Catalyst Bancorp, Inc.
CLST Nasdaq Savings Institution, Federally Chartered Financials FY2020–FY2025
Revenue
Total sales reported in the income statement.
$11.1M
95.4%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
77.0%
83.5 pts
Net income
Profit after all expenses, interest and tax.
$2.1M
Return on equity
Net income as a share of average shareholders' equity.
2.5%
6.3 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $0.55 EPS (TTM)
What Catalyst Bancorp, Inc. does
No business description yet.
- Legal name
- Catalyst Bancorp, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 31, 2026
- Accession · CIK
- 0001104659-26-037676
0001849867
Revenue and margins
Catalyst Bancorp, Inc. had $11.1M of revenue in fiscal 2025, up 95.4% on the year before.
FY20
Revenue $7.8M
FY21
Revenue $9.5M
FY22
Revenue $8.5M
FY23
Revenue $9.3M
FY24
Revenue $5.7M
FY25
Revenue $11.1M
Q3 '23
Revenue $2.3M
Q4 '23
Revenue $2.6M
Q1 '24
Revenue −$3.1M
Q2 '24
Revenue $2.8M
Q3 '24
Revenue $3.2M
Q4 '24
Revenue $2.8M
Q1 '25
Revenue $2.7M
Q2 '25
Revenue $2.8M
Q3 '25
Revenue $2.8M
Q4 '25
Revenue $2.7M
Q1 '26
Revenue $2.9M
Q2 '26
Revenue $3.0M
FY20
Net interest share 87.5%
Efficiency ratio 102.5%
FY21
Net interest share 72.4%
Efficiency ratio 81.8%
FY22
Net interest share 86.2%
Efficiency ratio 102.5%
FY23
Net interest share 82.9%
Efficiency ratio 92.3%
FY24
Net interest share 167.3%
Efficiency ratio 160.5%
FY25
Net interest share 87.8%
Efficiency ratio 77.0%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 86.4%
Efficiency ratio 92.3%
Q4 '23
Net interest share 74.3%
Efficiency ratio 81.1%
Q1 '24
Net interest share −68.2%
Efficiency ratio −90.9%
Q2 '24
Net interest share 87.0%
Efficiency ratio 73.5%
Q3 '24
Net interest share 80.3%
Efficiency ratio 71.7%
Q4 '24
Net interest share 88.0%
Efficiency ratio 72.6%
Q1 '25
Net interest share 87.5%
Efficiency ratio 73.4%
Q2 '25
Net interest share 87.8%
Efficiency ratio 77.5%
Q3 '25
Net interest share 88.6%
Efficiency ratio 79.6%
Q4 '25
Net interest share 94.5%
Efficiency ratio 75.6%
Q1 '26
Net interest share 87.8%
Efficiency ratio 78.8%
Q2 '26
Net interest share 87.8%
Efficiency ratio 80.6%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY20
Net income −$0.7M
FY21
Net income $1.9M
FY22
Net income $0.2M
FY23
Net income $0.5M
FY24
Net income −$3.1M
FY25
Net income $2.1M
Q3 '23
Net income $0.2M
Q4 '23
Net income $0.3M
Q1 '24
Net income −$4.7M
Q2 '24
Net income $0.5M
Q3 '24
Net income $0.4M
Q4 '24
Net income $0.6M
Q1 '25
Net income $0.6M
Q2 '25
Net income $0.5M
Q3 '25
Net income $0.5M
Q4 '25
Net income $0.5M
Q1 '26
Net income $0.6M
Q2 '26
Net income $0.5M
FY20
Diluted EPS —
FY21
Diluted EPS —
FY22
Diluted EPS $0.04
FY23
Diluted EPS $0.12
FY24
Diluted EPS −$0.78
FY25
Diluted EPS $0.56
Q3 '23
Diluted EPS $0.03
Q4 '23
Diluted EPS $0.06
Q1 '24
Diluted EPS −$1.15
Q2 '24
Diluted EPS $0.13
Q3 '24
Diluted EPS $0.11
Q4 '24
Diluted EPS $0.13
Q1 '25
Diluted EPS $0.16
Q2 '25
Diluted EPS $0.14
Q3 '25
Diluted EPS $0.13
Q4 '25
Diluted EPS $0.13
Q1 '26
Diluted EPS $0.15
Q2 '26
Diluted EPS $0.14
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY20
ROE −1.4%
ROTE −1.4%
Efficiency ratio 102.5%
FY21
ROE 2.6%
ROTE 1.9%
Efficiency ratio 81.8%
FY22
ROE 0.2%
ROTE 0.2%
Efficiency ratio 102.5%
FY23
ROE 0.6%
ROTE 0.6%
Efficiency ratio 92.3%
FY24
ROE −3.7%
ROTE −3.9%
Efficiency ratio 160.5%
FY25
ROE 2.5%
ROTE 2.5%
Efficiency ratio 77.0%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Catalyst Bancorp, Inc. returned $2.6M to shareholders in fiscal 2025, 83% of free cash flow. The diluted share count fell 6.7%.
