NASDAQ : CLST
Catalyst Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 17.35 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 70.20M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 15.56M | 12.41M | 12.71M | 7.95M | 6.13M | 6.96M |
| Interest Income on Investments | 2.87M | 1.48M | 1.15M | 1.72M | 1.89M | 734.00K |
| Total Interest Income | 18.43M | 13.90M | 13.86M | 9.66M | 8.01M | 7.70M |
| Interest Paid on Deposits | 4.72M | 3.79M | 3.23M | 1.64M | 402.00K | 523.00K |
| Interest Paid on Borrowings | 915.00K | 315.00K | 1.09M | 319.00K | 281.00K | 272.00K |
| Total Interest Expense | 5.64M | 4.11M | 4.32M | 1.96M | 683.00K | 795.00K |
| Net Interest Income | 12.79M | 9.79M | 9.54M | 7.71M | 7.33M | 6.90M |
| Gain (Loss) on Sale of Assets | -1.00K | 6.00K | -77.00K | 25.00K | ||
| Gain (Loss) on Sale of Investments | -5.51M | -92.00K | ||||
| Other Non-Interest Income | 680.00K | 578.00K | 863.00K | 907.00K | 519.00K | 1.96M |
| Total Non-Interest Income | 1.73M | 1.36M | -3.84M | 1.59M | 1.17M | 2.63M |
| Revenues Before Loan Losses | 14.53M | 11.15M | 5.71M | 9.29M | 8.50M | 9.53M |
| Provision for Loan Losses | -339.00K | 60.00K | 531.00K | 128.00K | -375.00K | -660.00K |
| Revenue | 14.87M | 11.09M | 5.17M | 9.17M | 8.88M | 10.19M |
| Salaries and Employee Benefits | 5.30M | 4.26M | 4.02M | 3.90M | 4.35M | 4.56M |
| Occupancy Expenses | 934.00K | 823.00K | 765.00K | 802.00K | 833.00K | 774.00K |
| Selling, General & Administrative | 4.14M | 2.63M | 3.22M | 2.87M | 2.54M | 1.68M |
| Other Non-Interest Expense | 1.25M | 963.00K | 1.08M | 929.00K | 996.00K | 694.00K |
| Total Non-Interest Expense | 11.66M | 8.58M | 9.16M | 8.58M | 8.72M | 7.79M |
| EBT Excluding Unusual Items | 3.21M | 2.50M | -3.98M | 587.00K | 159.00K | 2.40M |
| Pretax Income | 3.21M | 2.50M | -3.98M | 587.00K | 159.00K | 2.40M |
| Income Tax Expense | 694.00K | 452.00K | -894.00K | 61.00K | -21.00K | 484.00K |
| Net Income | 2.52M | 2.05M | -3.09M | 526.00K | 180.00K | 1.92M |
| Net Income to Common | 2.52M | 2.05M | -3.09M | 526.00K | 180.00K | 1.92M |
| Basic Shares Outstanding | 3.59M | 3.66M | 3.94M | 4.38M | 4.86M | 4.87M |
| Diluted Shares Outstanding | 3.65M | 3.67M | 3.94M | 4.39M | 4.86M | 4.87M |
| EPS (Basic) | 0.70 | 0.56 | -0.78 | 0.12 | 0.04 | 0.39 |
| EPS (Diluted) | 0.69 | 0.56 | -0.78 | 0.12 | 0.04 | 0.39 |
| Effective Tax Rate | 21.62% | 18.05% | 10.39% | 20.18% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 75.67M | 25.20M | 44.30M | 19.01M | 13.47M | 40.88M |
| Investment Securities | 128.49M | 17.64M | 16.92M | 28.37M | 30.72M | 28.97M |
| Mortgage-Backed Securities | 48.89M | 27.20M | 57.51M | 64.17M | 74.66M | |
| Total Investments | 128.49M | 66.52M | 44.12M | 85.88M | 94.89M | 103.63M |
