Symbols / CLST Stock $15.96 -0.81% Catalyst Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
CLST (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Joseph B. Zanco CPA, CIA
Exch · Country NCM · United States
Market Cap 64.77M
Enterprise Value 54.30M
Income 2.05M
Sales 11.09M
FCF (ttm) —
Book/sh 21.84
Cash/sh 6.21
Employees 49
Insider 10d —
IPO Oct 13, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 29.02
Forward P/E —
PEG —
P/S 5.84
P/B 0.73
P/C —
EV/EBITDA —
EV/Sales 4.90
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.55
EPS next Y —
EPS Growth -18.80%
Revenue Growth -9.00%
EPS Gr Q/Q -27.20%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 0.73%
ROE 2.53%
ROIC —
Gross Margin 0.00%
Oper. Margin 13.77%
Profit Margin 18.51%
Shs Outstand 4.06M
Shs Float 2.95M
Insider Own 16.96%
Instit Own 30.76%
Short Float 0.25%
Short Ratio 0.84
Short Interest 8.35K
52W High 18.16
vs 52W High -12.11%
52W Low 11.51
vs 52W Low 38.70%
Beta 0.17
Impl. Vol. —
Rel Volume 0.09
Avg Volume 6.29K
Volume 558.00
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $16.09
Price $15.96
Change -0.81%
About

Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking products and services to individuals and businesses in Louisiana. The company accepts various deposit products, including demand and NOW accounts, money market accounts, savings accounts, and certificates of deposit. It also offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans, consumer loans, and other loans. In addition, the company invests in various types of securities, such as mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. Catalyst Bancorp, Inc. was founded in 1922 and is headquartered in Opelousas, Louisiana.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$15.96
Latest analyst target
3. DCF / Fair value
$8.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$15.96
Low
—
High
—
Mean
—
News
RSS: Latest CLST news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-10-28 KLEISER KIRK E Director — 4,750 $13.40 $63,696
2025-10-28 KLEISER KIRK E Director — 4,750 $13.39 $63,668
2025-06-11 KLEISER KIRK E Director — 1,750 $12.24 $21,492
2025-06-10 ZANCO JOSEPH B Chief Executive Officer — 5,290 $0.00 $0
2025-06-10 KLEISER KIRK E Director — 1,058 $0.00 $0
2025-06-10 BELLARD TED D Director — 1,058 $0.00 $0
2025-06-10 LAFLEUR FREDERICK R. Director — 1,058 $0.00 $0
2025-06-10 LEBOUEF CRAIG C Director — 1,058 $0.00 $0
2025-06-10 SCRUGGINS MATTHEW L. Director — 1,058 $0.00 $0
2025-06-10 QUEBEDEAUX AMANDA B Chief Operating Officer — 2,000 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
11.05
+98.74%
5.56
-38.54%
9.04
+8.49%
8.34
Operating Revenue
11.05
+98.74%
5.56
-38.54%
9.04
+8.49%
8.34
Selling General And Administration
5.76
+6.29%
5.42
+1.50%
5.34
-2.89%
5.50
Selling And Marketing Expense
0.13
+1.55%
0.13
+29.00%
0.10
-58.33%
0.24
General And Administrative Expense
5.63
+6.41%
5.29
+0.97%
5.24
-0.36%
5.26
Salaries And Wages
5.63
+6.41%
5.29
+3.06%
5.13
+0.20%
5.12
Other Gand A
—
0.09
-40.00%
0.14
+1.40%
0.14
Reconciled Depreciation
0.42
+2.43%
0.41
+2.23%
0.40
-10.04%
0.45
Total Unusual Items
-0.00
-116.67%
0.01
0.00
+100.00%
-0.08
Total Unusual Items Excluding Goodwill
-0.00
-116.67%
0.01
0.00
