Catalyst Bancorp vs First Capital
CLST and FCAP side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CLST and FCAP compare
First Capital is the larger company, worth 3.1 times as much as Catalyst Bancorp ($216M against $69.7M).
On earnings, First Capital is cheaper: it trades at 11.7× trailing earnings, against 31.4× for Catalyst Bancorp.
First Capital grew revenue faster over the last twelve months (3.4% versus −1.8% for Catalyst Bancorp).
First Capital keeps more of each dollar of sales as profit, with a net margin of 253% compared with 18.0% at Catalyst Bancorp.
First Capital pays a dividend yielding 1.9%; Catalyst Bancorp does not pay one.
First Capital scores higher on the StockData Score (18 against 8 for Catalyst Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CLST | FCAP |
|---|---|---|
| Size and price | ||
| Market cap | $69.7M | $216M |
| Share price | $17.29 | $64.62 |
| Change, 1 year | 18.8% | 46.8% |
| Change, 5 years | 25.4% | 59.4% |
| Beta (5Y) | 0.16 | 0.29 |
| Employees | 49 | 176 |
| StockData Score | ||
| Total score | 8 | 18 (better) |
| Valuation score | 2 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 1 | 5 (better) |
| Health score | 4 | 6 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 31.4× | 11.7× (better) |
| P/S | 6.2× (better) | 29.6× |
| P/B | 0.8× (better) | 1.5× |
| P/FCF | 21.6× | 10.0× (better) |
| PEG | 0.22 (better) | 1.04 |
| FCF yield | 4.6% | 10.0% (better) |
| Fair value | $15.09 | $54.97 |
| Margin of safety | −14.6% (better) | −17.5% |
| Growth | ||
| Revenue growth (TTM) | −1.8% | 3.4% (better) |
| Revenue growth, 5Y average | 7.5% (better) | 4.5% |
| Net income growth (TTM) | −7.0% | 40.1% (better) |
| EPS growth (TTM) | −3.5% | 40.4% (better) |
| EPS growth, 5Y average | – | 10.1% |
| Profitability | ||
| Net margin | 18.0% | 253% (better) |
| FCF margin | 28.7% | 298% (better) |
| Return on equity | 2.5% | 13.9% (better) |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.50 (better) | 0.25 |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 1.9% |
| Payout ratio | – | 22.6% |
| Years of dividend growth | – | 3 |
| Dividend growth, 5Y average | – | 4.6% |
| Buyback yield | 2.3% | – |
| Shareholder yield | 2.3% (better) | 1.9% |
| Ownership | ||
| Held by institutions | 30.7% | 26.8% |
| Held by insiders | 17.0% | 3.8% |
| Insider net buying, 12 months | $33.9K | – |
| Short interest, % of float | 0.21% | 5.3% |
Go deeper
- CLST stock overview
- CLST income statement
- CLST valuation and score
- FCAP stock overview
- FCAP income statement
- FCAP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.