Catalyst Bancorp, Inc.
CLST · Price history
Price at last available close
$17.10
−$0.68 (-3.82%) 1M
2026-10-28
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Company & revenue
About Catalyst Bancorp, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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 diverse deposit options for its clientele, encompassing savings accounts, checking and negotiable order of withdrawal (NOW) accounts, money market accounts, and certificates of deposit.
How they make money
Catalyst Bancorp, Inc. operates as a bank holding company that generates revenue primarily through net interest income, which is the difference between interest earned on loans and investment securities and interest paid on customer deposits and other borrowings. The company also earns non-interest income through service charges on deposit accounts, loan fees, and other banking-related services provided to its commercial and retail customers in the Acadiana region of Louisiana.
Products & services
The company provides a range of commercial and retail banking products, including various deposit accounts, commercial real estate loans, multi-family residential loans, and other consumer lending services through its subsidiary, Catalyst Bank.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not disclose any single customer that accounts for a significant portion of its total revenue as of the fiscal year ended December 31, 2025.
Suppliers, materials & equipment
- Federal Home Loan Bank — Provides wholesale funding and liquidity to the Bank.Source
Strengths
- Long-standing operational history in the Acadiana region since 1922Source
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
46
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
49
Weak
Financial Strength
32
Business Quality / Moat
91
Management
42
Growth Quality
30
Risk / Durability
31
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
55
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
56/100
Building Historical Record
Model Score 56/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Recent buyback activity is present
- •Debt service risk
- •M&A headline · Aug 5, 2026
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for CLST
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can CLST maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is CLST's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does CLST's balance between cash and debt leave enough flexibility if business conditions weaken?
Essential Investment Snapshot
Wall Street Score
46
Opportunity Score
55
Market Cap
$69.0M
P/E Ratio
30.9
EPS
$0.57
52-Week High
$20.50
52-Week Low
$13.15
Beta
0.11
Intrinsic Value
$21.95
Shares Outstanding
3.7M
Total Revenue
$15.6M
Total Debt
$9.8M
Dividend
No current dividend
Liquidation Value / Share
$22.15
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for CLST
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.6x). Earnings may be strained to cover interest expense.
M&A headline · Aug 5, 2026
CLST's Q2 Earnings Flat Y/Y, Merger Costs and Loan Weakness Hurt — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Zacks Investment ResearchCommunity Sentiment
0 active · 0 total callsNo personal call yet on CLST.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Long-standing operational history in the Acadiana region since 1922.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate risk affecting net interest margin.
- −Credit risk associated with the loan portfolio.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
45
Sep 14, 2026
Change
+0.7
points
Current Score
46
Oct 1, 2026
Category Changes
CLST increased 0.7 points because Valuation improved by 3.4 points.
Positive Contributors
- + Valuation improved by 3.4 points
Projected Score
Projected Score
45
Projected Change
-1.0 points
Preliminary comparable-period financial changes suggest decline of approximately 1.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$17.10
Model Intrinsic Value
$21.95
Difference
−$4.85
-22.1% vs IV
Margin of Safety
22.1%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Large reported revenue change: +55.3%
Revenue changed sharply from 2024 to 2025. This can reflect a real business change, acquisition, divestiture, discontinued operations, restatement, or reporting-basis change. Compare the underlying filing before treating it as normal growth or decline.
TTM may combine quarters from before and after the event, so its trend can also be distorted.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.5M | $15.3M | $9.9M | $11.0M | ···· | ···· | ···· | ···· |
| Cost of Revenue | $4.0M | $4.2M | $4.8M | $2.1M | ···· | ···· | ···· | ···· |
| Gross Profit | $11.5M | $11.2M | $5.0M | $8.9M | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· |
| SG&A Expenses | $6.2M | $6.0M | $5.6M | $5.5M | ···· | ···· | ···· | ···· |
| Operating Expenses | $9.0M | $8.7M | $9.0M | $8.3M | ···· | ···· | ···· | ···· |
| EBITDA | $2.8M | $2.9M | -$3.6M | $990K | ···· | ···· | ···· | ···· |
| Operating Income | $2.5M | $2.5M | -$4.0M | $587K | ···· | ···· | ···· | ···· |
| Interest Expense | $4.1M | $4.1M | $4.3M | $2.0M | ···· | ···· | ···· | ···· |
| Income Before Tax | $2.5M | $2.5M | -$4.0M | $587K | ···· | ···· | ···· | ···· |
| Income Tax Expense | $483K | $452K | -$894K | $61K | ···· | ···· | ···· | ···· |
| Net Income | $2.0M | $2.1M | -$3.1M | $526K | ···· | ···· | ···· | ···· |
| Basic EPS | $0.57 | $0.56 | $-0.78 | $0.12 | ···· | ···· | ···· | ···· |
| Basic Shares | 3.49M | 3.72M | 3.94M | 4.30M | ···· | ···· | ···· | ···· |
| Diluted Shares | 3.49M | 3.73M | 3.94M | 4.30M | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$3.9M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.15
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+1.4%
Cash Change
-87.6%
Margin Change
-0.5 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth. Pressure indicators included cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 4.5%. EPS increased 7.1%. Cash declined 87.6%. Total debt increased 1.4%. Net income margin declined by 0.5 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalRumor Mill · CLST
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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