Catalyst Bancorp (CLST) Financials

$17.11 -0.17 (-0.98%)

As of 07/20/2026 04:00 PM Eastern

Annual Income Statements for Catalyst Bancorp

This table shows Catalyst Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-0.70	1.92	0.18	0.53	-3.09	2.05
Consolidated Net Income / (Loss)	-0.70	1.92	0.18	0.53	-3.09	2.05
Net Income / (Loss) Continuing Operations	-0.70	1.92	0.18	0.53	-3.09	2.05
Total Pre-Tax Income	-1.18	2.40	0.16	0.59	-3.98	2.50
Total Revenue	7.75	9.53	8.50	9.29	5.71	11
Net Interest Income / (Expense)	6.79	6.90	7.33	7.71	9.55	9.79
Total Interest Income	8.49	7.70	8.01	9.66	14	14
Loans and Leases Interest Income	7.83	6.97	6.13	7.24	10	11
Investment Securities Interest Income	0.57	0.67	1.48	1.64	1.06	1.43
Deposits and Money Market Investments Interest Income	-	-	-	0.71	2.59	1.25
Other Interest Income	0.10	0.06	0.41	0.07	0.09	0.06
Total Interest Expense	1.71	0.80	0.68	1.96	4.32	4.11
Deposits Interest Expense	0.92	0.52	0.40	1.64	3.23	3.79
Long-Term Debt Interest Expense	0.79	0.27	0.28	0.32	1.09	0.32
Total Non-Interest Income	0.97	2.63	1.17	1.59	-3.84	1.36
Service Charges on Deposit Accounts	0.58	0.64	0.73	0.77	0.80	0.78
Other Service Charges	0.10	0.04	0.03	0.06	0.12	0.08
Net Realized & Unrealized Capital Gains on Investments	0.02	0.03	-0.08	-0.09	-5.50	-0.00
Other Non-Interest Income	0.27	1.92	0.49	0.85	0.74	0.49
Provision for Credit Losses	0.99	-0.66	-0.38	0.13	0.53	0.06
Total Non-Interest Expense	7.94	7.79	8.72	8.58	9.16	8.58
Salaries and Employee Benefits	3.64	4.63	4.82	4.67	4.83	5.15
Net Occupancy & Equipment Expense	1.29	1.55	1.67	1.71	2.11	1.54
Marketing Expense	0.09	0.04	0.24	0.10	0.13	0.13
Other Operating Expenses	2.92	1.50	1.85	1.99	2.08	1.76
Income Tax Expense	-0.47	0.48	-0.02	0.06	-0.89	0.45
Basic Earnings per Share	$0.00	$0.39	$0.04	$0.12	($0.78)	$0.56
Weighted Average Basic Shares Outstanding	-	5.29M	5.06M	4.56M	4.21M	4.06M
Diluted Earnings per Share	-	$0.00	$0.04	$0.12	($0.78)	$0.56
Weighted Average Diluted Shares Outstanding	-	5.29M	5.06M	4.56M	4.21M	4.06M
Weighted Average Basic & Diluted Shares Outstanding	-	5.29M	5.06M	4.56M	4.21M	4.06M

This table shows Catalyst Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	0.15	0.29	-4.69	0.53	0.45	0.63	0.59	0.52	0.49	0.46	0.56
Consolidated Net Income / (Loss)	0.15	0.29	-4.69	0.53	0.45	0.63	0.59	0.52	0.49	0.46	0.56
Net Income / (Loss) Continuing Operations	0.15	0.29	-4.69	0.53	0.45	0.63	0.59	0.52	0.49	0.46	0.56
Total Pre-Tax Income	0.17	0.34	-5.96	0.65	0.56	0.77	0.72	0.63	0.60	0.55	0.68
Total Revenue	2.25	2.59	-3.07	2.81	3.15	2.81	2.70	2.81	2.77	2.65	2.90
Net Interest Income / (Expense)	1.95	1.92	2.09	2.45	2.53	2.47	2.37	2.47	2.45	2.51	2.55
Total Interest Income	2.47	2.60	3.16	3.53	3.67	3.51	3.37	3.46	3.51	3.55	3.57
Loans and Leases Interest Income	1.85	2.07	2.21	2.38	2.72	2.81	2.74	2.79	2.82	2.82	2.75
Investment Securities Interest Income	0.40	0.40	0.33	0.21	0.26	0.27	0.28	0.29	0.35	0.51	0.52
Deposits and Money Market Investments Interest Income	-	-	0.59	0.91	0.68	0.40	0.34	0.35	0.35	0.22	0.29
