Catalyst Bancorp, Inc.
CLST Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$17.01
KIRA · Stoqly’s AI analyst, in plain words
- Catalyst Bancorp, Inc. had $11.1M of revenue in fiscal 2025, up 95.4% on the year before. Over five years, revenue changed +7.5% a year on average.
- Catalyst Bancorp, Inc. made $2.1M of net profit in fiscal 2025.
- Catalyst Bancorp, Inc. returned $2.6M to shareholders in fiscal 2025, 83% of free cash flow. The diluted share count fell 6.7%.
- It earned 2.5% on shareholders’ money. Running costs took 77.0% of revenue (the efficiency ratio; lower is better).
Market cap
$62.1M
P/E
30.9x
Revenue
$11.1M
Net income
$2.1M
Return on equity
2.5%
Efficiency ratio
77.0%
Catalyst Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+95.4%
Yes. Sales grew 95.4% last year.
Does it make a profit?
18.4%
Yes. It keeps 18.4% of every sale as profit.
How lean are its costs?
77.0%
Costly. Running costs take 77.0% of revenue.
How much does it earn on its capital?
2.5%
Low. It earns 2.5% a year on shareholders’ money.
How is the share priced?
30.9x
One share costs 30.9 times its yearly profit per share.
What Catalyst Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 31, 2026
- Legal name
- Catalyst Bancorp, Inc.
- CIK
- 0001849867
Catalyst Bancorp, Inc. · CLST
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $9.5M | $8.5M | $9.3M | $5.7M | $11.1M |
| Revenue growth | 23.0% | −10.8% | 9.3% | −38.6% | 95.4% |
| Net interest income | $6.9M | $7.3M | $7.7M | $9.5M | $9.8M |
| Net income | $1.9M | $0.2M | $0.5M | −$3.1M | $2.1M |
| Net margin | 20.1% | 2.1% | 5.7% | −54.1% | 18.4% |
| Diluted EPS | — | $0.04 | $0.12 | −$0.78 | $0.56 |
| Cash | |||||
| Cash from operations | $3.4M | $0.8M | $2.0M | $3.2M | $3.3M |
| Capital expenditure | $1.5M | $0.3M | $0.2M | $0.4M | $0.2M |
| Free cash flow | $1.9M | $0.5M | $1.8M | $2.7M | $3.1M |
| FCF margin | 20.1% | 6.1% | 19.8% | 48.1% | 27.8% |
| Share buybacks | — | $2.3M | $6.3M | $5.8M | $2.6M |
| Share count change | — | 99,022.4% | −9.7% | −10.2% | −6.7% |
| Debt and strength | |||||
| Cash and short-term investments | $40.9M | $13.5M | $19.0M | $44.3M | $25.2M |
| Debt incl. finance leases | $9.0M | $9.2M | $19.4M | $9.6M | $14.7M |
| Loans, net | — | $132M | $143M | $165M | $168M |
| Deposits | $177M | $165M | $166M | $186M | $185M |
| Shareholders' equity | $98.6M | $88.5M | $84.6M | $80.2M | $81.7M |
| Returns and quality | |||||
| Return on equity | 2.6% | 0.2% | 0.6% | −3.7% | 2.5% |
| Return on tangible equity | 1.9% | 0.2% | 0.6% | −3.9% | 2.5% |
| Efficiency ratio | 81.8% | 102.5% | 92.3% | 160.5% | 77.0% |
| Piotroski F-score | — | 3 | 6 | 4 | 6 |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$0.2M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Catalyst Bancorp, Inc. · CLST
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $17.01 a share, the company is worth $62.1M: 30.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001849867). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.