of 5.9x, which is highly leveraged (38% above the sector average of 4.3x). The company holds a net cash position — cash of $25M exceeds total debt of $15M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.12 | 0.11 | — | — | — | — |
| Debt / EBITDA | 5.88 | 5.88 | — | 9.47 | — | — | — | — |
| Net Debt / Equity | — | -0.13 | -0.43 | -0.11 | -0.15 | -0.41 | -0.50 | -0.35 |
| Net Debt / EBITDA | -4.18 | -4.18 | — | -9.73 | -22.19 | -14.48 | — | -9.17 |
| Debt / FCF | — | -3.38 | -12.67 | -5.25 | -25.91 | -21.34 | -81.44 | — |
| Interest Coverage | 0.61 | 0.61 | -0.92 | 0.30 | 0.23 | 3.02 | -0.69 | 0.87 |
Net cash position: cash ($25M) exceeds total debt ($15M)
CLST Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.40x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.13x to 0.40x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.40 | 0.40 | 0.24 | 0.13 | 0.57 | 0.73 | 0.28 | 0.23 |
| Quick Ratio | 0.40 | 0.40 | 0.24 | 0.13 | 0.57 | 0.73 | 0.28 | 0.23 |
| Cash Ratio | 0.14 | 0.14 | 0.24 | 0.11 | 0.08 | 0.23 | 0.15 | 0.13 |
| Asset Turnover | — | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
CLST Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Catalyst Bancorp, Inc. returns 3.9% to shareholders annually primarily through share buybacks. The earnings yield of 3.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.4% | 3.6% | — | 1.1% | 0.3% | 2.9% | — | — |
| FCF Yield | 4.6% | 5.3% | 5.9% | 3.9% | 0.9% | 2.9% | — | — |
| Buyback Yield | 3.9% | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.9% | — | — | — | — | — | — | — |
| Shares Outstanding | — | $4M | $4M | $4M | $5M | $5M | $5M | $5M |
Peer Comparison
Compare CLST with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CLSTYou | $67M | 29.3 | 22.4 | 21.5 | 72.8% | 16.3% | 2.5% | 2.0% | 5.9 |
 LKFN | $2B | 14.9 | 12.9 | 15.0 | 61.0% | 29.8% | 14.3% | 11.6% | 1.4 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 HOMB | $5B | 11.5 | 9.3 | 11.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 SFNC | $3B | -7.4 | — | 7.5 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 FBIZ | $503M | 10.0 | 12.1 | 8.2 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CTBI | $1B | 12.6 | 11.9 | 12.7 | 66.7% | 31.0% | 12.2% | 8.2% | 3.0 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 HFBL | $62M | 16.1 | 8.3 | 11.5 | 63.9% | 14.4% | 7.2% | 5.9% | 0.7 |
 FNF | $13B | 21.2 | 6.6 | 2.0 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 7 years · Updated daily
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CLST — Frequently Asked Questions
Quick answers to the most common questions about buying CLST stock.
What is Catalyst Bancorp, Inc.'s P/E ratio?
Catalyst Bancorp, Inc.'s current P/E ratio is 29.3x. The historical average is 50.9x. This places it at the 33th percentile of its historical range.
What is Catalyst Bancorp, Inc.'s EV/EBITDA?
Catalyst Bancorp, Inc.'s current EV/EBITDA is 22.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 34.4x.
What is Catalyst Bancorp, Inc.'s ROE?
Catalyst Bancorp, Inc.'s return on equity (ROE) is 2.5%. The historical average is 0.5%.
Is CLST stock overvalued?
Based on historical data, Catalyst Bancorp, Inc. is trading at a P/E of 29.3x. This is at the 33th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Catalyst Bancorp, Inc.'s profit margins?
Catalyst Bancorp, Inc. has 72.8% gross margin and 16.3% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Catalyst Bancorp, Inc. have?
Catalyst Bancorp, Inc.'s Debt/EBITDA ratio is 5.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.