Other Interest Income	0.21	-0.57	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.01
Total Interest Expense	0.52	0.69	1.06	1.08	1.14	1.04	1.01	0.99	1.06	1.04	1.03
Deposits Interest Expense	0.45	0.57	0.77	0.77	0.83	0.86	0.94	0.93	0.98	0.94	0.94
Long-Term Debt Interest Expense	0.07	0.11	0.29	0.31	0.31	0.18	0.07	0.07	0.08	0.10	0.09
Total Non-Interest Income	0.31	0.67	-5.16	0.37	0.62	0.34	0.34	0.34	0.32	0.15	0.35
Service Charges on Deposit Accounts	0.19	0.20	0.20	0.19	0.20	0.20	0.20	0.20	0.17	0.21	0.20
Other Service Charges	0.01	0.02	0.02	0.06	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Other Non-Interest Income	0.10	0.55	0.11	0.11	0.40	0.12	0.12	0.12	0.12	0.13	0.13
Provision for Credit Losses	0.00	0.13	0.10	0.10	0.34	-	0.00	0.00	-0.04	0.10	-0.07
Total Non-Interest Expense	2.08	2.12	2.79	2.07	2.26	2.04	1.98	2.18	2.20	2.01	2.28
Salaries and Employee Benefits	1.14	1.15	1.26	1.14	1.20	1.23	1.25	1.26	1.31	1.33	1.32
Net Occupancy & Equipment Expense	0.43	0.43	0.99	0.32	0.43	0.37	0.38	0.38	0.40	0.38	0.39
Marketing Expense	0.03	0.02	0.04	0.04	0.03	0.02	0.04	0.02	0.04	0.04	0.03
Other Operating Expenses	0.46	0.50	0.50	0.56	0.60	0.42	0.32	0.51	0.46	0.26	0.54
Income Tax Expense	0.02	0.05	-1.27	0.12	0.11	0.15	0.13	0.11	0.11	0.10	0.13
Basic Earnings per Share	$0.03	$0.07	($1.15)	$0.13	$0.11	$0.13	$0.16	$0.14	$0.13	$0.13	$0.16
Weighted Average Basic Shares Outstanding	4.77M	4.56M	4.53M	4.44M	4.34M	4.21M	4.18M	4.14M	4.11M	4.06M	4.05M
Diluted Earnings per Share	$0.03	$0.07	($1.15)	$0.13	$0.11	$0.13	$0.16	$0.14	$0.13	$0.13	$0.15
Weighted Average Diluted Shares Outstanding	4.77M	4.56M	4.53M	4.44M	4.34M	4.21M	4.18M	4.14M	4.11M	4.06M	4.05M
Weighted Average Basic & Diluted Shares Outstanding	4.77M	4.56M	4.53M	4.44M	4.34M	4.21M	4.18M	4.14M	4.11M	4.06M	4.05M

This table details how cash moves in and out of Catalyst Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	7.34	16	-27	5.54	25	-19
Net Cash From Operating Activities	0.86	3.43	0.77	2.01	3.17	3.29
Net Cash From Continuing Operating Activities	0.86	3.43	0.77	2.01	3.17	3.29
Net Income / (Loss) Continuing Operations	-0.70	1.92	0.18	0.53	-3.09	2.05
Consolidated Net Income / (Loss)	-0.70	1.92	0.18	0.53	-3.09	2.05
Provision For Loan Losses	0.99	-0.66	-0.38	0.13	0.53	0.06
Depreciation Expense	0.35	0.42	0.45	0.40	0.41	0.42
Amortization Expense	0.22	0.59	0.64	0.49	0.32	0.25
Non-Cash Adjustments to Reconcile Net Income	0.16	0.18	0.20	0.44	4.93	0.79
Changes in Operating Assets and Liabilities, net	-0.15	0.98	-0.33	0.03	0.07	-0.29
Net Cash From Investing Activities	-0.31	-47	-14	-0.27	18	-24
Net Cash From Continuing Investing Activities	-0.31	-47	-14	-0.27	18	-24
Purchase of Property, Leasehold Improvements and Equipment	-0.55	-1.51	-0.25	-0.17	-0.43	-0.19
Purchase of Investment Securities	-35	-58	-25	-11	-31	-30
Sale of Property, Leasehold Improvements and Equipment	0.02	0.03	-	0.00	0.01	0.00
Sale and/or Maturity of Investments	35	13	11	11	49	5.87
Net Cash From Financing Activities	6.79	59	-14	3.80	4.30	2.01
Net Cash From Continuing Financing Activities	6.79	59	-14	3.80	4.30	2.01
