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Catalyst Bancorp, Inc. (CLST) stock

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NASDAQ: CLST Nasdaq Regional Banks Next results ~January 28, 2027

D Fundamentals grade

Catalyst Bancorp, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Funds10 adding, 7 cuttingOf 3 active managers that changed their stake, 2 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Catalyst Bancorp files

Where Catalyst Bancorp stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $11m, down 1.8% on a year earlier, a smaller fall than the 3.0% decline a quarter earlier. That puts it 226 of 240 for growth among the regional banks companies we cover. The diluted share count is down 3.3% on a year earlier, which lifts each remaining share.

Our model value for Catalyst Bancorp is under review, so past values are not shown until it is resolved.

Source: 10-Q filed August 14, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 28, 2027 (estimated)

Catalyst Bancorp, Inc.'s trailing-twelve-month revenue fell 1.8% year on year, with a free-cash-flow margin of 28.7%. Where it stands out: change in share count of -3.3% ranks 31 of 230 regional banks companies we cover. Where it lags: stock pay as % of revenue of 7.5% ranks 204 of 206 regional banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 14.3% while net income fell 7.0%: a 21pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Strong cash generation. 28.7% of revenue turned into free cash flow.
  • Shrinking share count. Diluted shares fell 3.3% in a year, so each share owns more of the business.
  • Net cash. Cash exceeds long-term debt by $0.0bn.

Things to watch

  • Revenue shrinking. Revenue fell 1.8% over the last 12 months.
  • Below peers: stock pay as % of revenue. Stock pay as % of revenue of 7.5% ranks 204 of 206 regional banks companies we cover (median 1.3%).
  • Below peers: net margin. Net margin of 18.0% ranks 208 of 245 regional banks companies we cover (median 28.7%).

Latest results: FY2026 Q2

Filed August 14, 2026
Revenue
$3m, up 5.0% on a year earlier
Share reaction
+0.6% in the first session after the results on October 29, 2026, against -2.1% for the S&P 500

Catalyst Bancorp's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.5%
  • 1 week+4.5%
  • 1 month+9.1%
  • This year+12.9%
  • 1 year+25.6%
  • 5 years+28.8%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$11.3M
Net margin
18.0%
EPS (TTM, diluted)
$0.56

Growth

Revenue growth
−1.8%
Change in growth rate
+1.2 pts
Share count change
−3.3%

Earnings

Last results
October 29, 2026
Next results (est.)
January 28, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Leadership
  3. Leadership
  4. Results
  5. Deal

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Catalyst Bancorp, Inc. valuation models and calculator

No model value for Catalyst Bancorp, Inc. at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Catalyst Bancorp, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 7.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.58 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$4.0 ~$1.8–$8.0 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: This model is withheld pending its input or assumption review.
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$17 ~$5.6–$28 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$16 ~$22–$32 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. ~$4.8 ~$5.5–$7.4 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: This model is withheld pending its input or assumption review.
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Catalyst Bancorp, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Analysts' consensus

No analyst estimates are published for Catalyst Bancorp, Inc.: too few analysts cover it.

Management guidance

Earnings release, October 29, 2026

No numeric guidance in Catalyst Bancorp, Inc.'s latest earnings release (filed October 29, 2026). Some companies give their outlook only on the earnings call.

Positioning

Short interest
0.2%
of tradable shares
Days to cover
2.76
at average volume
Short interest, 1 month
−15%
to October 15, 2026
Held by institutions
28%
of shares
Held by insiders
17.9%
of shares
Employees
49
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +25.6%

$14.15 on October 31, 2025 to $17.78

ThenNowEffect
Revenue (last 12 months) $11m $11m −1.8%
Net margin 19.0% 18.0% −5.3%
P/E multiple 24.5x 32.0x +30.6%
Share count 4m 4m +3.4%

Biggest factor: p/e multiple.

