📊 CLST Key Takeaways
Investment Thesis
Catalyst Bancorp shows strong revenue growth of 45.2% YoY and maintains solid profitability with 15.4% net margin, but is hampered by extremely weak returns on equity (2.0% ROA, 0.6%) indicating poor capital efficiency. The dramatic 750% decline in diluted EPS combined with thin interest coverage of 1.9x raises concerns about earnings quality and financial fragility.
CLST Strengths
- Strong revenue growth at 45.2% YoY demonstrating market expansion
- Healthy net profit margin of 15.4% showing operational profitability
- Conservative debt structure with 0.18x debt-to-equity ratio
- Positive free cash flow generation of 2.3M with 22.3% FCF margin
CLST Risks
- Dangerously low return metrics (2.0% ROE, 0.6% ROA) indicate severe capital inefficiency
- Massive 750% decline in diluted EPS YoY suggesting potential one-time charges or share dilution
- Weak interest coverage ratio of 1.9x provides limited cushion for earnings volatility
- Flat net income growth (0.0% YoY) despite 45.2% revenue growth indicates margin compression or operating deleverage
Key Metrics to Watch
- Net interest margin and loan portfolio quality trends
- Return on assets trajectory and capital efficiency improvements
- Non-performing loan ratios and loan loss reserve adequacy
- Deposit growth and funding cost trends
CLST Financial Metrics
💡 AI Analyst Insight
The 22.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CLST Profitability Ratios
CLST vs Default Sector
How Catalyst Bancorp, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CLST Balance Sheet & Liquidity
CLST 5-Year Financial Trend
5-Year Trend Summary: Catalyst Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.12 reflects profitable operations.
CLST Growth Metrics (YoY)
CLST Capital Allocation
CLST SEC Filings
Access official SEC EDGAR filings for Catalyst Bancorp, Inc. (CIK: 0001849867)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CLST
What is the AI rating for CLST?
Catalyst Bancorp, Inc. (CLST) has an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CLST's key strengths?
Strong revenue growth at 45.2% YoY demonstrating market expansion. Healthy net profit margin of 15.4% showing operational profitability.
What are the risks of investing in CLST?
Dangerously low return metrics (2.0% ROE, 0.6% ROA) indicate severe capital inefficiency. Massive 750% decline in diluted EPS YoY suggesting potential one-time charges or share dilution.
What is CLST's revenue and growth?
Catalyst Bancorp, Inc. reported revenue of $10.3M.
Does CLST pay dividends?
Catalyst Bancorp, Inc. does not currently pay dividends.
Where can I find CLST SEC filings?
Official SEC filings for Catalyst Bancorp, Inc. (CIK: 0001849867) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CLST's EPS?
Catalyst Bancorp, Inc. has a diluted EPS of $0.43.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.