Net Change in Deposits	23	12	-12	0.53	20	-0.40
Issuance of Debt	-	-	0.00	-	44	33
Repayment of Debt	-16	-4.23	0.00	10	-54	-28
Repurchase of Common Equity	-	0.00	0.00	-6.32	-5.76	-2.59
Cash Interest Paid	1.77	0.63	0.50	1.40	4.29	3.98
Cash Income Taxes Paid	0.08	0.08	0.24	0.00	0.20	0.12

This table details how cash moves in and out of Catalyst Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-6.53	5.75	57	-0.56	-30	-1.46	-3.98	-0.26	-2.79	-12	13
Net Cash From Operating Activities	0.54	0.93	0.25	1.39	0.90	0.64	0.43	1.15	0.91	0.80	0.66
Net Cash From Continuing Operating Activities	0.54	0.93	0.25	1.39	0.90	0.64	0.43	1.15	0.91	0.80	0.66
Net Income / (Loss) Continuing Operations	0.15	0.31	-4.69	0.53	0.45	0.63	0.59	0.52	0.49	0.46	0.56
Consolidated Net Income / (Loss)	0.15	0.31	-4.69	0.53	0.45	0.63	0.59	0.52	0.49	0.46	0.56
Provision For Loan Losses	-	0.13	0.10	0.10	0.34	-	0.00	-	-0.04	0.10	-0.07
Depreciation Expense	0.10	0.10	0.10	0.10	0.10	0.11	0.10	0.11	0.11	0.11	0.11
Amortization Expense	0.12	0.12	0.10	0.07	0.08	0.07	0.06	0.07	0.06	0.06	0.04
Non-Cash Adjustments to Reconcile Net Income	0.09	0.23	4.30	0.21	0.21	0.21	0.22	0.17	0.21	0.19	0.21
Changes in Operating Assets and Liabilities, net	0.08	0.05	0.34	0.38	-0.28	-0.37	-0.55	0.29	0.08	-0.11	-0.19
Net Cash From Investing Activities	0.09	-4.61	45	-12	-16	1.08	1.54	-2.28	-13	-11	7.83
Net Cash From Continuing Investing Activities	0.09	-4.61	45	-12	-16	1.08	1.54	-2.28	-13	-11	7.83
Purchase of Property, Leasehold Improvements and Equipment	-0.15	-0.01	-0.02	-0.23	-0.13	-0.06	-0.07	-0.03	-0.09	-0.00	-0.00
Purchase of Investment Securities	-2.16	-9.40	0.00	-12	-18	-1.22	-1.27	-2.10	-14	-13	-0.82
Sale and/or Maturity of Investments	2.40	4.80	45	-0.44	1.72	2.36	2.87	-0.15	0.97	2.19	8.65
Net Cash From Financing Activities	-7.15	9.42	12	10	-14	-3.18	-5.94	0.87	8.99	-1.91	4.84
Net Cash From Continuing Financing Activities	-7.15	9.42	12	10	-14	-3.18	-5.94	0.87	8.99	-1.91	4.84
Net Change in Deposits	-6.15	0.40	4.02	10	-13	18	-5.08	1.61	4.16	-1.10	10
Issuance of Debt	-	-	10	-	-	-	0.00	-	-	28	4.00
Repayment of Debt	-	-	-	-	-35	-20	0.00	-	-0.00	-28	-9.00
Repurchase of Common Equity	-1.00	-0.98	-2.46	-0.95	-0.93	-1.42	-0.87	-0.74	-0.17	-0.81	-0.26
Cash Interest Paid	0.38	0.49	0.66	0.81	1.08	1.74	1.01	0.96	0.98	1.03	1.03

This table presents Catalyst Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	225	286	263	271	277	283
Cash and Due from Banks	5.51	4.93	5.09	3.65	4.08	4.13
Interest Bearing Deposits at Other Banks	20	36	8.38	15	40	21
Trading Account Securities	38	102	93	84	42	65
Loans and Leases, Net of Allowance	-3.02	-2.28	132	143	165	168
Loans and Leases	-	-	134	145	167	170
Allowance for Loan and Lease Losses	3.02	2.28	1.81	2.12	2.52	2.37
Premises and Equipment, Net	5.49	6.58	6.30	6.07	6.09	5.85
Other Assets	159	136	19	19	20	19
Total Liabilities & Shareholders' Equity	225	286	263	271	277	283
Total Liabilities	174	187	175	186	196	201
Non-Interest Bearing Deposits	26	30	34	28	28	30
Interest Bearing Deposits	138	146	131	137	157	155
