Catalyst Bancorp, Inc. (CLST) stock analysis
Close on Nov 11, 2026Market cap $69.74MP/E 31.4Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak8 of 30 checks passed
Catalyst Bancorp passes 8 of the 30 checks behind our score; 10 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 2/6
- Growth
- 1/6
- Past performance
- 1/6
- Financial health
- 4/6
- Dividend
- 0/6
What stands out
EPS growing 10%+ a year
Diluted EPS grew 141% a year over the last three fiscal years.
P/E below its 5-year median
Catalyst Bancorp's P/E of 31.4 is below its own 5-year median of 31.6.
Well capitalized
Equity is 28.5% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 81.8% of deposits, so lending is funded by customer deposits.
What to watch
Margin of safety under 20%
The price is 14.6% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $17.29 is above our fair value estimate of $15.09.
Return on equity under 15%
Return on equity was 2.5% over the last twelve months and averaged 0.4% over five years; we look for 15% on both.
Revenue growing under 10% a year
Revenue grew 9.4% a year over the last three fiscal years, short of the 10% we look for.
Valuation2/6
P/E below its 5-year median
Catalyst Bancorp's P/E of 31.4 is below its own 5-year median of 31.6.
P/E above the industry
Catalyst Bancorp's P/E of 31.4 is above the Savings Institutions median of 13.7.
P/S above the industry
Catalyst Bancorp's price-to-sales of 6.19 is above the Savings Institutions median of 3.77.
P/B below the industry
Catalyst Bancorp's price-to-book of 0.85 is below the Savings Institutions median of 1.04.
Trading above fair value
The share price of $17.29 is above our fair value estimate of $15.09.
Margin of safety under 20%
The price is 14.6% above fair value, so there is no margin of safety.
Growth1/6
Revenue growing under 10% a year
Revenue grew 9.4% a year over the last three fiscal years, short of the 10% we look for.
EPS growing 10%+ a year
Diluted EPS grew 141% a year over the last three fiscal years.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew -1.8% over the last twelve months; the Savings Institutions median is 9.0%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance1/6
Return on equity under 15%
Return on equity was 2.5% over the last twelve months and averaged 0.4% over five years; we look for 15% on both.
Return on assets under 1%
Return on assets was 0.7%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Catalyst Bancorp's return on equity of 2.5% is below the Savings Institutions median of 6.1%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin above its 5-year average
Net margin was 18.0% over the last twelve months, against a 5-year average of -1.6%.
Net margin below the industry
Catalyst Bancorp's net margin of 18.0% is below the Savings Institutions median of 20.3%.
Financial health4/6
Well capitalized
Equity is 28.5% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 81.8% of deposits, so lending is funded by customer deposits.
Adequate loan-loss reserve
The allowance for credit losses is 1.4% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 78.7% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 7.8% over the past year.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Catalyst Bancorp has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itOur estimate per share
$15.09
The share price is 15% above this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 22.2× | 31.6× | 13.7× | $12.21 | 50% |
| P/B | 0.9× | 0.7× | 1.0× | $17.98 | 50% |
| Fair value | $15.09 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 31.6
- Savings Institutions median 13.7
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $58.94K
- Value traded per 1% price move
- $24.21K
Downside
Low risk
- Typical loss in a bad month
- 6.8%
- Volatility (annualized)
- 19%
- Sharpe ratio, 1 year
- 0.75
- Beta to the S&P 500 (5Y)
- 0.16
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
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.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| 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
- 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
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