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CLSTCatalyst Bancorp, Inc.
$16.51$67M
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CLST logoCatalyst Bancorp, Inc.(CLST)Earnings, Financials & Key Ratios

CLST•NASDAQ•Banking & Credit
$16.51
29.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutCatalyst Bancorp, Inc. operates as a holding company for St. Landry Homestead Federal Savings Bank that provides banking products and services in the Acadiana region of south-central Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers one- to four-family residential mortgage, commercial real estate loans and multi-family residential, construction and land, commercial and industrial, and consumer loans. In addition, the company invests in various types of securities comprising mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. It operates through six full-service branches located in Carencro, Eunice, Lafayette, Opelousas, and Port Barre. The company was founded in 1922 and is headquartered in Opelousas, Louisiana.Show more
  • Net Interest Income$10M+2.6%
  • Total Revenue$15M+55.3%
  • Net Income$2M+166.4%
  • Return on Equity2.53%+167.6%
  • Net Interest Margin3.46%+0.3%
  • Efficiency Ratio56.52%-38.1%
  • ROA0.73%+165.0%
  • Equity / Assets28.89%-0.3%
  • Book Value per Share21.93+7.7%

CLST Price & Volume

Catalyst Bancorp, Inc. (CLST) stock price & volume — 10-year historical chart

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Excessive Capitalization Constrains Catalyst Bancorp Growth Potential

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Fortress
Cash Flow:Robust
Primary Risk:Geographic concentration credit exposure

Key Thesis Takeaways

  • Catalyst Bancorp maintains a fortress-like balance sheet with an equity-to-assets ratio of 0.28, yet this conservative posture appears to suppress return on equity, which has languished at 0.7% as of 2026Q1.
  • While management has successfully improved operational efficiency, evidenced by a reduction in the efficiency ratio from 64.1% in 2023Q4 to 58.2% in 2026Q1, the bank struggles to translate its liquidity into meaningful net interest income growth.
  • Investors should monitor the bank's heavy reliance on a securities portfolio that comprises over 75% of total assets, as this concentration may expose the firm to duration risk and limited yield expansion in the current interest rate environment.

Verdict Logic

while the bank demonstrates operational discipline with an efficiency ratio of 58.2%, the current 0.76 price-to-book valuation reflects the challenges of generating meaningful returns on equity, which currently sits at a modest 0.7%.

CLST Growth Metrics

Catalyst Bancorp, Inc. (CLST) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years10.55%
3 Years19.37%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years125.06%
TTM-7.41%

EPS CAGR

10 Years-
5 Years-
3 Years141.01%
TTM-1.79%

Return on Capital

10 Years0.37%
5 Years0.43%
3 Years-0.28%
Last Year2.65%

Latest CLST News

Recent stock market news and headlines for Catalyst Bancorp, Inc. (CLST)

Zacks Investment Research·5 days ago
Catalyst Climbs 33% in a Year: Should You Buy the Stock?

CLST is poised for growth, supported by a transformational acquisition, healthy liquidity, improving credit trends and an expanding commercial banking footprint.

GuruFocus·Jun 26, 2026
Catalyst Bancorp, Inc. and Lakeside Bancshares, Inc. Announce Shareholder and Regulatory Approvals for Pending Mergers

Catalyst Bancorp, Inc. and Lakeside Bancshares, Inc. Announce Shareholder and Regulatory Approvals for Pending Mergers PR Newsw

PRNewsWire·Jun 26, 2026
Catalyst Bancorp, Inc. and Lakeside Bancshares, Inc. Announce Shareholder and Regulatory Approvals for Pending Mergers

OPELOUSAS, La., June 26, 2026 /PRNewswire/ -- Catalyst Bancorp, Inc. (Nasdaq: "CLST") ("Catalyst"), the parent company for Catalyst Bank (www.catalystbank.com), and Lakeside Bancshares, Inc. (OTC Markets: "LKSB") ("Lakeside"), the parent company for Lakeside Bank, announced today that Lakeside shareholders have approved the pending merger with Catalyst and all required regulatory approvals have been obtained with respect to the previously announced mergers.

Zacks Investment Research·Jun 22, 2026
2 Outperform Regional Banks

CLST and LARK appear to have solid growth catalysts at reasonable valuations.

Zacks Investment Research·Jun 19, 2026
Zacks Initiates Coverage of Catalyst With Outperform Recommendation

Explore why Zacks initiated coverage on CLST with an "Outperform" rating, being the first on Wall Street to initiate coverage on the stock. Discover how a transformative acquisition, strengthening liquidity and solid credit quality could support long-term shareholder value creation.

Peers Comparison

Key metrics vs top competitors for Catalyst Bancorp, Inc. (CLST)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CLST logoCLSTCatalyst Bancorp, Inc.Current
$16.51$66.9M29.4855.33%13.38%2.53%—
LKFN logoLKFNLakeland Financial Corporation
$61.57$1.53B15.35-1.93%25.81%14.79%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
HOMB logoHOMBHome Bancshares, Inc.
$28.66$5.77B11.89-5.35%34.84%11.29%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
FBIZ logoFBIZFirst Business Financial Services, Inc.
$63.34$528.43M10.456.43%18.74%14.12%—

Compare CLST vs Peers

Catalyst Bancorp, Inc. (CLST) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs LKFN

Most directly comparable listed peer for CLST.

Scale Benchmark

vs NDAQ

Larger-name benchmark to compare CLST against a more recognizable public peer.

Peer Set

Compare Top 5

vs LKFN, FFIN, HOMB, SFNC

CLST SEC Filings & Documents

Catalyst Bancorp, Inc. (CLST) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 21, 2026·SEC

Material company update

Apr 30, 2026·SEC

Material company update

Apr 8, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 31, 2026·SEC

FY 2025

Mar 28, 2025·SEC

FY 2024

Mar 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 15, 2026·SEC

FY 2025

Nov 13, 2025·SEC

FY 2025

Aug 13, 2025·SEC

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CLST Frequently Asked Questions

Catalyst Bancorp, Inc. (CLST) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Catalyst Bancorp, Inc. growing?

Catalyst Bancorp, Inc. (CLST) grew revenue by 55.3% over the past year. This is strong growth.

Is CLST profitable?

Yes, Catalyst Bancorp, Inc. (CLST) is profitable, generating $2.0M in net income for fiscal year 2025 (13.4% net margin).

Dividend & Returns
What is CLST's return on equity?

Catalyst Bancorp, Inc. (CLST) has a return on equity (ROE) of 2.5%. This is below average, suggesting room for improvement.

Industry Metrics
What is Catalyst Bancorp, Inc.'s net interest margin?

Catalyst Bancorp, Inc. (CLST) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

What is Catalyst Bancorp, Inc.'s efficiency ratio?

Catalyst Bancorp, Inc. (CLST) has an efficiency ratio of 56.5%. This is reasonable for a bank.

What if you invested $1,000 in CLST back in 2019?

Total return calculator · dividends reinvested · 7+ years of data

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