Long-Term Debt	8.84	9.02	9.20	19	9.56	15
Other Long-Term Liabilities	0.72	1.24	0.56	1.37	1.26	1.20
Commitments & Contingencies	-	-	-	-	-	0.00
Total Equity & Noncontrolling Interests	51	99	89	85	80	82
Total Preferred & Common Equity	51	99	89	85	80	82
Preferred Stock	-	0.00	0.00	0.00	0.00	0.00
Total Common Equity	51	99	89	85	80	82
Common Stock	-	51	51	45	40	37
Retained Earnings	50	53	53	53	50	52
Accumulated Other Comprehensive Income / (Loss)	0.11	-0.68	-9.07	-7.24	-3.56	-2.41
Other Equity Adjustments	-	-4.18	-6.31	-6.22	-5.70	-5.18

This table presents Catalyst Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	258	282	295	281	272	274	284	289
Cash and Due from Banks	3.50	3.12	4.95	3.63	4.13	4.02	4.52	4.90
Interest Bearing Deposits at Other Banks	9.77	73	71	42	36	36	33	34
Trading Account Securities	85	39	43	46	43	44	60	63
Loans and Leases, Net of Allowance	134	141	151	163	164	165	162	161
Loans and Leases	136	143	153	166	166	168	165	164
Allowance for Loan and Lease Losses	2.04	2.07	2.22	2.41	2.50	2.43	2.40	2.30
Premises and Equipment, Net	6.16	6.00	6.11	6.14	6.05	5.98	5.95	5.75
Other Assets	20	20	20	20	18	18	18	20
Total Liabilities & Shareholders' Equity	258	282	295	281	272	274	284	289
Total Liabilities	176	201	214	199	191	193	202	206
Non-Interest Bearing Deposits	33	29	30	28	26	31	28	35
Interest Bearing Deposits	132	141	150	140	155	151	159	161
Long-Term Debt	9.33	29	30	30	9.60	9.65	15	9.76
Other Long-Term Liabilities	1.15	1.63	3.99	2.00	0.86	1.13	1.18	1.17
Commitments & Contingencies	-	-	-	-	-	-	-	0.00
Total Equity & Noncontrolling Interests	82	81	81	82	81	81	82	82
Total Preferred & Common Equity	82	81	81	82	81	81	82	82
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	82	81	81	82	81	81	82	82
Common Stock	46	43	42	41	39	38	38	37
Retained Earnings	53	48	49	49	50	51	51	52
Accumulated Other Comprehensive Income / (Loss)	-10	-3.60	-3.62	-2.68	-3.09	-2.87	-2.65	-2.48
Other Equity Adjustments	-6.27	-6.17	-6.12	-5.78	-5.65	-5.60	-5.26	-5.13

This table displays calculated financial ratios and metrics derived from Catalyst Bancorp's official financial filings.

Metric	2020	2021	2022	2023	2024	2025
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	5,290,000.00	5,290,000.00	4,769,155.00	4,342,427.00	4,113,660.00
DEI Adjusted Shares Outstanding	0.00	5,290,000.00	5,290,000.00	4,769,155.00	4,342,427.00	4,113,660.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	0.36	0.03	0.11	-0.71	0.50
Growth Metrics	-	-	-	-	-	-
Revenue Growth	0.00%	22.95%	-10.77%	9.29%	-38.62%	95.41%
EBITDA Growth	0.00%	662.11%	-63.42%	18.43%	-319.96%	197.82%
EBIT Growth	0.00%	303.82%	-93.37%	269.18%	-778.53%	162.87%
NOPAT Growth	0.00%	332.43%	-90.60%	192.22%	-630.06%	173.60%
Net Income Growth	0.00%	372.40%	-90.60%	192.22%	-687.26%	166.43%
EPS Growth	0.00%	0.00%	0.00%	200.00%	-750.00%	171.79%
Operating Cash Flow Growth	0.00%	300.00%	-77.48%	160.10%	57.97%	3.63%
Free Cash Flow Firm Growth	0.00%	0.00%	121.69%	-156.78%	299.74%	-140.77%
Invested Capital Growth	0.00%	81.18%	-9.17%	6.37%	-13.64%	7.46%
