Catalyst Bancorp (CLST) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 28, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CLST SEC filings page.
Catalyst Bancorp, Inc. (CLST) reported $11.5M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Catalyst Bancorp's earnings recovered sharply, but cash generation barely moved while liabilities continued growing faster than its equity base.
Revenue rose95.4% in FY2025, while operating cash flow rose only3.6% . That divergence means reported business volume expanded much faster than cash generation, making the earnings recovery less cash-visible than the headline result.
Liabilities represented
Interest expense was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Catalyst Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Catalyst Bancorp, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -1.1% the prior year. Earnings ranks banks on that return over three years, and Catalyst Bancorp, Inc. scores 16/100 among other banks.
Catalyst Bancorp, Inc. reported revenue of $11.1M in fiscal year 2025, against $5.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Catalyst Bancorp, Inc. scores 57/100 among other banks.
Catalyst Bancorp, Inc. funded 28.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $81.7M of equity against $282.9M of assets. Capital ranks banks on that cushion, and Catalyst Bancorp, Inc. scores 88/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Catalyst Bancorp, Inc. scores 6/100 on it among other banks.
Not available for Catalyst Bancorp, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Catalyst Bancorp, Inc. reported net income of $2.1M in fiscal year 2025, against a loss of $3.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Catalyst Bancorp, Inc. scores 3/100 among other banks.
Catalyst Bancorp, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Catalyst Bancorp, Inc. generated $3.0M in revenue in Q2 2026. This represents an increase of 5.0% from the same quarter a year earlier. Against the prior quarter it is up 1.9%.
Catalyst Bancorp, Inc. reported $524K in net income in Q2 2026. This represents an increase of 0.6% from the same quarter a year earlier. Against the prior quarter it is down 6.1%.
Catalyst Bancorp, Inc. earned $0.14 per diluted share (EPS) in Q2 2026. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 6.7%.
Not reported for Q2 2026.
Cash & Balance Sheet
Catalyst Bancorp, Inc. generated $958K in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 14.2% from the same quarter a year earlier. Against the prior quarter it is up 45.8%.
Catalyst Bancorp, Inc. held $37.0M in cash against $9.8M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Catalyst Bancorp, Inc.'s net profit margin was 17.8% in Q2 2026, showing the share of revenue converted to profit. This is down 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.5 percentage points.
Catalyst Bancorp, Inc.'s quarterly ROE was 0.6% in Q2 2026: one quarter's net income over shareholder equity, not annualized. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Catalyst Bancorp, Inc. spent $393K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 47.0% from the same quarter a year earlier. Against the prior quarter it is up 51.2%.
