CLST

Company Overview — What Does Catalyst Bancorp, Inc. Do?

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. Catalyst Bancorp, Inc. (CLST) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Joseph B. Zanco and employs approximately 60 people. With a market capitalization of $65M, CLST is one of the notable companies in the Financials sector.

Catalyst Bancorp, Inc. (CLST) Stock Rating — Hold (April 2026)

As of April 2026, Catalyst Bancorp, Inc. receives a Hold rating with a composite score of 53.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.CLST ranks #984 out of 4,446 stocks in our coverage universe. Within the Financials sector, Catalyst Bancorp, Inc. ranks #365 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CLST Stock Price and 52-Week Range

Catalyst Bancorp, Inc. (CLST) currently trades at $15.95. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is CLST Overvalued or Undervalued? — Valuation Analysis

Catalyst Bancorp, Inc. (CLST) carries a value factor score of 54/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 31.68x, compared to the Financials sector average of 15.79x — a premium of 101%. The price-to-book ratio stands at 0.79x, versus the sector average of 1.28x. The price-to-sales ratio is 4.84x, compared to 0.96x for the average Financials stock. On an enterprise value basis, CLST trades at 29.65x EV/EBITDA, versus 3.41x for the sector.

Overall, CLST's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Catalyst Bancorp, Inc. Profitability — ROE, Margins, and Quality Score

Catalyst Bancorp, Inc. (CLST) earns a quality factor score of 45/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 2.5%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.7% versus the sector average of 1.2%.

The operating margin is 17.8% (sector: 22.0%). Net profit margin stands at 15.5%, versus 17.7% for the average Financials stock. Revenue growth is running at -0.3% on a trailing basis, compared to 9.3% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

CLST Debt, Balance Sheet, and Financial Health

Catalyst Bancorp, Inc. has a debt-to-equity ratio of 18.0%, compared to the Financials sector average of 121.5%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.41x, suggesting adequate working capital coverage. Total debt on the balance sheet is $15M.

CLST has a beta of 0.20, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Catalyst Bancorp, Inc. is 90/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Catalyst Bancorp, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Catalyst Bancorp, Inc. reported revenue of $13M and earnings per share (EPS) of $0.56. Net income for the quarter was $2M. Gross margin was 18.5%. Operating income came in at $2M.

In FY 2025, Catalyst Bancorp, Inc. reported revenue of $14M and earnings per share (EPS) of $0.56. Net income for the quarter was $2M. Revenue grew 0.2% year-over-year compared to FY 2024. Operating income came in at $3M.

In Q3 2025, Catalyst Bancorp, Inc. reported revenue of $4M and earnings per share (EPS) of $0.13. Net income for the quarter was $489,000. Revenue grew -4.3% year-over-year compared to Q3 2024. Operating income came in at $599,000.

In Q2 2025, Catalyst Bancorp, Inc. reported revenue of $3M and earnings per share (EPS) of $0.14. Net income for the quarter was $521,000. Gross margin was 87.8%. Revenue grew -20.2% year-over-year compared to Q2 2024. Operating income came in at $344,000.

Over the past 8 quarters, Catalyst Bancorp, Inc. has demonstrated a growth trajectory, with revenue expanding from $4M to $13M. Investors analyzing CLST stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CLST Dividend Yield and Income Analysis

Catalyst Bancorp, Inc. (CLST) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

CLST Momentum and Technical Analysis Profile

Catalyst Bancorp, Inc. (CLST) has a momentum factor score of 59/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 46/100 reflects moderate short selling activity.

CLST vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Catalyst Bancorp, Inc. (CLST) ranks #365 out of 891 stocks based on the Blank Capital composite score. This places CLST in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.9/100, Bitcoin Depot Inc. (BTM) with a score of 59.9/100, MANULIFE FINANCIAL CORP (MFC) with a score of 65.5/100, Dave Inc./DE (DAVE) with a score of 61.8/100, and Orange County Bancorp, Inc. /DE/ (OBT) with a score of 59.4/100.

Comparing CLST against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CLST vs S&P 500 (SPY) comparison to assess how Catalyst Bancorp, Inc. stacks up against the broader market across all factor dimensions.

CLST Next Earnings Date

No upcoming earnings date has been announced for Catalyst Bancorp, Inc. (CLST) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CLST? — Investment Thesis Summary

Catalyst Bancorp, Inc. presents a balanced picture with arguments on both sides. Low volatility (stability score 90/100) reduces downside risk.

In summary, Catalyst Bancorp, Inc. (CLST) earns a Hold rating with a composite score of 53.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CLST stock.

Related Resources for CLST Investors

Explore more research and tools: CLST vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CLST head-to-head with peers: CLST vs OPY, CLST vs BTM, CLST vs MFC.