Revenue Q/Q Growth	0.00%	0.00%	3.28%	4.36%	4.01%	-1.38%
EBITDA Q/Q Growth	0.00%	0.00%	6.39%	8.68%	10.59%	-6.64%
EBIT Q/Q Growth	0.00%	0.00%	218.00%	31.32%	9.78%	-8.08%
NOPAT Q/Q Growth	0.00%	0.00%	125.00%	27.98%	9.78%	-7.65%
Net Income Q/Q Growth	0.00%	0.00%	125.00%	27.98%	9.92%	-7.65%
EPS Q/Q Growth	0.00%	0.00%	0.00%	100.00%	7.14%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	170.35%	-40.48%	36.23%	-8.48%	5.15%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	-177.55%	150.10%	-127.11%
Invested Capital Q/Q Growth	0.00%	0.00%	-0.78%	13.54%	-19.26%	0.19%
Profitability Metrics	-	-	-	-	-	-
EBITDA Margin	-7.83%	35.80%	14.68%	15.90%	-56.99%	28.53%
EBIT Margin	-15.19%	25.17%	1.87%	6.32%	-69.82%	22.46%
Profit (Net Income) Margin	-9.07%	20.09%	2.12%	5.66%	-54.15%	18.41%
Tax Burden Percent	59.73%	79.82%	113.21%	89.61%	77.55%	81.95%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	0.00%	20.18%	-13.21%	10.39%	0.00%	18.05%
Return on Invested Capital (ROIC)	-1.39%	2.29%	0.18%	0.52%	-2.88%	2.20%
ROIC Less NNEP Spread (ROIC-NNEP)	-0.02%	2.29%	0.18%	0.52%	-4.96%	2.20%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.27%	0.02%	0.09%	-0.87%	0.33%
Return on Equity (ROE)	-1.39%	2.57%	0.19%	0.61%	-3.75%	2.53%
Cash Return on Invested Capital (CROIC)	0.00%	-55.45%	9.78%	-5.65%	11.76%	-4.99%
Operating Return on Assets (OROA)	-0.52%	0.94%	0.06%	0.22%	-1.45%	0.89%
Return on Assets (ROA)	-0.31%	0.75%	0.07%	0.20%	-1.13%	0.73%
Return on Common Equity (ROCE)	-1.39%	2.57%	0.19%	0.61%	-3.75%	2.53%
Return on Equity Simple (ROE_SIMPLE)	-1.39%	1.94%	0.20%	0.62%	-3.85%	2.51%
Net Operating Profit after Tax (NOPAT)	-0.82	1.92	0.18	0.53	-2.79	2.05
NOPAT Margin	-10.63%	20.09%	2.12%	5.66%	-48.87%	18.41%
Net Nonoperating Expense Percent (NNEP)	-1.37%	0.00%	0.00%	0.00%	2.08%	0.00%
SG&A Expenses to Revenue	64.77%	65.32%	79.21%	69.77%	123.98%	61.22%
Operating Expenses to Revenue	102.48%	81.75%	102.54%	92.31%	160.51%	77.00%
Earnings before Interest and Taxes (EBIT)	-1.18	2.40	0.16	0.59	-3.98	2.50
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-0.61	3.41	1.25	1.48	-3.25	3.18
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	1.05	0.73	0.76	0.61	0.64	0.79
Price to Tangible Book Value (P/TBV)	1.05	0.73	0.76	0.61	0.64	0.79
Price to Revenue (P/Rev)	6.82	7.59	7.90	5.56	8.96	5.81
Price to Earnings (P/E)	0.00	37.76	373.24	98.28	0.00	31.57
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	2.65%	0.27%	1.02%	0.00%	3.17%
Enterprise Value to Invested Capital (EV/IC)	0.61	0.38	0.64	0.50	0.18	0.56
Enterprise Value to Revenue (EV/Rev)	4.71	4.24	7.40	5.60	2.87	4.87
Enterprise Value to EBITDA (EV/EBITDA)	0.00	11.85	50.41	35.23	0.00	17.08
Enterprise Value to EBIT (EV/EBIT)	0.00	16.86	395.65	88.70	0.00	21.69
Enterprise Value to NOPAT (EV/NOPAT)	0.00	21.12	349.49	98.98	0.00	26.47
Enterprise Value to Operating Cash Flow (EV/OCF)	42.58	11.80	81.49	25.93	5.16	16.52
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	6.27	0.00	1.44	0.00
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	0.17	0.09	0.10	0.23	0.12	0.18