Catalyst Bancorp, Inc. reported no capital expenditure in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
Not reported for Q2 2026.
CLST Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.0M+5.0% | $2.9M+7.2% | $2.9M | $2.8M-12.3% | $2.8M-0.1% | $2.7M-14.4% | N/A | $3.2M+39.8% |
| Interest Expense | $993K0.0% | $1.0M+1.6% | $1.0M | $1.1M-6.7% | $993K-7.8% | $1.0M-5.0% | N/A | $1.1M+118.6% |
| Income Tax | $152K+34.5% | $126K-6.0% | $95K | $110K+1.9% | $113K-5.8% | $134Kn/m | N/A | $108K+390.9% |
| Net Income | $524K+0.6% | $558K-4.8% | $456K | $489K+9.4% | $521K-1.1% | $586Kn/m | N/A | $447K+196.0% |
| EPS (Basic) | $0.15+7.1% | $0.160.0% | $0.13-13.3% | $0.13+18.2% | $0.14+7.7% | $0.16n/m | $0.15+114.3% | $0.11+266.7% |
| EPS (Diluted) | $0.140.0% | $0.15-6.3% | $0.13-13.3% | $0.13+18.2% | $0.14+7.7% | $0.16n/m | $0.15+114.3% | $0.11+266.7% |
| Diluted Shares (Avg) | 4M-0.6% | 4M-2.2% | N/A | 4M-6.3% | 4M-7.5% | 4M-8.9% | N/A | 4M-9.7% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
CLST Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $290.0M+5.9% | $288.5M+6.2% | $282.9M+2.3% | $283.8M+1.1% | $273.8M-7.3% | $271.6M-3.7% | $276.7M+2.1% | $280.6M+8.8% |
| Cash & Equivalents | $37.0M-7.7% | $38.5M-4.4% | $25.2M-43.1% | $37.3M-18.5% | $40.1M-46.9% | $40.3M-47.0% | $44.3M+133.0% | $45.8M+244.9% |
| Total Liabilities | $207.5M+7.5% | $206.3M+8.0% | $201.2M+2.4% | $202.2M+1.7% | $193.0M-10.0% | $191.1M-4.8% | $196.5M+5.4% | $198.9M+13.2% |
| Long-Term Debt | $9.8M | $9.8M | $14.7M+54.1% | $14.7M-50.2% | N/A | N/A | $9.6M-50.7% | $29.5M+216.2% |
| Total Equity | $82.5M+2.1% | $82.2M+2.0% | $81.7M+1.9% | $81.6M-0.1% | $80.8M-0.3% | $80.6M-0.8% | $80.2M-5.2% | $81.7M-0.6% |
| Retained Earnings | $53.0M+4.0% | $52.5M+4.0% | $51.9M+4.1% | $51.5M+4.5% | $51.0M+4.5% | $50.4M+4.5% | $49.9M-5.8% | $49.2M-6.5% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.
CLST Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $958K-16.8% | $661K+54.8% | $797K+25.3% | $912K+1.8% | $1.2M-17.4% | $427K+72.9% | $636K-31.6% | $896K+65.9% |
| Depreciation & Amortization | $101K-3.8% | $105K+1.9% | $107K+0.9% | $107K+2.9% | $105K+4.0% | $103K+2.0% | $106K+3.9% | $104K+5.1% |
| Stock-Based Compensation | N/A | $253K+25.9% | N/A | N/A | N/A | $201K0.0% | N/A | N/A |
| Capital Expenditures | $0-100.0% | $4K-93.9% | $3K-94.5% | $85K-32.0% | $34K-85.0% | $66K+175.0% | $55K+292.9% | $125K-15.5% |
| Free Cash Flow | $958K-14.2% | $657K+82.0% | $794K+36.7% | $827K+7.3% | $1.1M-4.3% | $361K+61.9% | $581K-36.6% | $771K+96.7% |
| Investing Cash Flow | -$3.1Mn/m | $7.8M+409.0% | -$11.0M-1110.9% | -$12.7Mn/m | -$2.3Mn/m | $1.5M-96.6% | $1.1Mn/m | -$16.2M-18350.6% |
| Financing Cash Flow | $623K-28.5% | $4.8Mn/m | -$1.9Mn/m | $9.0Mn/m | $871K-91.5% | -$5.9M-151.4% | -$3.2M-133.7% | -$14.4Mn/m |
| Share Buybacks | $393K-47.0% | $260K-70.0% | $807K-43.0% | $171K-81.7% | $742K-21.7% | $866K-64.8% | $1.4M+44.6% | $933K-6.8% |
Not reported in any period shown, so not listed: Dividends Paid.