| Gross Loans | 383.53M | 170.21M | 167.08M | 144.92M | 133.61M | 132.10M |
| Allowance for Loan Losses | -5.64M | -2.37M | -2.52M | -2.12M | -1.81M | -2.28M |
| Net Loans | 377.89M | 167.84M | 164.55M | 142.80M | 131.80M | 129.83M |
| Property, Plant & Equipment | 15.16M | 5.85M | 6.08M | 6.07M | 6.30M | 6.58M |
| Accrued Interest Receivable | 2.14M | 907.00K | 851.00K | 906.00K | 673.00K | 579.00K |
| Long-Term Deferred Tax Assets | 834.00K | 1.50M | ||||
| Other Real Estate Owned & Foreclosed | 34.00K | 194.00K | 60.00K | 320.00K | 340.00K | |
| Other Long-Term Assets | 20.40M | 15.73M | 15.10M | 16.21M | 15.91M | 3.77M |
| Total Assets | 631.23M | 282.93M | 276.70M | 270.93M | 263.36M | 285.61M |
| Interest Bearing Deposits | 386.25M | 135.80M | 140.09M | 126.24M | 122.54M | 132.00M |
| Institutional Deposits | 19.48M | 17.30M | 11.20M | 8.90M | 14.50M | |
| Non-Interest Bearing Deposits | 89.29M | 29.99M | 28.28M | 28.18M | 33.66M | 30.30M |
| Total Deposits | 475.55M | 185.27M | 185.67M | 165.62M | 165.09M | 176.79M |
| Current Portion of Long-Term Debt | 8.00M | |||||
| Federal Home Loan Bank Debt, Long-Term | 69.96M | 6.73M | 9.56M | 19.38M | 9.20M | 9.02M |
| Other Long-Term Liabilities | 3.76M | 1.20M | 1.26M | 1.37M | 558.00K | 1.24M |
| Total Liabilities | 549.27M | 201.20M | 196.49M | 186.37M | 174.85M | 187.06M |
| Common Stock | 41.00K | 41.00K | 43.00K | 48.00K | 53.00K | 53.00K |
| Additional Paid-In Capital | 37.13M | 37.36M | 39.56M | 45.02M | 51.06M | 50.80M |
| Retained Earnings | 53.97M | 51.91M | 49.86M | 52.95M | 52.78M | 52.56M |
| Comprehensive Income & Other | -9.19M | -7.59M | -9.26M | -13.46M | -15.38M | -4.86M |
| Shareholders' Equity | 81.95M | 81.72M | 80.20M | 84.56M | 88.51M | 98.55M |
| Total Liabilities & Equity | 631.23M | 282.93M | 276.70M | 270.93M | 263.36M | 285.61M |
| Total Debt | 69.96M | 14.73M | 9.56M | 19.38M | 9.20M | 9.02M |
| Net Cash (Debt) | 5.71M | 10.47M | 34.74M | -367.00K | 4.27M | 31.87M |
| Net Cash Per Share | 1.56 | 2.85 | 8.82 | -0.08 | 0.88 | 6.54 |
| Filing Date Shares Outstanding | 3.62M | 4.06M | 4.21M | 4.56M | 5.06M | 4.87M |
| Total Common Shares Outstanding | 3.62M | 3.74M | 3.92M | 4.39M | 4.89M | 4.87M |
| Book Value Per Share | 22.63 | 21.84 | 20.44 | 19.28 | 18.09 | 20.23 |
| Tangible Book Value | 70.48M | 81.72M | 80.20M | 84.56M | 88.51M | 98.55M |
| Tangible Book Value Per Share | 19.46 | 21.84 | 20.44 | 19.28 | 18.09 | 20.23 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 2.05M | -3.09M | 526.00K | 180.00K | 1.92M | |
| Depreciation & Amortization | 422.00K | 412.00K | 403.00K | 448.00K | 424.00K | |
| Gain (Loss) on Sale of Assets | 121.00K | 51.00K | 66.00K | 69.00K | 48.00K | |