Long-Term Debt to Equity	0.17	0.09	0.10	0.23	0.12	0.18
Financial Leverage	0.17	0.12	0.10	0.17	0.18	0.15
Leverage Ratio	4.45	3.42	2.93	3.09	3.32	3.46
Compound Leverage Factor	4.45	3.42	2.93	3.09	3.32	3.46
Debt to Total Capital	14.89%	8.38%	9.41%	18.64%	10.65%	15.27%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	14.89%	8.38%	9.41%	18.64%	10.65%	15.27%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	85.11%	91.62%	90.59%	81.36%	89.35%	84.73%
Debt to EBITDA	-14.56	2.64	7.37	13.11	-2.94	4.63
Net Debt to EBITDA	27.03	-9.34	-3.42	0.25	10.69	-3.29
Long-Term Debt to EBITDA	-14.56	2.64	7.37	13.11	-2.94	4.63
Debt to NOPAT	-10.73	4.71	51.10	36.84	-3.43	7.18
Net Debt to NOPAT	19.91	-16.64	-23.74	0.70	12.46	-5.10
Long-Term Debt to NOPAT	-10.73	4.71	51.10	36.84	-3.43	7.18
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-46	10	-5.70	11	-4.64
Operating Cash Flow to CapEx	161.39%	230.53%	306.35%	1,167.44%	758.85%	1,748.40%
Free Cash Flow to Firm to Interest Expense	0.00	-58.22	14.70	-2.91	2.64	-1.13
Operating Cash Flow to Interest Expense	0.50	4.31	1.13	1.03	0.73	0.80
Operating Cash Flow Less CapEx to Interest Expense	0.19	2.44	0.76	0.94	0.64	0.75
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.03	0.04	0.03	0.03	0.02	0.04
Fixed Asset Turnover	1.41	1.58	1.32	1.50	0.94	1.87
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	59	108	98	104	90	96
Invested Capital Turnover	0.13	0.11	0.08	0.09	0.06	0.12
Increase / (Decrease) in Invested Capital	0.00	48	-9.86	6.23	-14	6.70
Enterprise Value (EV)	36	40	63	52	16	54
Market Capitalization	53	72	67	52	51	65
Book Value per Share	$9.55	$18.63	$16.73	$17.73	$18.47	$19.87
Tangible Book Value per Share	$9.55	$18.63	$16.73	$17.73	$18.47	$19.87
Total Capital	59	108	98	104	90	96
Total Debt	8.84	9.02	9.20	19	9.56	15
Total Long-Term Debt	8.84	9.02	9.20	19	9.56	15
Net Debt	-16	-32	-4.27	0.37	-35	-10
Capital Expenditures (CapEx)	0.53	1.49	0.25	0.17	0.42	0.19
Net Nonoperating Expense (NNE)	-0.12	0.00	0.00	0.00	0.30	0.00
Net Nonoperating Obligations (NNO)	8.84	9.02	9.20	19	9.56	15
Total Depreciation and Amortization (D&A)	0.57	1.01	1.09	0.89	0.73	0.68
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.40	$0.04	$0.14	($0.78)	$0.56
Adjusted Weighted Average Basic Shares Outstanding	0.00	5.29M	5.06M	4.56M	4.21M	4.06M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.04	$0.14	($0.78)	$0.56
Adjusted Weighted Average Diluted Shares Outstanding	0.00	5.29M	5.06M	4.56M	4.21M	4.06M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	5.29M	5.06M	4.56M	4.21M	4.06M
Normalized Net Operating Profit after Tax (NOPAT)	-0.82	1.92	0.11	0.53	-2.79	2.05
Normalized NOPAT Margin	-10.63%	20.09%	1.31%	5.66%	-48.87%	18.41%
Pre Tax Income Margin	-15.19%	25.17%	1.87%	6.32%	-69.82%	22.46%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	-0.69	3.02	0.23	0.30	-0.92	0.61
NOPAT to Interest Expense	-0.48	2.41	0.26	0.27	-0.65	0.50
EBIT Less CapEx to Interest Expense	-1.00	1.15	-0.14	0.21	-1.02	0.56
NOPAT Less CapEx to Interest Expense	-0.79	0.54	-0.11	0.18	-0.74	0.45
