Latest Ratios: P/E Ratio 29.5x · EV/EBITDA 19.3x · ROE 2.5%. (2019–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $67M | $59M | $46M | $47M | $57M | $66M | — | — |
| Enterprise Value | $56M | $48M | $12M | $37M | $44M | $25M | — | — |
| P/E Ratio → | 29.48 | 28.12 | — | 90.33 | 317.50 | 34.17 | — | — |
| P/S Ratio | 4.36 | 3.83 | 4.69 | 4.24 | 6.34 | 6.52 | — | — |
| P/B Ratio | 0.75 | 0.72 | 0.58 | 0.55 | 0.65 | 0.67 | — | — |
| P/FCF | 21.59 | 18.94 | 16.91 | 25.39 | 109.90 | 34.37 | — | — |
| P/OCF | 20.35 | 17.85 | 14.62 | 23.21 | 74.03 | 19.21 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.14 | 1.18 | 3.36 | 4.84 | 2.47 | — | — |
| EV / EBITDA | 19.28 | 16.48 | — | 37.35 | 71.96 | 8.85 | — | — |
| EV / EBIT | 22.53 | 19.25 | — | 63.00 | 274.70 | 10.41 | — | — |
| EV / FCF | — | 15.56 | 4.24 | 20.14 | 84.00 | 13.03 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 72.8% | 72.8% | 50.9% | 81.1% | 96.6% | 98.7% | 71.0% | 78.7% |
| Operating Margin | 16.3% | 16.3% | -40.3% | 5.3% | 1.8% | 23.8% | -12.7% | 17.8% |
| Net Profit Margin | 13.4% | 13.4% | -31.3% | 4.8% | 2.0% | 19.0% | -7.6% | 14.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | 2.5% | 2.5% | -3.7% | 0.6% | 0.2% | 2.6% | -1.4% | 2.6% |
| ROA | 0.7% | 0.7% | -1.1% | 0.2% | 0.1% | 0.8% | -0.3% | 0.6% |
| ROIC | 2.0% | 2.0% | -3.3% | 0.5% | 0.1% | 2.4% | -1.7% | 2.4% |
| ROCE | 2.7% | 2.7% | -4.1% | 0.6% | 0.2% | 2.8% | -1.7% | 2.2% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.12 | 0.11 | — | — | — | — |
| Debt / EBITDA | 5.03 | 5.03 | — | 9.47 | — | — | — | — |
| Net Debt / Equity | — | -0.13 | -0.43 | -0.11 | -0.15 | -0.41 | -0.50 | -0.35 |
| Net Debt / EBITDA | -3.58 | -3.58 | — | -9.73 | -22.19 | -14.48 | — | -9.17 |
| Debt / FCF | — | -3.38 | -12.67 | -5.25 | -25.91 | -21.34 | -81.44 | — |
| Interest Coverage | 0.61 | 0.61 | -0.92 | 0.30 | 0.23 | 3.02 | -0.69 | 0.87 |
Net cash position: cash ($25M) exceeds total debt ($15M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.40 | 0.40 | 0.24 | 0.13 | 0.57 | 0.73 | 0.28 | 0.23 |
| Quick Ratio | 0.40 | 0.40 | 0.24 | 0.13 | 0.57 | 0.73 | 0.28 | 0.23 |
| Cash Ratio | 0.14 | 0.14 | 0.24 | 0.11 | 0.08 | 0.23 | 0.15 | 0.13 |
| Asset Turnover | — | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.4% | 3.6% | — | 1.1% | 0.3% | 2.9% | — | — |
| FCF Yield | 4.6% | 5.3% | 5.9% | 3.9% | 0.9% | 2.9% | — | — |
| Buyback Yield | 3.9% | 4.4% | 12.4% | 13.5% | 4.1% | 0.0% | — | — |
| Total Shareholder Yield | 3.9% | 4.4% | 12.4% | 13.5% | 4.1% | 0.0% | — | — |
| Shares Outstanding | — | $4M | $4M | $4M | $5M | $5M | $5M | $5M |
Geographic concentration credit exposure
Based on recent financial data, Catalyst Bancorp trades at a P/B ratio of 0.76, which, according to market observations, suggests that investors are heavily discounting the bank's tangible book value due to its persistent inability to generate competitive returns on its substantial excess capital reserves.
The current P/B multiple indicates that the market views the bank as a commodity balance sheet rather than a growth franchise, likely due to the ROE hovering near 0.6-0.7%. Investors appear to be pricing in the structural drag caused by the bank's fortress-like equity-to-assets ratio, which limits the potential for meaningful earnings per share expansion.
As reported in quarterly filings, the bank's ROE has remained stagnant between 0.5% and 0.8% over the last ten quarters, a trend that, based on DuPont analysis, indicates that the bank's profitability is severely hampered by an over-capitalized balance sheet and limited asset utilization.
The decomposition of ROE reveals that the bank's reliance on equity rather than leverage prevents the scaling of returns, even as the efficiency ratio improves. This suggests that until management can deploy the $25.2 million cash pile into higher-yielding loans, the return on tangible equity will likely remain suppressed relative to regional peers.
According to historical performance metrics, the net interest margin has remained anchored at 0.9% since 2024Q3, which, as indicated by the bank's financial statements, highlights a structural difficulty in expanding interest spreads despite the bank's significant liquidity and the prevailing interest rate environment.
While the efficiency ratio has trended downward toward 58.2%, the lack of NIM expansion suggests that cost control alone is insufficient to drive profitability. The bank appears to be struggling to transition from a securities-heavy portfolio to a more profitable loan-centric model, which warrants further investigation into its competitive positioning.
Based on the provided quarterly data, the bank maintains an equity-to-assets ratio near 0.30, a level that, as noted in recent filings, significantly exceeds regulatory minimums and suggests a fortress-like capital position that is currently acting as a drag on shareholder return metrics.
The bank's capital adequacy is clearly not a constraint on growth, but rather a symptom of its inability to deploy capital effectively. Investors should monitor whether management continues to prioritize share buybacks to artificially boost EPS or if they will eventually pivot toward more aggressive loan book expansion.
The P/E ratio of 29.89 is the most commonly misapplied metric for Catalyst Bancorp, as it fails to account for the bank's massive excess capital and the volatility of loan loss provisions, which, according to standard banking analysis, obscures the true underlying earnings power of the institution.
Using P/E for a bank with such a high equity-to-assets ratio ignores the fact that the denominator is artificially depressed by the bank's conservative capital structure. Analysts should instead focus on P/TBV and ROE to better understand the bank's valuation relative to its tangible assets and its ability to generate returns on that capital.
Includes 30+ ratios · 7 years · Updated daily
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Quick answers to the most common questions about buying CLST stock.
Catalyst Bancorp, Inc.'s current P/E ratio is 29.5x. The historical average is 50.9x. This places it at the 33th percentile of its historical range.
Catalyst Bancorp, Inc.'s current EV/EBITDA is 19.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 33.7x.
Catalyst Bancorp, Inc.'s return on equity (ROE) is 2.5%. The historical average is 0.5%.
Based on historical data, Catalyst Bancorp, Inc. is trading at a P/E of 29.5x. This is at the 33th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Catalyst Bancorp, Inc. has 72.8% gross margin and 16.3% operating margin. Operating margin between 10-20% is typical for established companies.
Catalyst Bancorp, Inc.'s Debt/EBITDA ratio is 5.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.