CLSTNasdaqSavings Institution, Federally Chartered
Catalyst Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026
$16.75−0.24 (-1.41%)
Close on Oct 19, 2026
- Market cap
- $61.12M
- P/E (TTM)
- 30.5
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
18.4%+27.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +95.4% | +9.4% | +7.5% | – | |
| Net income | – | +125.1% | – | – | |
| EPS, diluted | – | +141.0% | – | – | |
| Free cash flow | +13.0% | +81.3% | +58.5% | – |
Returns and balance sheet
7 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | -1.4% | 2.5% | |
| Return on assets | – | – | 0.7% | |
| Capex to revenue | – | 7.1% | 1.7% | |
| Diluted shares | – | – | 4M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Catalyst Bancorp generated $12.67M from operations and spent $19.55M on capital expenditure, dividends and share buybacks. 13% of that went back into the business.
Generated
$12.67M
Used
$19.55M
Capital expenditure$2.55M13%Dividends$00%Share buybacks$17.00M87%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin18.4%
×Asset turnover0.04×
×Equity multiplier3.46×
=Return on equity, FY20252.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 18.4% | 0.04× | 3.46× | 2.5% |
| FY2024 | -54.1% | 0.02× | 3.32× | -3.7% |
| FY2023 | 5.7% | 0.03× | 3.09× | 0.6% |
| FY2022 | 2.1% | 0.03× | 2.93× | 0.2% |
| FY2021 | 20.1% | 0.04× | 3.42× | 2.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$2.05M
- Cash generatingOperating cash flow above zero$3.29M
- Return on assets improvedROA up on the prior year-1.1% → 0.7%
- Earnings backed by cashOperating cash flow above net income$3.29M vs $2.05M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise4M → 4M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.04