Catalyst Bancorp Inc Financials
This page shows Catalyst Bancorp Inc (CLST) financial statements, including the 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 swing masks a steadier cash-generation engine, while buybacks keep shrinking the capital base.
Revenue was essentially flat from FY2024 to FY2025, but net income swung from-$3.1M to$2.1M . Because operating cash flow stayed positive in both years and finished FY2025 at$3.3M , the FY2024 loss looks more like a temporary non-cash or timing drag than a broken cash conversion model.
FY2025 produced only a
Shares outstanding have fallen materially since FY2021, reaching 4.07M by FY2025 alongside repeated buybacks. Because total equity stayed in roughly the same
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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's revenue grew a modest 0.2% year-over-year to $13.9M. This slow but positive growth earns a score of 67/100.
Catalyst Bancorp Inc carries a low D/E ratio of 0.18, meaning only $0.18 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.
Catalyst Bancorp Inc converts 22.3% of revenue into free cash flow ($3.1M). This strong cash generation earns a score of 77/100.
Catalyst Bancorp Inc generates a 2.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 12/100. This is up from -3.9% the prior year.
Catalyst Bancorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Catalyst Bancorp Inc generates $1.60 in operating cash flow ($3.3M OCF vs $2.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Catalyst Bancorp Inc generated $13.9M in revenue in fiscal year 2025. This represents an increase of 0.2% from the prior year.
Catalyst Bancorp Inc reported $2.1M in net income in fiscal year 2025. This represents an increase of 166.4% from the prior year.
Catalyst Bancorp Inc earned $0.56 per diluted share (EPS) in fiscal year 2025. This represents an increase of 171.8% from the prior year.
Cash & Balance Sheet
Catalyst Bancorp Inc generated $3.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 13.0% from the prior year.
Catalyst Bancorp Inc held $25.2M in cash against $14.7M in long-term debt as of fiscal year 2025.
Catalyst Bancorp Inc had 4M shares outstanding in fiscal year 2025. This represents a decrease of 4.8% from the prior year.
Margins & Returns
Catalyst Bancorp Inc's net profit margin was 14.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 37.0 percentage points from the prior year.
Catalyst Bancorp Inc's ROE was 2.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 6.4 percentage points from the prior year.
Capital Allocation
Catalyst Bancorp Inc spent $2.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 55.1% from the prior year.
Catalyst Bancorp Inc invested $188K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 56.3% from the prior year.
CLST Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.6M+0.6% | $3.5M+1.0% | $3.5M+1.5% | $3.5M+2.6% | $3.4M-3.9% | $3.5M-4.4% | $3.7M+4.1% | $3.5M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $1.3M-1.0% | $1.3M+1.7% | $1.3M+4.0% | $1.3M+1.4% | $1.2M+1.5% | $1.2M+2.3% | $1.2M+5.0% | $1.1M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $1.0M-1.5% | $1.0M-2.1% | $1.1M+7.0% | $993K-1.6% | $1.0M-4.3% | $1.1M-7.5% | $1.1M+5.8% | $1.1M |
| Income Tax | $126K+32.6% | $95K-13.6% | $110K-2.7% | $113K-15.7% | $134K-7.6% | $145K+34.3% | $108K-10.0% | $120K |
| Net Income | $558K+22.4% | $456K-6.7% | $489K-6.1% | $521K-11.1% | $586K-6.4% | $626K+40.0% | $447K-15.2% | $527K |
| EPS (Diluted) | $0.15 | N/A | $0.13-7.1% | $0.14-12.5% | $0.16 | N/A | $0.11-15.4% | $0.13 |