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	1,200.57%	-186.37%	126.02%

This table displays calculated financial ratios and metrics derived from Catalyst Bancorp's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	4,911,490.00	4,769,155.00	4,560,287.00	4,533,000.00	4,444,916.00	4,342,427.00	4,206,671.00	4,180,598.00	4,138,765.00	4,113,660.00	4,058,297.00
DEI Adjusted Shares Outstanding	4,911,490.00	4,769,155.00	4,560,287.00	4,533,000.00	4,444,916.00	4,342,427.00	4,206,671.00	4,180,598.00	4,138,765.00	4,113,660.00	4,058,297.00
DEI Earnings Per Adjusted Shares Outstanding	0.03	0.06	-1.03	0.12	0.10	0.14	0.14	0.12	0.12	0.11	0.14
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	4.06%	17.63%	-235.84%	28.43%	39.84%	8.50%	188.01%	-0.07%	-12.28%	-5.55%	7.22%
EBITDA Growth	-2.46%	26.82%	-2,030.87%	263.27%	86.62%	69.00%	115.42%	-1.83%	4.19%	-23.97%	-6.09%
EBIT Growth	16.89%	70.35%	-8,041.33%	0.00%	220.81%	127.43%	112.09%	-2.01%	7.93%	-28.53%	-5.00%
NOPAT Growth	11.85%	67.25%	-5,811.23%	0.00%	196.03%	118.88%	114.06%	-1.14%	9.40%	-27.16%	-4.78%
Net Income Growth	11.85%	67.25%	-6,523.29%	3,193.75%	196.03%	118.88%	112.50%	-1.14%	9.40%	-27.16%	-4.78%
EPS Growth	0.00%	600.00%	-5,850.00%	0.00%	266.67%	85.71%	113.91%	7.69%	18.18%	0.00%	-6.25%
Operating Cash Flow Growth	66.15%	134.85%	312.93%	113.00%	65.93%	-31.61%	72.87%	-17.37%	1.79%	25.31%	54.80%
Free Cash Flow Firm Growth	118.97%	-159.22%	-337.99%	-316.84%	-370.65%	349.13%	208.13%	224.69%	180.19%	-142.15%	-105.74%
Invested Capital Growth	-7.05%	6.37%	16.16%	18.85%	21.45%	-13.64%	-18.59%	-18.72%	-13.40%	7.46%	1.97%
Revenue Q/Q Growth	2.88%	14.86%	-218.58%	191.66%	12.01%	-10.88%	-3.81%	-3.63%	-1.67%	-4.05%	9.20%
EBITDA Q/Q Growth	75.22%	40.91%	-1,131.18%	114.27%	-9.99%	27.60%	-5.94%	-9.13%	-4.47%	-6.88%	16.18%
EBIT Q/Q Growth	0.00%	95.95%	-1,856.93%	110.86%	-14.22%	38.92%	-6.61%	-11.94%	-5.52%	-8.01%	24.14%
NOPAT Q/Q Growth	0.00%	89.40%	-1,557.76%	112.64%	-15.18%	40.04%	-6.39%	-11.09%	-6.14%	-6.75%	22.37%
Net Income Q/Q Growth	843.75%	89.40%	-1,739.51%	111.24%	-15.18%	40.04%	-6.39%	-11.09%	-6.14%	-6.75%	22.37%
EPS Q/Q Growth	0.00%	133.33%	-1,742.86%	111.30%	-15.38%	18.18%	23.08%	-12.50%	-7.14%	0.00%	15.38%
Operating Cash Flow Q/Q Growth	-17.43%	72.22%	-73.44%	463.97%	-35.68%	-29.02%	-32.86%	169.56%	-20.76%	-12.61%	-17.06%
Free Cash Flow Firm Q/Q Growth	-10.20%	-183.78%	-229.64%	12.57%	-12.09%	177.12%	43.07%	0.82%	-27.91%	-140.54%	80.51%
Invested Capital Q/Q Growth	-2.23%	13.54%	6.59%	0.44%	-0.08%	-19.26%	0.48%	0.28%	6.45%	0.19%	-4.65%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	17.57%	21.55%	0.00%	29.18%	23.45%	33.57%	32.83%	28.66%	27.85%	27.03%	28.75%
EBIT Margin	7.68%	13.09%	0.00%	22.99%	17.61%	27.45%	26.65%	22.55%	21.66%	20.77%	23.61%
Profit (Net Income) Margin	6.70%	11.05%	0.00%	18.73%	14.18%	22.29%	21.69%	18.53%	17.69%	17.19%	19.26%
Tax Burden Percent	87.28%	84.37%	78.73%	81.45%	80.54%	81.19%	81.39%	82.18%	81.64%	82.76%	81.58%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	12.72%	15.63%	0.00%	18.55%	19.46%	18.81%	18.61%	17.82%	18.36%	17.24%	18.42%
