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Catalyst Bancorp (CLST) AI Stock Analysis
Catalyst Bancorp
(NASDAQ:CLST)
The score is driven primarily by improved financial performance (return to profitability, strong revenue growth, and solid cash conversion) and a constructive technical trend (price above major moving averages with positive momentum). These positives are tempered by less attractive valuation (P/E ~30.9 with no dividend yield provided) and some operational uncertainty from recent cash flow growth volatility and acquisition integration execution risk.
Catalyst Bancorp (CLST) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $72.42M
- Dividend Yield
- ―
- Average Volume (3M)
- 3,649
- Price to Earnings (P/E)
- 24.9
- Beta (1Y)
- 0.08
- Revenue Growth
- 31.73%
- EPS Growth
- 17.80%
- Country
- US
- Employees
- 49
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Catalyst Bancorp Business Overview & Revenue Model
Company Description
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 dive...
Catalyst Bancorp Financial Statement Overview
Summary
Financials show a meaningful rebound: strong TTM revenue growth (~+110%), restored profitability (net margin ~13%, EBIT margin ~16%), and positive operating/free cash flow with high conversion (FCF-to-net income ~0.97). Offsetting risks include prior-year earnings volatility (2024 loss) and sharply negative recent free cash flow growth (~-457%), suggesting uneven performance.
Income Statement
66PositiveBalance Sheet
78PositiveCash Flow
71Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.56M | 15.34M | 9.88M | 11.00M | 9.02M | 10.10M |
| Gross Profit | 11.56M | 11.17M | 5.03M | 8.92M | 8.71M | 9.96M |
| EBITDA | 2.83M | 2.93M | -3.57M | 990.00K | 607.00K | 2.82M |
| Net Income | 2.03M | 2.05M | -3.09M | 526.00K | 180.00K | 1.92M |
Balance Sheet | ||||||
| Total Assets | 290.01M | 282.93M | 276.70M | 270.93M | 263.36M | 285.61M |
| Cash, Cash Equivalents and Short-Term Investments | 51.19M | 74.09M | 44.30M | 20.65M | 93.07M | 129.22M |
| Total Debt | 9.79M | 14.73M | 9.56M | 9.38M | 0 | 0 |
| Total Liabilities | 207.48M | 201.20M | 196.49M | 186.37M | 174.85M | 187.06M |
| Stockholders Equity | 82.53M | 81.72M | 80.20M | 84.56M | 88.51M | 98.55M |
Cash Flow | ||||||
| Free Cash Flow | 3.24M | 3.10M | 2.74M | 1.84M | 520.00K | 1.92M |
| Operating Cash Flow | 3.33M | 3.29M | 3.17M | 2.01M | 772.00K | 3.43M |
| Investing Cash Flow | -18.95M | -24.39M | 17.82M | -267.00K | -14.14M | -46.59M |
| Financing Cash Flow | 12.55M | 2.01M | 4.29M | 3.80M | -14.04M | 58.80M |
Catalyst Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CLST, the sentiment is Positive. The current price of 17.90 is above the 20-day moving average (MA) of 17.15, above the 50-day MA of 17.47, and above the 200-day MA of 16.65, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 58.50 is Neutral, neither overbought nor oversold. The STOCH value of 68.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CLST.
Catalyst Bancorp Peers Comparison
Overall Rating
OPHC83Outperform- CLST68Neutral
TCBS65Neutral
HFBL64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $112.97M | 5.02 | 16.39% | ― | 24.01% | 20.16% |
| CLST | 68Neutral | $72.34M | 24.86 | 3.06% | ― | 31.73% | 17.80% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $50.01M | 14.44 | 6.14% | 1.44% | 5.94% | 51.02% |
| HFBL | 64Neutral | $67.73M | 10.55 | 11.12% | 2.42% | 7.94% | 43.98% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CLST | Catalyst Bancorp, Inc. | 17.90 | 3.34 | 22.94% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 23.51 | 7.99 | 51.51% | |
| OPHC | Optimumbank | 8.68 | 4.69 | 117.54% | |
| TCBS | Texas Community Bancshares, Inc. | 17.32 | 1.65 | 10.55% |
Catalyst Bancorp Corporate Events
Catalyst Bancorp Completes Lakeside Bancshares Acquisition
PositiveOn July 14, 2026, Catalyst Bancorp, Inc., the parent of Catalyst Bank, completed its previously announced acquisition of Lakeside Bancshares, Inc. and Lakeside Bank, expanding its footprint in Southwest Louisiana. Lakeside Bank, which had $375.7 mill...
Catalyst Bancorp advances merger with Lakeside Bancshares
PositiveOn June 26, 2026, Catalyst Bancorp and Lakeside Bancshares reported that Lakeside shareholders had approved their pending mergers and that all necessary regulatory approvals had been secured. The transactions, which will see Lakeside and Lakeside Ban...
Catalyst Bancorp Shareholders Reelect Directors, Ratify Auditor
PositiveAt Catalyst Bancorp, Inc.’s Annual Meeting of Shareholders held on May 19, 2026, 2,932,637 of the 4,058,297 eligible common shares were represented in person or by proxy, constituting a quorum for conducting corporate business. Shareholders ele...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 19, 2026