+100.00%
-0.08
Special Income Charges
-0.00
-116.67%
0.01
0.00
+100.00%
-0.08
Other Special Charges
0.00
+116.67%
-0.01
—
0.08
Net Income
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Pretax Income
2.50
+162.87%
-3.98
-778.53%
0.59
+269.18%
0.16
Net Interest Income
9.79
+2.57%
9.54
+23.88%
7.71
+5.10%
7.33
Interest Expense
4.11
-4.89%
4.32
+120.71%
1.96
+186.38%
0.68
Interest Income
13.90
+0.25%
13.86
+43.48%
9.66
+20.55%
8.01
Gain On Sale Of Security
0.00
+100.00%
-5.51
-5885.87%
-0.09
0.00
Tax Provision
0.45
+150.56%
-0.89
-1565.57%
0.06
+390.48%
-0.02
Tax Rate For Calcs
0.00
-19.20%
0.00
+115.55%
0.00
-50.52%
0.00
Tax Effect Of Unusual Items
-0.00
-113.47%
0.00
0.00
+100.00%
-0.02
Net Income Including Noncontrolling Interests
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Net Income From Continuing Operation Net Minority Interest
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Net Income From Continuing And Discontinued Operation
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Net Income Continuous Operations
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Normalized Income
2.05
+166.36%
-3.09
-688.15%
0.53
+118.41%
0.24
Net Income Common Stockholders
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Diluted EPS
—
-0.78
-657.14%
0.14
+250.00%
0.04
Basic EPS
—
-0.78
-657.14%
0.14
+250.00%
0.04
Basic Average Shares
—
3.94
-8.40%
4.30
-4.44%
4.50
Diluted Average Shares
—
3.94
-8.40%
4.30
-4.44%
4.50
Diluted NI Availto Com Stockholders
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Insurance And Claims
—
0.10
-2.83%
0.11
-21.48%
0.14
Occupancy And Equipment
0.82
+7.58%
0.77
-4.61%
0.80
-3.72%
0.83
Other Non Interest Expense
1.49
-36.79%
2.36
+38.86%
1.70
+5.98%
1.60
Professional Expense And Contract Services Expense
0.40
-13.86%
0.47
-3.50%
0.49
-9.67%
0.54
Line Item Trend 2023-12-31
Total Assets
270.93
Cash And Cash Equivalents
19.01
Cash Financial
19.01
Other Short Term Investments
1.64
Receivables
0.91
Accounts Receivable
0.91
Net PPE
6.07
Gross PPE
9.89
Accumulated Depreciation
-3.82
Land And Improvements
1.77
Buildings And Improvements
6.15
Machinery Furniture Equipment
1.88
Construction In Progress
—
Other Properties
0.09
Investments And Advances
84.00
Total Liabilities Net Minority Interest
186.37
Long Term Debt And Capital Lease Obligation
9.38
Long Term Debt
9.38
Stockholders Equity
84.56
Common Stock Equity
84.56
Capital Stock
0.05
Common Stock
0.05
Preferred Stock
0.00
Share Issued
4.76
Ordinary Shares Number
4.76
Treasury Shares Number
0.00
Additional Paid In Capital
45.02
Retained Earnings
52.95
Gains Losses Not Affecting Retained Earnings
-7.24
Other Equity Adjustments
-7.24
Total Equity Gross Minority Interest
84.56
Total Capitalization
93.94
Invested Capital
93.94
Total Debt
9.38
Net Tangible Assets
84.56
Tangible Book Value
84.56
Available For Sale Securities
68.90
Cash Cash Equivalents And Federal Funds Sold
19.01
Held To Maturity Securities
13.46
Other Equity Interest
-6.22
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
3.29
+3.63%
3.17
+57.97%
2.01
+160.10%
0.77
Cash Flow From Continuing Operating Activities
3.29
+3.63%
3.17
+57.97%
2.01
+160.10%
0.77
Net Income From Continuing Operations
2.05
+166.43%
