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CLST

Catalyst Bancorp, Inc.

CLST

Catalyst Bancorp, Inc. • NASDAQ
$15.02 ▲ 0.02% (+0.00)
Market Cap $62.17 M
52w High $15.30
52w Low $10.67
Dividend Yield 0%
P/E 25.9
Volume 1.38K
Outstanding Shares 4.14M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $0.13 ▼ $0 ▼
Q2-2025 $3.776M ▼ $2.149M ▼ $521K ▼ 13.798% ▼ $0.14 ▼ $739K ▼
Q1-2025 $3.905M ▲ $2.176M ▲ $586K ▼ 15.006% ▼ $0.16 $823K ▼
Q4-2024 $3.831M ▼ $2.021M ▼ $626K ▲ 16.34% ▲ $0.16 ▲ $877K ▲
Q3-2024 $4.267M $2.236M $447K 10.476% $0.11 $659K

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $283.834M ▲ $202.249M ▲ $81.585M ▲
Q2-2025 $69.35M ▲ $273.785M ▲ $192.986M ▲ $80.799M ▲
Q1-2025 $68.649M ▲ $271.648M ▼ $191.057M ▼ $80.591M ▲
Q4-2024 $44.295M ▼ $276.697M ▼ $196.493M ▼ $80.204M ▼
Q3-2024 $77.949M $280.617M $198.95M $81.667M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $521K ▼ $1.151M ▲ $-2.284M ▼ $871K ▲ $-262K ▲ $1.117M ▲
Q1-2025 $586K ▼ $427K ▼ $1.538M ▲ $-5.942M ▼ $-3.977M ▼ $361K ▼
Q4-2024 $626K ▲ $636K ▼ $1.084M ▲ $-3.178M ▲ $-1.458M ▲ $581K ▼
Q3-2024 $447K ▼ $896K ▼ $-16.243M ▼ $-14.355M ▼ $-29.702M ▼ $771K ▼
Q2-2024 $527K $1.393M $-12.222M $10.273M $-556K $1.167M

Five-Year Company Overview

Income Statement

Income Statement Earnings have been uneven over the last few years, with periods of modest profitability and a more recent swing back into loss. Revenue appears relatively flat and small, suggesting a very stable but low-growth income base typical of a small community bank. The pattern points to a franchise that is steady in its core activities but sensitive to changes in costs, interest margins, and credit conditions, which can quickly tip results from profit to loss. Overall, this looks more like a slow-and-steady income profile with limited growth momentum and some volatility in bottom-line results.

Balance Sheet

Balance Sheet The balance sheet shows gradual growth in total assets and a solid build-up in shareholders’ equity over time, which is a positive sign of retained strength. Cash levels have fluctuated but remain meaningful for a bank of this size, while debt appears modest, indicating a conservative funding approach. This combination suggests a relatively cautious balance sheet with room to absorb shocks, but also highlights that balance sheet expansion has been measured rather than aggressive. The bank seems focused on maintaining stability rather than chasing rapid asset growth.

Cash Flow

Cash Flow Reported cash flow data is essentially flat, which likely reflects limited disclosure detail rather than a true absence of activity. For a bank, operating cash flow mainly comes from lending, deposit flows, and securities activity, so the real picture is more complex than what is shown. The absence of strong signals—either positive or negative—suggests that cash generation has not been a standout driver of the story, and investors would need to rely on broader banking metrics, such as loan growth and deposit stability, to gauge cash health.

Competitive Edge

Competitive Edge Catalyst Bancorp’s edge is rooted in its identity as a long-established community bank in the Acadiana region. Its strengths center on deep local relationships, a long operating history, and a reputation for personalized, face-to-face service that larger or more distant competitors often struggle to match. The bank’s community involvement and recognition as a good place to work help reinforce customer loyalty and staff engagement. The key competitive risk is that this relationship-based model must hold its appeal as larger banks and digital-first players offer more advanced technology and broader product sets. In short, the bank has a strong local niche but limited scale and technology differentiation beyond its home market.

Innovation and R&D

Innovation and R&D Innovation at Catalyst is incremental rather than disruptive. The bank offers the standard set of modern tools—online banking, mobile apps, and digital services for small businesses—which keeps it in line with customer expectations but does not set it apart technologically. Its real “innovation” is in how it tailors traditional products—such as commercial loans and specialized accounts—to local needs and professional niches. There is no clear sign of heavy investment in cutting-edge fintech or new digital platforms, so future progress is likely to come from steady upgrades to existing systems and deeper integration of digital tools into its relationship-driven model rather than from breakthrough offerings.

Summary

Catalyst Bancorp looks like a classic community bank: stable, relationship-focused, and conservative in its growth profile. Financially, it shows modest revenue with uneven earnings, a cautious balance sheet, and no obvious signs of rapid expansion. Strategically, its strongest assets are its local presence, community reputation, and personalized service, which provide a meaningful moat within its region but may limit scalability and technological leadership. Future performance will likely hinge on how well the bank balances its traditional, high-touch identity with ongoing improvements to digital services, while carefully managing profitability in a slow-growth, competitive banking landscape.

NEWS

November 20, 2025 · 5:30 PM UTC

Catalyst Bancorp, Inc. Announces New Share Repurchase Plan

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October 23, 2025 · 7:00 AM UTC

Catalyst Bancorp, Inc. Announces 2025 Third Quarter Results

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