CATALYST BANCORP INC (CLST) Fundamental Analysis & Valuation

NASDAQ:CLST • US14888L1017

16.5 USD
-0.15 (-0.9%)
Last: Mar 4, 2026, 08:16 PM
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This CLST fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CLST. CLST was compared to 379 industry peers in the Banks industry. CLST scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, CLST is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. CLST Profitability Analysis

1.1 Basic Checks

  • In the past year CLST was profitable.
  • In the past year CLST had a positive cash flow from operations.
  • CLST had positive earnings in 4 of the past 5 years.
  • Of the past 5 years CLST 4 years 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 2025 0 2M -2M

1.2 Ratios

  • CLST has a Return On Assets of 0.78%. This is in the lower half of the industry: CLST underperforms 61.48% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.72%, CLST is doing worse than 86.28% of the companies in the same industry.
Industry RankSector Rank
ROA 0.78%
ROE 2.72%
ROIC N/A
ROA(3y)-0.07%
ROA(5y)0.11%
ROE(3y)-0.24%
ROE(5y)0.29%
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 2025 0 2 -2

1.3 Margins

  • Looking at the Profit Margin, with a value of 19.66%, CLST is doing worse than 69.13% of the companies in the same industry.
  • CLST's Profit Margin has improved in the last couple of years.
  • 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 3Y104.3%
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 2025 0 20 -20 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. CLST Health Analysis

2.1 Basic Checks

  • CLST does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CLST has less shares outstanding
  • CLST has less shares outstanding than it did 5 years ago.
  • 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 2025 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 2025 50M 100M 150M 200M 250M

2.2 Solvency

  • CLST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC11.86%
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 2025 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CLST Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 173.84% over the past year.
  • CLST shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 141.01% yearly.
  • The Revenue has grown by 99.19% in the past year. This is a very strong growth!
  • The Revenue has been growing slightly by 7.93% on average over the past years.
EPS 1Y (TTM)173.84%
EPS 3Y141.01%
EPS 5YN/A
EPS Q2Q%-20.88%
Revenue 1Y (TTM)99.19%
Revenue growth 3Y10.16%
Revenue growth 5Y7.93%
Sales Q2Q%2.14%

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 2025 2M 4M 6M 8M 10M

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Find the best growth stocksShow best growing peers

0

4. CLST Valuation Analysis

4.1 Price/Earnings Ratio

  • CLST is valuated quite expensively with a Price/Earnings ratio of 29.46.
  • Based on the Price/Earnings ratio, CLST is valued expensively inside the industry as 87.07% of the companies are valued cheaper.
  • Compared to an average S&P500 Price/Earnings ratio of 27.03, CLST is valued at the same level.
Industry RankSector Rank
PE 29.46
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

  • 75.99% of the companies in the same industry are cheaper than CLST, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 23.27
EV/EBITDA N/A
CLST Per share dataCLST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CLST Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

CLST Fundamentals: All Metrics, Ratios and Statistics

CATALYST BANCORP INC

NASDAQ:CLST (3/4/2026, 8:16:25 PM)

16.5

-0.15 (-0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners21.94%
Inst Owner Change49.48%
Ins Owners6.6%
Ins Owner Change0.15%
Market Cap67.16M
Revenue(TTM)11.36M
Net Income(TTM)2.22M
Analysts0
Price TargetN/A
Short Float %0.21%
Short Ratio1.51
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 29.46
Fwd PE N/A
P/S 5.94
P/FCF 23.27
P/OCF 21.48
P/B 0.82
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)0.56
EY3.39%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.71
FCFY4.3%
OCF(TTM)0.77
OCFY4.65%
SpS2.78
BVpS20.05
TBVpS20.05
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.89
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)-0.07%
ROA(5y)0.11%
ROE(3y)-0.24%
ROE(5y)0.29%
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 3Y104.3%
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
WACC11.86%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)173.84%
EPS 3Y141.01%
EPS 5YN/A
EPS Q2Q%-20.88%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)99.19%
Revenue growth 3Y10.16%
Revenue growth 5Y7.93%
Sales Q2Q%2.14%
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 1Y-6.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-9.76%
OCF growth 3YN/A
OCF growth 5YN/A

CATALYST BANCORP INC / CLST FAQ

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

ChartMill assigns a fundamental rating of 3 / 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 29.46 and the Price/Book (PB) ratio is 0.82.


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

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