CLST Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 17.8%-0.8pp | 19.3%-2.4pp | 15.9% | 17.7%+3.5pp | 18.5%-0.2pp | 21.7% | N/A | 14.2%+7.5pp |
| Return on Equity | 0.6%0.0pp | 0.7%-0.1pp | 0.6% | 0.6%+0.1pp | 0.6%0.0pp | 0.7%+6.5pp | N/A | 0.5%+0.4pp |
| Return on Assets | 0.2%0.0pp | 0.2%0.0pp | 0.2% | 0.2%0.0pp | 0.2%0.0pp | 0.2%+1.9pp | N/A | 0.2%+0.1pp |
| Debt-to-Equity | 0.12 | 0.12 | 0.18+0.1x | 0.18-0.2x | N/A | N/A | 0.12-0.1x | 0.36+0.2x |
| Liabilities-to-Equity | 2.51+0.1x | 2.51+0.1x | 2.460.0x | 2.480.0x | 2.39-0.3x | 2.37-0.1x | 2.45+0.2x | 2.44+0.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.01 | 0.010.0x | 0.010.0x | 0.010.0x | N/A | 0.010.0x |
| FCF Margin | 32.5%-7.3pp | 22.7%+9.3pp | 27.7% | 29.9%+5.4pp | 39.7%-1.8pp | 13.4%+6.3pp | N/A | 24.5%+7.1pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Catalyst Bancorp, Inc. CLST | FY2025 | $11.1M | $2.1M | 18.4% | $69.6M | 34/100 |
| Central Plains Bancshares, Inc. CPBI | FY2026 | $21.3M | $4.0M | 18.7% | $80.2M | 50/100 |
| Broadway Financial Corp/Del BYFC | FY2025 | $34.9M | -$24.8M | -71.0% | $106.2M | 24/100 |
| First Northwest Bancorp FNWB | FY2025 | $68.9M | -$4.2M | -6.1% | $98.2M | 13/100 |
| Bank of the James Financial Group, Inc BOTJ | FY2025 | $48.7M | $9.0M | 18.5% | $131.9M | 52/100 |
Where Catalyst Bancorp, Inc. Ranks
Frequently Asked Questions
What is Catalyst Bancorp, Inc.'s annual revenue?
Catalyst Bancorp, Inc. (CLST) reported $11.1M in total revenue for fiscal year 2025. This represents a 95.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Catalyst Bancorp, Inc.'s revenue growing?
Catalyst Bancorp, Inc. (CLST) revenue grew by 95.4% year-over-year, from $5.7M to $11.1M in fiscal year 2025.
Is Catalyst Bancorp, Inc. profitable?
Yes, Catalyst Bancorp, Inc. (CLST) reported a net income of $2.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $2.1M, with a net profit margin of 18.4%.
How much debt does Catalyst Bancorp, Inc. have?
As of fiscal year 2025, Catalyst Bancorp, Inc. (CLST) had $25.2M in cash and equivalents against $14.7M in long-term debt.
What is Catalyst Bancorp, Inc.'s net profit margin?
Catalyst Bancorp, Inc. (CLST) had a net profit margin of 18.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Catalyst Bancorp, Inc.'s return on equity (ROE)?
Catalyst Bancorp, Inc. (CLST) has a return on equity of 2.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Catalyst Bancorp, Inc.'s free cash flow?
Catalyst Bancorp, Inc. (CLST) generated $3.1M in free cash flow during fiscal year 2025. This represents a 13.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Catalyst Bancorp, Inc.'s operating cash flow?
Catalyst Bancorp, Inc. (CLST) generated $3.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Catalyst Bancorp, Inc.'s total assets?
Catalyst Bancorp, Inc. (CLST) had $282.9M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Catalyst Bancorp, Inc.'s capital expenditures?
Catalyst Bancorp, Inc. (CLST) invested $188K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Catalyst Bancorp, Inc.'s debt-to-equity ratio?
Catalyst Bancorp, Inc. (CLST) had a debt-to-equity ratio of 0.18 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Catalyst Bancorp, Inc.'s liabilities-to-equity ratio?
Catalyst Bancorp, Inc. (CLST) had a liabilities-to-equity ratio of 2.46 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Catalyst Bancorp, Inc.'s return on assets (ROA)?
Catalyst Bancorp, Inc. (CLST) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Catalyst Bancorp, Inc.'s P/E ratio?
Catalyst Bancorp, Inc. (CLST) trades at 34.3x earnings, its market capitalization divided by $2.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $69.6M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Catalyst Bancorp, Inc.'s price-to-sales ratio?
Catalyst Bancorp, Inc. (CLST) trades at 6.1x sales, its market capitalization divided by $11.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $69.6M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Catalyst Bancorp, Inc.'s Piotroski F-Score?
Catalyst Bancorp, Inc. (CLST) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
How financially healthy is Catalyst Bancorp, Inc.?
Catalyst Bancorp, Inc. (CLST) scores 34 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Catalyst Bancorp, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.