Last 3 years +61.0%

$11.04 on November 3, 2023 to $17.78

ThenNowEffect
Revenue (last 12 months) $9m $11m +27.8%
Net margin 4.5% 18.0% +301.6%
P/E multiple 130.5x 32.0x −75.5%
Share count 5m 4m +28.0%

Biggest factor: p/e multiple.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 20222023202420252026 to date
Return
CLST−7%−15%+9%+34%+13%
Industry peers (median)−4%−2%+16%+10%+24%
S&P 500−18%+26%+25%+18%+11%
Months that ended higher
CLST42%50%33%67%55%
S&P 50042%67%75%75%46%
Largest fall from a high during the year
CLST−13%−29%−10%−7%−10%
S&P 500−25%−10%−8%−19%−9%

Worst fall since October 13, 2021: 34% from December 21, 2021 to May 10, 2023. Getting back needed a 51% gain, reached on October 31, 2025, 905 days after the low.

Price behaviour

52-week range
$14.01 – $18.15
From 52-week high
−2.1%
vs 50-day average
+1.9%
vs 200-day average
+7.0%
Volatility (1 year)
20%
Beta vs S&P 500
-0.07

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
7 up, 5 down
typical move ±0.8%
After a week
9 up, 2 down
typical move ±1.2%
After a month
7 up, 4 down
typical move ±3.2%
Results releasedNext dayS&P 500 next day5 days21 days
October 29, 2026 +0.6% −2.1% — —
July 30, 2026 +2.1% +2.4% +1.5% +4.8%
April 30, 2026 −0.9% +1.3% +0.5% −0.7%
January 29, 2026 −1.0% −0.5% −1.0% +4.8%
October 23, 2025 −0.4% +1.4% +2.7% +12.9%
July 24, 2025 +0.2% +0.5% +1.1% +2.9%
April 24, 2025 +0.9% +2.8% +0.1% +1.3%
January 23, 2025 +1.1% +0.3% +1.6% +0.9%
October 24, 2024 +2.4% +0.2% +1.7% +3.9%
July 31, 2024 0.0% +0.2% −2.5% −2.6%
May 2, 2024 +0.1% +2.2% +0.3% −0.3%
January 25, 2024 0.0% +0.4% +0.1% −0.1%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Catalyst Bancorp, Inc. in five measures

Fundamentals grade D
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Catalyst Bancorp, Inc.
$0 $5M $10M $15M FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $8.9M Revenue (TTM), FY23 Q4: $9.3M Revenue (TTM), FY24 Q1: $4M Revenue (TTM), FY24 Q2: $4.6M Revenue (TTM), FY24 Q3: $5.5M Revenue (TTM), FY24 Q4: $5.7M Revenue (TTM), FY25 Q1: $11.5M Revenue (TTM), FY25 Q2: $11.5M Revenue (TTM), FY25 Q3: $11.1M Revenue (TTM), FY25 Q4: $10.9M Revenue (TTM), FY26 Q1: $11.1M Revenue (TTM), FY26 Q2: $11.3M $11.3M

Source: SEC EDGAR filings. Retrieved October 31, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $8.9M
FY23 Q4 $9.3M
FY24 Q1 $4M
FY24 Q2 $4.6M
FY24 Q3 $5.5M
FY24 Q4 $5.7M
FY25 Q1 $11.5M
FY25 Q2 $11.5M
FY25 Q3 $11.1M
FY25 Q4 $10.9M
FY26 Q1 $11.1M
FY26 Q2 $11.3M
Revenue growth, TTM YoY Catalyst Bancorp, Inc.
-100% 0% 100% 200% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 8.2% Revenue growth, TTM YoY, FY23 Q4: 9.6% Revenue growth, TTM YoY, FY24 Q1: -54.7% Revenue growth, TTM YoY, FY24 Q2: -47.7% Revenue growth, TTM YoY, FY24 Q3: -38.1% Revenue growth, TTM YoY, FY24 Q4: -38.8% Revenue growth, TTM YoY, FY25 Q1: 187.6% Revenue growth, TTM YoY, FY25 Q2: 148.7% Revenue growth, TTM YoY, FY25 Q3: 101.2% Revenue growth, TTM YoY, FY25 Q4: 91.6% Revenue growth, TTM YoY, FY26 Q1: -3.0% Revenue growth, TTM YoY, FY26 Q2: -1.8% -1.8%