CLST Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $288.5M+2.0% | $282.9M-0.3% | $283.8M+3.7% | $273.8M+0.8% | $271.6M-1.8% | $276.7M-1.4% | $280.6M-5.0% | $295.3M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $38.5M+52.9% | $25.2M-32.4% | $37.3M-7.0% | $40.1M-0.6% | $40.3M-9.0% | $44.3M-3.2% | $45.8M-39.4% | $75.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $206.3M+2.5% | $201.2M-0.5% | $202.2M+4.8% | $193.0M+1.0% | $191.1M-2.8% | $196.5M-1.2% | $198.9M-7.2% | $214.3M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $9.8M-33.8% | $14.7M+0.3% | $14.7M | N/A | N/A | $9.6M-67.6% | $29.5M-2.5% | $30.3M |
| Total Equity | $82.2M+0.6% | $81.7M+0.2% | $81.6M+1.0% | $80.8M+0.3% | $80.6M+0.5% | $80.2M-1.8% | $81.7M+0.8% | $81.0M |
| Retained Earnings | $52.5M+1.1% | $51.9M+0.9% | $51.5M+1.0% | $51.0M+1.0% | $50.4M+1.2% | $49.9M+1.3% | $49.2M+0.9% | $48.8M |
CLST Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $661K-17.1% | $797K-12.6% | $912K-20.8% | $1.2M+169.6% | $427K-32.9% | $636K-29.0% | $896K-35.7% | $1.4M |
| Capital Expenditures | $4K+33.3% | $3K-96.5% | $85K+150.0% | $34K-48.5% | $66K+20.0% | $55K-56.0% | $125K-44.7% | $226K |
| Free Cash Flow | $657K-17.3% | $794K-4.0% | $827K-26.0% | $1.1M+209.4% | $361K-37.9% | $581K-24.6% | $771K-33.9% | $1.2M |
| Investing Cash Flow | $7.8M+171.4% | -$11.0M+13.6% | -$12.7M-455.5% | -$2.3M-248.5% | $1.5M+41.9% | $1.1M+106.7% | -$16.2M-32.9% | -$12.2M |
| Financing Cash Flow | $4.8M+354.0% | -$1.9M-121.2% | $9.0M+932.1% | $871K+114.7% | -$5.9M-87.0% | -$3.2M+77.9% | -$14.4M-239.7% | $10.3M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $260K-67.8% | $807K+371.9% | $171K-77.0% | $742K-14.3% | $866K-38.8% | $1.4M+51.8% | $933K-1.6% | $948K |
CLST Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 15.6%+2.8pp | 12.8%-1.1pp | 13.9%-1.1pp | 15.0%-2.3pp | 17.4%-0.5pp | 17.8%+5.6pp | 12.2%-2.8pp | 14.9% |
| Return on Equity | 0.7%+0.1pp | 0.6%-0.0pp | 0.6%-0.0pp | 0.6%-0.1pp | 0.7%-0.0pp | 0.8%+0.2pp | 0.5%-0.1pp | 0.7% |
| Return on Assets | 0.2%+0.0pp | 0.2%0.0pp | 0.2%-0.0pp | 0.2%-0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%-0.0pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.12-0.1 | 0.180.0 | 0.18-2.2 | 2.39+0.0 | 2.37+2.3 | 0.12-0.2 | 0.36-0.0 | 0.37 |
| FCF Margin | 18.4%-4.0pp | 22.4%-1.2pp | 23.5%-8.7pp | 32.3%+21.6pp | 10.7%-5.9pp | 16.6%-4.4pp | 21.0%-12.1pp | 33.1% |
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Frequently Asked Questions
What is Catalyst Bancorp Inc's annual revenue?
Catalyst Bancorp Inc (CLST) reported $13.9M in total revenue for fiscal year 2025. This represents a 0.2% 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 0.2% year-over-year, from $13.9M to $13.9M in fiscal year 2025.
Is Catalyst Bancorp Inc profitable?
Yes, Catalyst Bancorp Inc (CLST) reported a net income of $2.1M in fiscal year 2025, with a net profit margin of 14.8%.
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 14.8% 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, measuring the company's financial leverage by comparing total debt to shareholder 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 Piotroski F-Score?
Catalyst Bancorp Inc (CLST) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. 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.
Are Catalyst Bancorp Inc's earnings high quality?
Catalyst Bancorp Inc (CLST) has an earnings quality ratio of 1.60x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Catalyst Bancorp Inc?
Catalyst Bancorp Inc (CLST) scores 42 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.