FY20
Dividends —
Buybacks —
FY21
Dividends —
Buybacks —
FY22
Dividends —
Buybacks $2.3M
FY23
Dividends —
Buybacks $6.3M
FY24
Dividends —
Buybacks $5.8M
FY25
Dividends —
Buybacks $2.6M
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks $1.0M
Q4 '23
Dividends —
Buybacks $1.0M
Q1 '24
Dividends —
Buybacks $2.5M
Q2 '24
Dividends —
Buybacks $0.9M
Q3 '24
Dividends —
Buybacks $0.9M
Q4 '24
Dividends —
Buybacks $1.4M
Q1 '25
Dividends —
Buybacks $0.9M
Q2 '25
Dividends —
Buybacks $0.7M
Q3 '25
Dividends —
Buybacks $0.2M
Q4 '25
Dividends —
Buybacks $0.8M
Q1 '26
Dividends —
Buybacks $0.3M
Q2 '26
Dividends —
Buybacks $0.4M
Dividends
Buybacks
FY20
Diluted shares —
FY21
Diluted shares 0.00B
FY22
Diluted shares 0.00B
FY23
Diluted shares 0.00B
FY24
Diluted shares 0.00B
FY25
Diluted shares 0.00B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY20
Loans —
Deposits $165M
FY21
Loans —
Deposits $177M
FY22
Loans $132M
Deposits $165M
FY23
Loans $143M
Deposits $166M
FY24
Loans $165M
Deposits $186M
FY25
Loans $168M
Deposits $185M
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | — | $132M | $143M | $165M | $168M |
| Deposits | $177M | $165M | $166M | $186M | $185M |
| Loans / deposits | — | 79.8% | 86.2% | 88.6% | 90.6% |
| Total assets | $286M | $263M | $271M | $277M | $283M |
| Shareholders' equity | $98.6M | $88.5M | $84.6M | $80.2M | $81.7M |
| Provision / loans | — | −0.3% | — | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
6 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|
| Income statement | ||||||
| Revenue | $7.8M | $9.5M | $8.5M | $9.3M | $5.7M | $11.1M |
| Net interest income | $6.8M | $6.9M | $7.3M | $7.7M | $9.5M | $9.8M |
| Noninterest income | $1.0M | $2.6M | $1.2M | $1.6M | −$3.8M | $1.4M |
| Noninterest expense | $7.9M | $7.8M | $8.7M | $8.6M | $9.2M | $8.6M |
| Provision for credit losses | $1.0M | −$0.7M | −$0.4M | — | — | — |
| Interest expense | $1.7M | $0.8M | $0.7M | $1.9M | — | — |
| Pretax income | −$1.2M | $2.4M | $0.2M | $0.6M | −$4.0M | $2.5M |
| Income tax | −$0.5M | $0.5M | −$0.0M | $0.1M | −$0.9M | $0.5M |
| Net income | −$0.7M | $1.9M | $0.2M | $0.5M | −$3.1M | $2.1M |
| Diluted EPS | — | — | $0.04 | $0.12 | −$0.78 | $0.56 |
| Diluted shares | — | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B |
| Cash flow | ||||||
| Cash from operations | $0.9M | $3.4M | $0.8M | $2.0M | $3.2M | $3.3M |
| Capital expenditure | $0.5M | $1.5M | $0.3M | $0.2M | $0.4M | $0.2M |
