CATALYST BANCORP INC(NASDAQ:CLST) stock Fundamental Analysis

Fundamental Rating

Overall CLST gets a fundamental rating of 1 out of 10. We evaluated CLST against 402 industry peers in the Banks industry. Both the profitability and financial health of CLST have multiple concerns. CLST is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

CLST had negative earnings in the past year.

CLST had a positive operating cash flow in the past year.

In multiple years CLST reported negative net income over the last 5 years.

CLST had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -1.21%, CLST is doing worse than 97.28% of the companies in the same industry.

Looking at the Return On Equity, with a value of -4.16%, CLST is doing worse than 95.05% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	-1.21%
ROE	-4.16%
ROIC	N/A

ROA(3y)-0.28%

ROA(5y)-0.09%

ROE(3y)-0.98%

ROE(5y)-0.47%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CLST does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CLST does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CLST has been reduced compared to 1 year ago.

The number of shares outstanding for CLST has been reduced compared to 5 years ago.

There is no outstanding debt for CLST. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

The Debt to FCF ratio of CLST is 6.50, which is on the high side as it means it would take CLST, 6.50 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 6.50, CLST is doing worse than 70.05% of the companies in the same industry.

A Debt/Equity ratio of 0.24 indicates that CLST is not too dependend on debt financing.

CLST has a Debt to Equity ratio (0.24) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.24
Debt/FCF	6.5
Altman-Z	N/A

ROIC/WACCN/A

WACC8.89%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CLST have decreased strongly by -625.79% in the last year.

CLST shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -39.26%.

CLST shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.56% yearly.

EPS 1Y (TTM)-625.79%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%111.08%

Revenue 1Y (TTM)-39.26%

Revenue growth 3Y-15.72%

Revenue growth 5Y-6.56%

Sales Q2Q%6.81%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CLST. In the last year negative earnings were reported.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CLST indicates a slightly more expensive valuation: CLST is more expensive than 62.87% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	16.25
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CLST does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CATALYST BANCORP INC

NASDAQ:CLST (3/7/2025, 8:15:14 PM)

11.68

+0.02 (+0.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2024-07-25/bmo

Earnings (Next)N/A N/A

Inst Owners27.34%

Inst Owner Change32.22%

Ins Owners5.11%

Ins Owner Change0%

Market Cap49.99M

Analysts0

Price TargetN/A

Short Float %0.16%

Short Ratio0.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	9.04
P/FCF	16.25
P/OCF	14.43
P/B	0.61
P/tB	0.61
EV/EBITDA	N/A

EPS(TTM)-0.77

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.72

FCFY6.16%

OCF(TTM)0.81

OCFY6.93%

SpS1.29

BVpS19.08

TBVpS19.08

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-1.21%
ROE	-4.16%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	55.66%

ROA(3y)-0.28%

ROA(5y)-0.09%

ROE(3y)-0.98%

ROE(5y)-0.47%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.24
Debt/FCF	6.5
Debt/EBITDA	N/A
Cap/Depr	94.62%
Cap/Sales	7%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC8.89%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-625.79%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%111.08%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-39.26%

Revenue growth 3Y-15.72%

Revenue growth 5Y-6.56%

Sales Q2Q%6.81%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y136.69%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y135.65%

OCF growth 3YN/A

OCF growth 5YN/A

CATALYST BANCORP INC (CLST) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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