Source: SEC EDGAR filings. Retrieved October 31, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 8.2%
FY23 Q4 9.6%
FY24 Q1 -54.7%
FY24 Q2 -47.7%
FY24 Q3 -38.1%
FY24 Q4 -38.8%
FY25 Q1 187.6%
FY25 Q2 148.7%
FY25 Q3 101.2%
FY25 Q4 91.6%
FY26 Q1 -3.0%
FY26 Q2 -1.8%
FCF margin (TTM) Catalyst Bancorp, Inc.
0% 20% 40% 60% FY22 Q2 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY22 Q2: 26.0% FCF margin (TTM), FY22 Q3: 12.5% FCF margin (TTM), FY22 Q4: 6.1% FCF margin (TTM), FY24 Q2: 58.5% FCF margin (TTM), FY24 Q3: 55.8% FCF margin (TTM), FY24 Q4: 48.1% FCF margin (TTM), FY25 Q1: 25.1% FCF margin (TTM), FY25 Q2: 24.7% FCF margin (TTM), FY25 Q3: 26.0% FCF margin (TTM), FY25 Q4: 28.3% FCF margin (TTM), FY26 Q1: 30.5% FCF margin (TTM), FY26 Q2: 28.7% 28.7%

Source: SEC EDGAR filings. Retrieved October 31, 2026.

View chart data
Period FCF margin (TTM)
FY22 Q2 26.0%
FY22 Q3 12.5%
FY22 Q4 6.1%
FY24 Q2 58.5%
FY24 Q3 55.8%
FY24 Q4 48.1%
FY25 Q1 25.1%
FY25 Q2 24.7%
FY25 Q3 26.0%
FY25 Q4 28.3%
FY26 Q1 30.5%
FY26 Q2 28.7%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Catalyst Bancorp earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $13.9M
  2. Fee and other income $1.4M · 12.2%
  3. Interest paid $4.1M
  4. Net interest income $9.8M · 87.8%
  5. Revenue $11.1M
  6. Non-interest expense $8.6M · 77.0%
  7. Credit-loss provisions $60,000 · 0.5%
  8. Pre-tax profit $2.5M · 22.5%
  9. Income tax $452,000 · 4.1%
  10. Net income $2.1M · 18.4%

Shares of revenue. Source: Catalyst Bancorp's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 8 10 9 9 6 11 11
Net income −1 2 0 1 −3 2 2
Diluted EPS — — $0.04 $0.12 −$0.78 $0.56 $0.56
Growth (year on year)
Revenue — +23.0% −10.8% +9.3% −38.6% +95.4% −1.8%
Net income — — −90.6% +192.2% −687.3% — −7.0%
Diluted EPS — — — +200.0% −750.0% — −3.8%
Margins
Net margin −9.1% 20.1% 2.1% 5.7% −54.1% 18.4% 18.0%
Free-cash-flow margin 4.0% 20.1% 6.1% 19.8% 48.1% 27.8% 28.7%
Cash flow
Cash from operations 1 3 1 2 3 3 3
Capital spending 1 2 0 0 0 0 0
Free cash flow 0 2 1 2 3 3 3
Stock-based pay — 0 0 1 1 1 1
Free cash flow after stock pay — 2 0 1 2 2 2
Balance sheet
Cash 25 41 13 19 44 25 37
Total debt 10 10 10 20 10 15 10
Net debt (negative = net cash) −15 −31 −3 1 −34 −10 −27
Diluted shares — 5m 5m 4m 4m 4m 4m
Returned to shareholders
Buybacks — — 2 6 6 3 2
Total returned — — 2 6 6 3 2

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q2 TTM
Buybacks (TTM)
$1.6M
Returned to shareholders
50%
of free cash flow
Buybacks, last 3 fiscal years
$14.7M
Diluted share count
−3.3%
year over year
Total shareholder yield
2.3%
dividends 0.0% + buybacks 2.3% of market value

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated CLST MBBC FDSB TCBS BSBK HFBL Median
Revenue, last 12 months $11m $9m $15m $17m $18m $24m $255m
Revenue growth, last 12 months −1.8% 33.0% −8.3% 14.3% 24.8% 18.3% 12.5%
Revenue growth, 3-year average 8.5% 4.1% — 16.3% −6.7% 1.1% 6.0%
Revenue growth, latest quarter 5.0% 21.7% −42.4% 17.5% 11.8% 15.1% 10.7%
Net margin 18.0% 19.8% 11.1% 19.1% 14.4% 25.2% 28.7%
Cash from operations / revenue 29.5% 27.1% 13.2% 28.0% 24.2% 31.2% 34.3%
Free-cash-flow margin 28.7% 22.4% 8.4% 13.3% 22.7% 26.6% 31.4%
Free-cash-flow margin, 3-year average 37.3% 4.3% −5.3% −0.8% 3.2% 18.2% 29.9%
Stock pay / revenue 7.5% 1.8% — 2.9% 5.0% 0.8% 1.2%
Change in share count −3.3% −1.3% — −6.8% −1.7% −0.5% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth -1.8% 12.5% 231 of 245
Change in growth rate Growth +1.2pp +0.0pp 89 of 244
Net margin Profitability 18.0% 28.7% 208 of 245
Stock pay as % of revenue Cash generation 7.5% 1.3% 204 of 206
Change in share count Balance sheet -3.3% 0.4% 31 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Who owns it

Funds buying and selling
Reported value
$22.1M
Institutions reporting
23
Shares held vs prior quarter
▲ 23.2%
Positions opened / closed
1 / 1

Top buyers and sellers, Q2 2026: 10 institutions bought and 7 sold ; the biggest buyer was Knott David M Jr (+114K shares) and the biggest seller Newedge Advisors, LLC (−10K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Stilwell Value LLC $6M 364K 27.2% ▲ 28.9%
Knott David M Jr $3.6M 114K 16.2% New
Graham Capital Wealth Management, LLC $3.2M 196K 14.6% ▼ 0.7%
Vanguard Capital Management LLC $3.1M 189K 14.1% ▼ 0.3%
Blackrock, Inc. $1.1M 69K 5.1% ▲ 4.8%
Alliancebernstein L.P. $1M 61K 4.6% ▲ 93.1%
Geode Capital Management, LLC $571,001 35K 2.6% ▲ 0.2%
Montz Harcus Wealth Management LLC $495,300 30K 2.2% 0.0%
Kestra Advisory Services, LLC $412,750 25K 1.9% 0.0%
Vanguard Fiduciary Trust Co $402,035 24K 1.8% ▲ 0.6%
Renaissance Technologies LLC $381,381 23K 1.7% ▼ 0.4%
Susquehanna International Group, LLP $381,018 23K 1.7% ▲ 113.2%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Catalyst Bancorp, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying

No open-market insider trades reported in the last 12 months.

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 28, 2027 estimated from the company's past filing pattern, not announced

  • October 29, 2026
  • July 30, 2026
  • April 30, 2026
  • January 29, 2026
  • October 23, 2025
  • July 24, 2025

Recent SEC filings

Data status

When each part of this page on Catalyst Bancorp, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Catalyst Bancorp, Inc. in brief

What does Catalyst Bancorp, Inc. do?
Catalyst Bancorp, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Catalyst Bancorp, Inc.'s stock ticker?
Catalyst Bancorp, Inc. trades under the ticker CLST on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Catalyst Bancorp, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Catalyst Bancorp, Inc. reported revenue of $11.3M, 1.8% lower than a year earlier, according to its SEC filings.
What is Catalyst Bancorp, Inc.'s free cash flow?
Catalyst Bancorp, Inc.'s free-cash-flow margin is 28.7% of revenue over the trailing twelve months.
Who are Catalyst Bancorp, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Stilwell Value LLC, Knott David M Jr and Graham Capital Wealth Management, LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Catalyst Bancorp, Inc. buying back stock, and does it pay a dividend?
Catalyst Bancorp, Inc. spent $1.6M on share repurchases over the trailing twelve months, and its diluted share count fell 3.3% over the year.
What is Catalyst Bancorp, Inc.'s market cap?
On November 2, 2026, Catalyst Bancorp, Inc.'s market capitalisation was about $64.9M, with a price-to-earnings ratio of 32.0 and net debt of -$27M. Market figures come from third-party market data and may be delayed.
Who are Catalyst Bancorp, Inc.'s competitors?
In our Regional Banks peer group, the companies closest to Catalyst Bancorp, Inc. are Marathon Bancorp, Inc., Fifth District Bancorp, Inc., Texas Community Bancshares, Inc., Bogota Financial Corp. and Home Federal Bancorp, Inc. Of Louisiana. The side-by-side comparison below sets their revenue, margins and growth against Catalyst Bancorp, Inc.'s.
When is Catalyst Bancorp, Inc.'s next earnings date?
Around January 28, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Catalyst Bancorp, Inc. announces its own schedule.