-3.09
-687.26%
0.53
+192.22%
0.18
Depreciation Amortization Depletion
0.42
+2.43%
0.41
+2.23%
0.40
-10.04%
0.45
Depreciation
0.42
+2.43%
0.41
+2.23%
0.40
-10.04%
0.45
Depreciation And Amortization
0.42
+2.43%
0.41
+2.23%
0.40
-10.04%
0.45
Other Non Cash Items
0.17
-3.33%
0.18
+0.00%
0.18
+0.00%
0.18
Stock Based Compensation
0.90
+10.47%
0.81
+5.59%
0.77
+62.92%
0.47
Asset Impairment Charge
0.12
+110.53%
0.06
-13.64%
0.07
+925.00%
-0.01
Deferred Tax
0.31
+134.90%
-0.89
-7350.00%
-0.01
-33.33%
-0.01
Deferred Income Tax
0.31
+134.90%
-0.89
-7350.00%
-0.01
-33.33%
-0.01
Operating Gains Losses
-0.04
-100.83%
5.42
+23456.52%
0.02
-62.90%
0.06
Gain Loss On Investment Securities
0.00
-100.00%
5.51
+5885.87%
0.09
0.00
Gain Loss On Sale Of PPE
0.00
+116.67%
-0.01
0.00
-100.00%
0.08
Change In Working Capital
-0.79
-98.73%
-0.40
-3.13%
-0.38
+40.06%
-0.64
Change In Other Working Capital
-0.49
-6.70%
-0.46
-13.20%
-0.41
-30.25%
-0.31
Change In Other Current Assets
-0.14
-427.27%
0.04
+108.63%
-0.51
-2117.39%
-0.02
Change In Other Current Liabilities
-0.15
-712.50%
0.02
-95.52%
0.54
+277.48%
-0.30
Investing Cash Flow
-24.39
-236.90%
17.82
+6773.03%
-0.27
+98.11%
-14.14
Cash Flow From Continuing Investing Activities
-24.39
-236.90%
17.82
+6773.03%
-0.27
+98.11%
-14.14
Net PPE Purchase And Sale
-0.19
+55.02%
-0.42
-143.02%
-0.17
+31.75%
-0.25
Purchase Of PPE
-0.19
+56.28%
-0.43
-150.00%
-0.17
+31.75%
-0.25
Sale Of PPE
0.00
-100.00%
0.01
0.00
0.00
Capital Expenditure
-0.19
+56.28%
-0.43
-150.00%
-0.17
+31.75%
-0.25
Net Investment Purchase And Sale
-21.85
-153.49%
40.85
+271.35%
11.00
+573.57%
-2.32
Purchase Of Investment
-26.50
-236.56%
-7.87
0.00
+100.00%
-13.21
Sale Of Investment
4.64
-90.47%
48.73
+342.91%
11.00
+1.07%
10.88
Net Other Investing Changes
0.93
+711.40%
0.11
-64.38%
0.32
+103.21%
-9.96
Financing Cash Flow
2.01
-53.11%
4.29
+13.09%
3.80
+127.05%
-14.04
Cash Flow From Continuing Financing Activities
2.01
-53.11%
4.29
+13.09%
3.80
+127.05%
-14.04
Net Issuance Payments Of Debt
5.00
0.00
-100.00%
10.00
0.00
Issuance Of Debt
33.25
+4093.06%
0.79
-92.07%
10.00
0.00
Repayment Of Debt
-28.25
-3462.55%
-0.79
—
—
Long Term Debt Issuance
33.25
+4093.06%
0.79
-92.07%
10.00
0.00
Long Term Debt Payments
-28.25
-3462.55%
-0.79
—
—
Net Long Term Debt Issuance
5.00
0.00
-100.00%
10.00
0.00
Net Common Stock Issuance
-2.59
+55.08%
-5.76
+8.84%
-6.32
0.00
Common Stock Payments
-2.59
+55.08%
-5.76
+8.84%
-6.32
0.00
Repurchase Of Capital Stock
-2.59
+55.08%
-5.76
+8.84%
-6.32
0.00
Proceeds From Stock Option Exercised
—
0.00
+100.00%
-0.41
+82.26%
-2.34
Changes In Cash
-19.09
-175.50%
25.28
+356.47%
5.54
+120.21%
-27.41
Beginning Cash Position
44.30
+133.00%
19.01
+41.11%
13.47
-67.05%
40.88
End Cash Position
25.20
-43.10%
44.30
+133.00%
19.01
+41.11%
13.47
Free Cash Flow
3.10
+13.02%
2.74
+49.35%
1.84
+253.08%
0.52
Interest Paid Supplemental Data
3.98
-7.16%
4.29
+205.78%
1.40
+182.66%
0.50
Income Tax Paid Supplemental Data
0.12
-42.00%
0.20
0.00
-100.00%
0.24
Amortization Of Securities
0.08
-42.86%
0.14
-54.55%
0.31
-33.19%
0.46
Common Stock Issuance
—
—
—
0.00
Issuance Of Capital Stock
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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