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CATALYST BANCORP INC (CLST) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CLST - US14888L1017 - Common Stock

15.75 USD
+0.25 (+1.61%)
Last: 12/31/2025, 8:00:01 PM
Fundamental Rating

2

Overall CLST gets a fundamental rating of 2 out of 10. We evaluated CLST against 388 industry peers in the Banks industry. The financial health of CLST is average, but there are quite some concerns on its profitability. CLST does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CLST had positive earnings in the past year.
CLST had a positive operating cash flow in the past year.
In multiple years CLST reported negative net income over the last 5 years.
Each year in the past 5 years CLST had a positive operating cash flow.
CLST Yearly Net Income VS EBIT VS OCF VS FCFCLST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 2M -2M

1.2 Ratios

CLST has a Return On Assets of 0.78%. This is comparable to the rest of the industry: CLST outperforms 40.46% of its industry peers.
With a Return On Equity value of 2.72%, CLST is not doing good in the industry: 85.05% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.78%
ROE 2.72%
ROIC N/A
ROA(3y)-0.28%
ROA(5y)-0.1%
ROE(3y)-1.01%
ROE(5y)-0.49%
ROIC(3y)N/A
ROIC(5y)N/A
CLST Yearly ROA, ROE, ROICCLST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 2 -2

1.3 Margins

CLST has a worse Profit Margin (19.66%) than 67.01% of its industry peers.
The Operating Margin and Gross Margin are not available for CLST so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.66%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CLST Yearly Profit, Operating, Gross MarginsCLST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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5

2. Health

2.1 Basic Checks

CLST does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CLST has been reduced compared to 1 year ago.
Compared to 5 years ago, CLST has less shares outstanding
There is no outstanding debt for CLST. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CLST Yearly Shares OutstandingCLST Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
CLST Yearly Total Debt VS Total AssetsCLST Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.2 Solvency

There is no outstanding debt for CLST. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.06%
CLST Yearly LT Debt VS Equity VS FCFCLST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CLST Yearly Current Assets VS Current LiabilitesCLST Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2M 4M 6M 8M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 170.19% over the past year.
Looking at the last year, CLST shows a very strong growth in Revenue. The Revenue has grown by 104.49%.
Measured over the past years, CLST shows a decrease in Revenue. The Revenue has been decreasing by -6.56% on average per year.
EPS 1Y (TTM)170.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.77%
Revenue 1Y (TTM)104.49%
Revenue growth 3Y-15.72%
Revenue growth 5Y-6.56%
Sales Q2Q%-12.12%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CLST Yearly Revenue VS EstimatesCLST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 26.25, which means the current valuation is very expensive for CLST.
83.76% of the companies in the same industry are cheaper than CLST, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CLST to the average of the S&P500 Index (26.51), we can say CLST is valued inline with the index average.
Industry RankSector Rank
PE 26.25
Fwd PE N/A
CLST Price Earnings VS Forward Price EarningsCLST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CLST is valued a bit more expensive than the industry average as 74.23% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 22.43
EV/EBITDA N/A
CLST Per share dataCLST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CLST!.
Industry RankSector Rank
Dividend Yield 0%

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CATALYST BANCORP INC

NASDAQ:CLST (12/31/2025, 8:00:01 PM)

15.75

+0.25 (+1.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-22 2026-01-22
Inst Owners21.94%
Inst Owner Change-1.59%
Ins Owners6.59%
Ins Owner Change-0.68%
Market Cap64.73M
Revenue(TTM)11.30M
Net Income(TTM)2.22M
Analysts0
Price TargetN/A
Short Float %0.22%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 26.25
Fwd PE N/A
P/S 5.73
P/FCF 22.43
P/OCF 20.71
P/B 0.79
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)0.6
EY3.81%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.7
FCFY4.46%
OCF(TTM)0.76
OCFY4.83%
SpS2.75
BVpS19.85
TBVpS19.85
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.37
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 2.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.66%
GM N/A
FCFM 25.53%
ROA(3y)-0.28%
ROA(5y)-0.1%
ROE(3y)-1.01%
ROE(5y)-0.49%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 57.01%
Cap/Sales 2.12%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.06%
ROIC/WACCN/A
Cap/Depr(3y)67.53%
Cap/Depr(5y)143.85%
Cap/Sales(3y)4.11%
Cap/Sales(5y)7.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)170.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%16.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)104.49%
Revenue growth 3Y-15.72%
Revenue growth 5Y-6.56%
Sales Q2Q%-12.12%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y122%
FCF growth 3Y12.61%
FCF growth 5YN/A
OCF growth 1Y112.65%
OCF growth 3Y-2.57%
OCF growth 5Y13.15%

CATALYST BANCORP INC / CLST FAQ

What is the ChartMill fundamental rating of CATALYST BANCORP INC (CLST) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CLST.


Can you provide the valuation status for CATALYST BANCORP INC?

ChartMill assigns a valuation rating of 0 / 10 to CATALYST BANCORP INC (CLST). This can be considered as Overvalued.


How profitable is CATALYST BANCORP INC (CLST) stock?

CATALYST BANCORP INC (CLST) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CATALYST BANCORP INC (CLST) stock?

The Price/Earnings (PE) ratio for CATALYST BANCORP INC (CLST) is 26.25 and the Price/Book (PB) ratio is 0.79.


What is the financial health of CATALYST BANCORP INC (CLST) stock?

The financial health rating of CATALYST BANCORP INC (CLST) is 5 / 10.