Catalyst Bancorp, Inc. (CLST) | Investment Case

1. Company Snapshot

1.a. 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.

Show Full description

1.b. Last Insights on CLST

Catalyst Bancorp, Inc.'s recent performance was driven by a 40% increase in net income to $626,000 in Q4 2024, compared to the previous quarter. This improvement was largely due to the company's ability to control expenses, as evidenced by a 17% decrease in non-interest expenses year-over-year. Additionally, Catalyst Bancorp's commitment to returning value to shareholders is evident through its share buyback program, which can help reduce the number of outstanding shares and increase earnings per share.

1.c. Company Highlights

Last Price	15.25
Change Percentage	-0.33%
Open	15.27
Previous Close	15.3
Market Cap ( Millions)	63
Volume	377
Year High	15.3
Year Low	10.67
M A 50	14.2
M A 200	12.66

FCF Yield	4.48%
Dividend Yield	0.00%
ROE	2.75%
Debt / Equity	18.01%
Net Debt / EBIDTA	483.48%
Price To Book	0.71
Price Earnings Ratio	25.99
Price To FCF	22.3
Price To sales	4.12
EV / EBITDA	25.6

2. Transcript Summary

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3. NewsRoom

Catalyst Bancorp, Inc. Announces New Share Repurchase Plan

Nov -20

Source: prnewswire.com

Contrasting National Bank (NYSE:NBHC) & Catalyst Bancorp (NASDAQ:CLST)

Oct -24

Source: defenseworld.net

Catalyst Bancorp, Inc. Announces 2025 Third Quarter Results

Oct -23

Source: prnewswire.com

Catalyst Bancorp Posts Q2 Profit Drop

Jul -25

Source: fool.com

Catalyst Bancorp, Inc. Announces 2025 Second Quarter Results

Jul -24

Source: prnewswire.com

Catalyst Bancorp, Inc. Announces 2025 First Quarter Results

Apr -24

Source: prnewswire.com

Catalyst Bancorp, Inc. Announces 2024 Fourth Quarter Results

Jan -23

Source: prnewswire.com

Catalyst Bancorp, Inc. Announces New Share Repurchase Plan

Nov -25

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Catalyst Bancorp's Banking and Related Activities segment is poised for growth driven by increasing demand for commercial and consumer lending, deposit taking, and other financial services. A strong economy, low unemployment, and rising consumer spending will fuel growth in the segment.

7. Detailed Products

Commercial Banking

Catalyst Bancorp, Inc. offers a range of commercial banking services, including cash management, treasury management, and lending solutions to businesses of all sizes.

Treasury Management

Catalyst Bancorp, Inc. provides treasury management services, including account management, payment processing, and fraud prevention to help businesses optimize their financial operations.

Mortgage Banking

Catalyst Bancorp, Inc. offers mortgage banking services, including loan origination, servicing, and securitization to help individuals and businesses achieve their homeownership goals.

Investment Banking

Catalyst Bancorp, Inc. provides investment banking services, including mergers and acquisitions, equity and debt capital markets, and restructuring to help businesses achieve their strategic objectives.

Wealth Management

Catalyst Bancorp, Inc. offers wealth management services, including investment management, trust services, and estate planning to help individuals and families achieve their financial goals.

8. Catalyst Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Catalyst Bancorp, Inc. is medium due to the presence of alternative financial institutions and digital payment platforms.

Bargaining Power Of Customers

The bargaining power of customers is low for Catalyst Bancorp, Inc. as customers have limited negotiating power and the company has a strong brand presence.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium for Catalyst Bancorp, Inc. as the company relies on a few large suppliers for its operations, but has some negotiating power due to its size.

Threat Of New Entrants

The threat of new entrants is high for Catalyst Bancorp, Inc. due to the relatively low barriers to entry in the financial services industry and the increasing trend of fintech startups.

Intensity Of Rivalry

The intensity of rivalry is high for Catalyst Bancorp, Inc. due to the highly competitive nature of the financial services industry, with many established players and new entrants vying for market share.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	18.63%
Debt Cost	3.95%
Equity Weight	81.37%
Equity Cost	4.61%
WACC	4.48%
Leverage	22.90%

11. Quality Control: Catalyst Bancorp, Inc. passed 4 out of 9 key points

Strong Liquidity

Low Debt

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Penns Woods Bancorp

A-Score: 7.0/10

Value: 5.5

Growth: 4.8

Quality: 5.0

Yield: 9.0

Momentum: 8.5

Volatility: 9.3

1-Year Total Return ->

Landmark Bancorp

A-Score: 6.8/10

Value: 6.5

Growth: 4.9

Quality: 5.4

Yield: 7.0

Momentum: 9.5

Volatility: 7.3

1-Year Total Return ->

Home Federal Bancorp of Louisiana

A-Score: 6.7/10

Value: 7.4

Growth: 6.1

Quality: 7.4

Yield: 6.0

Momentum: 7.0

Volatility: 6.3

1-Year Total Return ->

LCNB

A-Score: 6.7/10

Value: 7.1

Growth: 6.1

Quality: 5.6

Yield: 9.0

Momentum: 5.0

Volatility: 7.3

1-Year Total Return ->

Northfield Bancorp

A-Score: 6.2/10

Value: 7.4

Growth: 4.7

Quality: 5.5

Yield: 8.0

Momentum: 5.0

Volatility: 6.7

1-Year Total Return ->

Catalyst Bancorp

A-Score: 5.4/10

Value: 4.4

Growth: 3.8

Quality: 5.6

Yield: 0.0

Momentum: 8.5

Volatility: 10.0

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

-2.73%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

4.48%

Catalyst Bancorp, Inc. - US14888L1017

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on CLST

1.c. Company Highlights

Lower Yield

Lower Quality

Strong Momentum

Average Quality

Stable Momentum

Weak Momentum

Lower Growth

Less Volatile

Fairly Valued

Average Growth

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

7. Detailed Products

Commercial Banking

Treasury Management

Mortgage Banking

Investment Banking

Wealth Management

8. Catalyst Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: Catalyst Bancorp, Inc. passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

15.25$

Current Price

15.25$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA