Catalyst Bancorp (CLST) AI Stock Analysis

• Market Cap: $46.68M
• Dividend Yield: N/A
• Average Volume (3M): 5.27K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.32
• Revenue Growth: -10.05%
• EPS Growth: -670.98%
• Country: US
• Employees: 49
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): -0.75
• Shares Outstanding: 4,205,201
• 10 Day Avg. Volume: 6,964
• 30 Day Avg. Volume: 5,267
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 9.47
• Price to Cash Flow (P/CF): 14.10
• P/FCF Ratio: 14.10
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Catalyst Bancorp's overall stock score reflects significant financial performance challenges due to declining revenues, profitability issues, and cash flow constraints. Despite a stable balance sheet, the lack of earnings and liquidity pressures are major concerns. Technical indicators show a neutral market view, while the negative P/E ratio points to valuation risks.

Catalyst Bancorp Business Overview & Revenue Model

Company Description

Catalyst Bancorp, Inc. operates as a holding company for St. Landry Homestead Federal Savings Bank that provides banking products and services in the Acadiana region of south-central Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers one- to four-family residential mortgage, commercial real estate loans and multi-family residential, construction and land, commercial and industrial, and consumer loans. In addition, the company invests in various types of securities comprising mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. It operates through six full-service branches located in Carencro, Eunice, Lafayette, Opelousas, and Port Barre. The company was founded in 1922 and is headquartered in Opelousas, Louisiana.

How the Company Makes Money

Catalyst Bancorp generates its revenue primarily through interest income from loans and investment securities, alongside non-interest income from service charges and fees. The company's key revenue streams include interest collected on mortgage and consumer loans, as well as interest earned on securities investments. Additional income is derived from fees associated with deposit accounts, transaction services, and other banking-related activities. The company also benefits from strategic partnerships with financial service providers to offer expanded services, contributing to its revenue through collaborative ventures and cross-selling opportunities.

Catalyst Bancorp Financial Statement Overview

Summary

Catalyst Bancorp faces multiple challenges, including declining revenues, profitability issues, and cash flow constraints, hampering its financial stability. While the balance sheet remains relatively stable, the negative income and cash flow trends indicate potential risks that need addressing to ensure long-term viability.

Income Statement

Catalyst Bancorp's income statement reveals challenges with declining revenue from $9.26M in 2023 to $5.17M in 2024, a significant drop of 44.1%. The company also faced profitability issues, with a negative net profit margin of -59.7% in 2024, compared to 6.5% in 2023. This was driven by a negative EBIT margin of -54.7% in 2024, reflecting operational inefficiencies.

Balance Sheet

The balance sheet shows a stable equity position with an equity ratio of 29% in 2024. However, the debt-to-equity ratio decreased to 0.12 in 2024 from 0.23 in 2023, indicating a reduction in leverage. ROE dropped significantly to -3.9% in 2024, reflecting a decline in equity profitability.

Cash Flow

The cash flow statement highlights a concerning decline in operating activities, with zero operating cash flow in 2024, down from $2M in 2023. This has impacted the operating cash flow to net income ratio, which is not calculable due to negative net income. Free cash flow was also zero, indicating potential liquidity constraints.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
5.17M	9.26M	8.34M	9.30M	7.04M
	Gross Profit
5.17M	9.26M	8.34M	9.30M	7.04M
	EBIT
-2.83M	1.58M	394.00K	2.41M	-1.18M
	EBITDA
0.00	1.09M	607.00K	2.82M	-830.00K
	Net Income Common Stockholders
-3.09M	602.00K	180.00K	1.92M	-703.00K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
44.30M	19.01M	93.07M	129.22M	45.98M
	Total Assets
276.70M	270.93M	263.32M	285.35M	224.69M
	Total Debt
9.56M	19.38M	9.20M	9.02M	8.84M
	Net Debt
-34.74M	367.00K	-4.27M	-31.87M	-16.41M
	Total Liabilities
196.49M	186.28M	174.85M	187.06M	174.16M
	Stockholders Equity
80.20M	84.66M	88.47M	98.35M	50.53M
Cash Flow		Free Cash Flow
2.74M	1.84M	520.00K	1.92M	310.00K
	Operating Cash Flow
3.17M	2.01M	772.00K	3.43M	857.00K
	Investing Cash Flow
6.03M	-267.00K	-14.14M	-46.59M	-313.00K
	Financing Cash Flow
-5.76M	3.80M	-14.04M	58.80M	6.79M

Catalyst Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.10
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CLST, the sentiment is Negative. The current price of 11.1 is below the 20-day moving average (MA) of 11.40, below the 50-day MA of 11.57, and below the 200-day MA of 11.58, indicating a bearish trend. The MACD of -0.14 indicates Positive momentum. The RSI at 39.20 is Neutral, neither overbought nor oversold. The STOCH value of 52.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CLST.

Catalyst Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	80 Outperform	$47.47M	3.04	15.16%	―	63.78%	59.54%
HFBL	74 Outperform	$42.23M	12.44	6.25%	3.82%	1.27%	-27.46%
Sector *	63 Neutral	$11.98B	9.29	8.14%	79.54%	12.87%	-5.13%
CFSB	60 Neutral	$52.00M	―	-0.06%	―	14.80%	-113.18%
TCBS	58 Neutral	$47.81M	―	-2.47%	1.02%	19.56%	-90.02%
CLST	48 Neutral	$46.68M	―	-3.73%	―	-10.05%	-670.98%