Catalyst Bancorp, Inc. logo

Catalyst Bancorp, Inc.

CLST

NASDAQFinancial ServicesBanks - Regional

Regular session

$17.425

+$0.065 · +0.37%

Aug 24, 10:35 AM ETData delayed

CLST company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

73

Undervalued

Momentum

47

Neutral

Sentiment

69

Bullish

Risk resilience

77

Moderate Risk

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Company profile

Company website

Catalyst Bancorp, Inc. functions as the parent entity for St. Landry Homestead Federal Savings Bank, providing a comprehensive suite of financial products and services across the Acadiana region in south-central Louisiana. The institution offers diverse deposit options for its clientele, encompassing savings accounts, checking and negotiable order of withdrawal (NOW) accounts, money market accounts, and certificates of deposit. Additionally, it originates various types of loans, including mortgages for one-to-four-family homes, commercial real estate and multi-family residential financing, construction and land development loans, commercial and industrial loans, and consumer loans. Beyond its core banking activities, the company allocates capital into a broad spectrum of securities. These investments include mortgage-backed instruments, obligations issued by the U.S. Treasury, securities from various federal agencies and state/municipal governments, certificates of deposit placed with federally insured financial institutions, and federal funds. Catalyst Bancorp maintains a physical presence through six full-service branches located in Carencro, Eunice, Lafayette, Opelousas, and Port Barre. The company, which traces its origins back to 1922, is headquartered in Opelousas, Louisiana.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Joseph Zanco
Listed since
Oct 13, 2021
Employees
49

Market position

Day range

Current $17.425

52-week range

Current $17.425

Open
$17.50
Previous close
$17.36
Volume
1.93K
0.57× average
Average volume
3.39K
Average daily volume
Market cap
70.6M USD
Beta
0.11
Market reference 1
50-day average
$16.8067
+3.68% above average
200-day average
$16.0453
+8.60% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
48.16M USD
P/E (TTM)
30.57×
P/B (TTM)
0.74×
P/S (TTM)
4.54×
EV / EBITDA
16.46×
Earnings yield
3.50%
Free cash flow yield
5.29%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
74.25%
Operating margin
16.13%
Net margin
13.02%
Return on equity
2.51%
Return on assets
0.73%
Return on invested capital
2.10%

Financial health

Debt / equity
0.12×
Current ratio
0.4×
Altman Z-score
0.57
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends113%57%1%-54%Gross margin, FY2021: 98.66%Gross margin, FY2022: 96.58%Gross margin, FY2023: 81.05%Gross margin, FY2024: 50.91%Gross margin, FY2025: 72.84%Operating margin, FY2021: 23.75%Operating margin, FY2022: 1.76%Operating margin, FY2023: 5.34%Operating margin, FY2024: -40.33%Operating margin, FY2025: 16.32%Net margin, FY2021: 18.96%Net margin, FY2022: 2.00%Net margin, FY2023: 4.78%Net margin, FY2024: -31.28%Net margin, FY2025: 13.38%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.66%. Gross margin FY2022 96.58%. Gross margin FY2023 81.05%. Gross margin FY2024 50.91%. Gross margin FY2025 72.84%. Operating margin FY2021 23.75%. Operating margin FY2022 1.76%. Operating margin FY2023 5.34%. Operating margin FY2024 -40.33%. Operating margin FY2025 16.32%. Net margin FY2021 18.96%. Net margin FY2022 2.00%. Net margin FY2023 4.78%. Net margin FY2024 -31.28%. Net margin FY2025 13.38%.

Income trends

Revenue

15.34M USD+55.33%

Operating income

2.5M USD+6.49M USD

Net income

2.05M USD+5.14M USD
Income trends across reported periods17.27M USD9.54M USD1.81M USD−5.92M USDRevenue, FY2021: 10.1M USDRevenue, FY2022: 9.02M USDRevenue, FY2023: 11M USDRevenue, FY2024: 9.88M USDRevenue, FY2025: 15.34M USDOperating income, FY2021: 2.4M USDOperating income, FY2022: 159K USDOperating income, FY2023: 587K USDOperating income, FY2024: −3.98M USDOperating income, FY2025: 2.5M USDNet income, FY2021: 1.92M USDNet income, FY2022: 180K USDNet income, FY2023: 526K USDNet income, FY2024: −3.09M USDNet income, FY2025: 2.05M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 10.1M USD. Revenue FY2022 9.02M USD. Revenue FY2023 11M USD. Revenue FY2024 9.88M USD. Revenue FY2025 15.34M USD. Operating income FY2021 2.4M USD. Operating income FY2022 159K USD. Operating income FY2023 587K USD. Operating income FY2024 −3.98M USD. Operating income FY2025 2.5M USD. Net income FY2021 1.92M USD. Net income FY2022 180K USD. Net income FY2023 526K USD. Net income FY2024 −3.09M USD. Net income FY2025 2.05M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue15.34M USD9.88M USD11M USD9.02M USD10.1M USD
Cost of goods sold4.17M USD4.85M USD2.08M USD308K USD135K USD
Gross profit11.17M USD5.03M USD8.92M USD8.71M USD9.96M USD
Selling, general, and administrative5.98M USD5.61M USD5.49M USD5.64M USD5.13M USD
Operating expenses8.67M USD9.01M USD8.33M USD8.55M USD7.57M USD
Interest income13.9M USD13.86M USD9.66M USD8.01M USD7.7M USD
Interest expense4.11M USD4.32M USD1.96M USD683K USD795K USD
Depreciation and amortization422K USD412K USD403K USD448K USD424K USD
Operating income2.5M USD−3.98M USD587K USD159K USD2.4M USD
Net income2.05M USD−3.09M USD526K USD180K USD1.92M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.14

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.20.170.140.11Q1 '25Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q1 2025, reported Jan 23, 2025: actual 0.16, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 28, 2025: actual 0.16, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 24, 2025: actual 0.16, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 0.14, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 23, 2025: actual 0.13, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 0.13, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 30, 2026: actual 0.15, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 0.14, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates4.44M4.16M3.88M3.61MQ3 '24Q1 '25Q1 '25Q2 '25Q3 '25Q1 '26Q2 '26Q3 '26
Q3 2024, reported Jul 31, 2024: actual 3.87M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 23, 2025: actual 4.27M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 28, 2025: actual 3.83M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 24, 2025: actual 3.91M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 3.78M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 3.89M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 30, 2026: actual 3.92M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 30, 2026: actual 3.95M USD, estimate —, surprise —, Comparison unavailable.

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