| Gain (Loss) on Sale of Investments | 80.00K | 5.65M | 400.00K | 461.00K | 409.00K | |
| Provision for Credit Losses | 60.00K | 531.00K | 128.00K | -375.00K | -660.00K | |
| Change in Other Net Operating Assets | -291.00K | 68.00K | 26.00K | -325.00K | 982.00K | |
| Other Operating Activities | -54.00K | -1.26M | -310.00K | -158.00K | 237.00K | |
| Operating Cash Flow | 3.29M | 3.17M | 2.01M | 772.00K | 3.43M | |
| Capital Expenditures | -188.00K | -430.00K | -172.00K | -252.00K | -1.51M | |
| Sale of Property, Plant and Equipment | 12.00K | 25.00K | ||||
| Investment in Securities | -21.85M | 40.85M | 11.00M | -2.32M | -64.99M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -3.28M | -22.73M | -11.42M | -1.61M | 19.67M | |
| Other Investing Activities | 925.00K | 114.00K | 320.00K | -9.96M | 216.00K | |
| Investing Cash Flow | -24.39M | 17.82M | -267.00K | -14.14M | -46.59M | |
| Long-Term Debt Issued | 33.25M | 43.79M | 10.00M | |||
| Long-Term Debt Repaid | -28.25M | -53.79M | ||||
| Net Debt Issued (Repaid) | 5.00M | -10.00M | 10.00M | |||
| Issuance of Common Stock | 50.84M | |||||
| Repurchase of Common Stock | -2.59M | -5.76M | -6.73M | -2.34M | -4.23M | |
| Net Increase (Decrease) in Deposit Accounts | -400.00K | 20.05M | 528.00K | -11.70M | 12.20M | |
| Financing Cash Flow | 2.01M | 4.29M | 3.80M | -14.04M | 58.80M | |
| Net Cash Flow | -19.09M | 25.28M | 5.54M | -27.41M | 15.64M | |
| Free Cash Flow | 3.10M | 2.74M | 1.84M | 520.00K | 1.92M | |
| Free Cash Flow Margin | 27.95% | 53.00% | 20.03% | 5.86% | 18.80% | |
| Free Cash Flow Per Share | 0.84 | 0.70 | 0.42 | 0.11 | 0.39 | |
| Cash Interest Paid | 3.98M | 4.29M | 1.40M | 496.00K | 634.00K | |
| Cash Income Tax Paid | 116.00K | 200.00K | 243.00K | 82.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 70.20M | 65.53M | 51.78M | 52.69M | 61.81M | |
| Last Close Price | 17.35 | 15.75 | 11.77 | 10.84 | 12.70 | 13.67 |
| PE Ratio | 25.11 | 31.93 | 100.17 | 343.38 | ||
| PS Ratio | 4.72 | 5.91 | 10.01 | 5.75 | 6.96 | |
| PB Ratio | 0.77 | 0.80 | 0.65 | 0.62 | 0.70 | |
| P/FCF Ratio | 21.69 | 21.15 | 18.88 | 28.70 | 118.86 | |
| P/OCF Ratio | 21.09 | 19.94 | 16.32 | 26.24 | 80.06 | |
| Debt / Equity Ratio | 0.85 | 0.18 | 0.12 | 0.23 | 0.10 | 0.09 |
| Debt / FCF Ratio | 4.75 | 3.49 | 10.55 | 17.69 | 4.71 | |
| Net Debt / Equity Ratio | -0.07 | -0.13 | -0.43 | 0.00 | -0.05 | -0.32 |
| Net Debt / FCF Ratio | -3.38 | -12.67 | 0.20 | -8.22 | -16.63 | |
| Return on Equity (ROE) | 3.08% | 2.53% | -3.75% | 0.61% | 0.19% | 2.57% |
| Return on Assets (ROA) | 0.55% | 0.73% | -1.13% | 0.20% | 0.07% | 0.75% |
| Earnings Yield | 3.98% | 3.13% | -5.97% | 1.00% | 0.29% | |
| FCF Yield | 4.61% | 4.73% | 5.30% | 3.48% | 0.84% | |
| Buyback Yield / Dilution | 1.77% | 6.70% | 10.21% | 9.68% | 0.25% |