| Free cash flow | $0.3M | $1.9M | $0.5M | $1.8M | $2.7M | $3.1M |
| Depreciation and amortization | $0.3M | $0.4M | $0.4M | $0.4M | $0.4M | $0.4M |
| Stock-based compensation | — | $0.1M | $0.5M | $0.8M | $0.8M | $0.9M |
| Share buybacks | — | — | $2.3M | $6.3M | $5.8M | $2.6M |
| Dividends and buybacks | — | — | $2.3M | $6.3M | $5.8M | $2.6M |
| Balance sheet | ||||||
| Cash and short-term investments | $25.2M | $40.9M | $13.5M | $19.0M | $44.3M | $25.2M |
| Total debt | $8.8M | $9.0M | $9.2M | $19.4M | $9.6M | $14.7M |
| Loans, net | — | — | $132M | $143M | $165M | $168M |
| Deposits | $165M | $177M | $165M | $166M | $186M | $185M |
| Property and equipment, net | $5.5M | $6.6M | $6.3M | $6.1M | $6.1M | $5.9M |
| Total assets | $225M | $286M | $263M | $271M | $277M | $283M |
| Total liabilities | $174M | $187M | $175M | $186M | $196M | $201M |
| Shareholders' equity | $50.8M | $98.6M | $88.5M | $84.6M | $80.2M | $81.7M |
| Margins | ||||||
| Net margin | −9.1% | 20.1% | 2.1% | 5.7% | −54.1% | 18.4% |
| FCF margin | 4.0% | 20.1% | 6.1% | 19.8% | 48.1% | 27.8% |
| Net interest share of revenue | 87.5% | 72.4% | 86.2% | 82.9% | 167.3% | 87.8% |
| Efficiency ratio | 102.5% | 81.8% | 102.5% | 92.3% | 160.5% | 77.0% |
| Returns | ||||||
| Return on equity | −1.4% | 2.6% | 0.2% | 0.6% | −3.7% | 2.5% |
| Return on assets | −0.3% | 0.8% | 0.1% | 0.2% | −1.1% | 0.7% |
| Return on tangible equity | −1.4% | 1.9% | 0.2% | 0.6% | −3.9% | 2.5% |
| Growth | ||||||
| Revenue growth | — | 23.0% | −10.8% | 9.3% | −38.6% | 95.4% |
| Net income growth | — | — | −90.6% | 192.2% | −687.3% | — |
| EPS growth | — | — | — | 200.0% | −750.0% | — |
| FCF growth | — | 518.1% | −72.9% | 253.1% | 49.3% | 13.0% |
| Share count change | — | — | 99,022.4% | −9.7% | −10.2% | −6.7% |
| Financial health | ||||||
| Debt / equity | 0.2x | 0.1x | 0.1x | 0.2x | 0.1x | 0.2x |
| Loans / deposits | — | — | 79.8% | 86.2% | 88.6% | 90.6% |
| Provision / loans | — | — | −0.3% | — | — | — |
| Capital allocation | ||||||
| Capex / revenue | 7.1% | 15.9% | 3.0% | 1.9% | 7.5% | 1.7% |
| Stock comp / revenue | — | 0.8% | 5.6% | 8.3% | 14.2% | 8.0% |
| Payouts / FCF | — | — | 450.0% | 344.0% | 210.0% | 83.4% |
| Quality scores | ||||||
| Piotroski F-score | — | — | 3.0 | 6.0 | 4.0 | 6.0 |
| Accruals ratio | −0.7% | −0.6% | −0.2% | −0.6% | −2.3% | −0.4% |
Source: SEC EDGAR XBRL filings (CIK 0001849867). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.