Return on Invested Capital (ROIC)	0.63%	1.02%	0.00%	0.84%	0.77%	1.31%	2.48%	2.15%	1.93%	2.06%	2.40%
ROIC Less NNEP Spread (ROIC-NNEP)	0.63%	1.02%	0.00%	0.84%	0.77%	1.31%	2.48%	2.15%	1.93%	2.06%	2.40%
Return on Net Nonoperating Assets (RNNOA)	0.07%	0.17%	0.00%	0.20%	0.18%	0.23%	0.60%	0.53%	0.52%	0.31%	0.29%
Return on Equity (ROE)	0.70%	1.19%	0.00%	1.04%	0.95%	1.54%	3.07%	2.68%	2.45%	2.37%	2.68%
Cash Return on Invested Capital (CROIC)	7.74%	-5.65%	-18.65%	-20.50%	-22.42%	11.76%	22.67%	22.81%	16.51%	-4.99%	0.27%
Operating Return on Assets (OROA)	0.25%	0.46%	0.00%	0.38%	0.36%	0.57%	1.10%	0.93%	0.87%	0.83%	0.96%
Return on Assets (ROA)	0.22%	0.38%	0.00%	0.31%	0.29%	0.46%	0.90%	0.76%	0.71%	0.68%	0.78%
Return on Common Equity (ROCE)	0.70%	1.19%	0.00%	1.04%	0.95%	1.54%	3.07%	2.68%	2.45%	2.37%	2.68%
Return on Equity Simple (ROE_SIMPLE)	0.50%	0.00%	-5.21%	-4.60%	-4.20%	0.00%	2.71%	2.70%	2.72%	0.00%	2.46%
Net Operating Profit after Tax (NOPAT)	0.15	0.29	-4.17	0.53	0.45	0.63	0.59	0.52	0.49	0.46	0.56
NOPAT Margin	6.70%	11.05%	0.00%	18.73%	14.18%	22.29%	21.69%	18.53%	17.69%	17.19%	19.26%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	2.69%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	70.63%	61.84%	0.00%	53.55%	52.73%	57.53%	61.62%	59.25%	63.15%	65.89%	60.17%
Operating Expenses to Revenue	92.32%	81.96%	0.00%	73.49%	71.70%	72.55%	73.35%	77.45%	79.64%	75.61%	78.81%
Earnings before Interest and Taxes (EBIT)	0.17	0.34	-5.96	0.65	0.56	0.77	0.72	0.63	0.60	0.55	0.68
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	0.40	0.56	-5.75	0.82	0.74	0.94	0.89	0.81	0.77	0.72	0.83
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.72	0.61	0.66	0.65	0.62	0.64	0.61	0.64	0.67	0.79	0.82
Price to Tangible Book Value (P/TBV)	0.72	0.61	0.66	0.65	0.62	0.64	0.61	0.64	0.67	0.79	0.82
Price to Revenue (P/Rev)	6.65	5.56	13.63	11.44	9.24	8.96	4.27	4.43	4.83	5.81	5.92
Price to Earnings (P/E)	144.12	98.28	0.00	0.00	0.00	0.00	22.42	23.76	24.59	31.57	33.20
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.69%	1.02%	0.00%	0.00%	0.00%	0.00%	4.46%	4.21%	4.07%	3.17%	3.01%
Enterprise Value to Invested Capital (EV/IC)	0.60	0.50	0.07	0.07	0.31	0.18	0.20	0.24	0.33	0.56	0.42
Enterprise Value to Revenue (EV/Rev)	6.21	5.60	1.88	1.59	6.28	2.87	1.59	1.83	2.84	4.87	3.39
Enterprise Value to EBITDA (EV/EBITDA)	40.66	35.23	0.00	0.00	0.00	0.00	5.40	6.34	9.41	17.08	12.29
Enterprise Value to EBIT (EV/EBIT)	123.71	88.70	0.00	0.00	0.00	0.00	6.79	7.98	11.77	21.69	15.57
Enterprise Value to NOPAT (EV/NOPAT)	134.55	98.98	0.00	0.00	0.00	0.00	8.37	9.81	14.43	26.47	18.99
Enterprise Value to Operating Cash Flow (EV/OCF)	37.52	25.93	3.14	2.35	9.93	5.16	5.46	6.88	10.25	16.52	10.91
Enterprise Value to Free Cash Flow (EV/FCFF)	7.52	0.00	0.00	0.00	0.00	1.44	0.80	0.93	1.87	0.00	153.73
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.11	0.23	0.36	0.37	0.36	0.12	0.12	0.12	0.18	0.18	0.12
Long-Term Debt to Equity	0.11	0.23	0.36	0.37	0.36	0.12	0.12	0.12	0.18	0.18	0.12
Financial Leverage	0.11	0.17	0.23	0.24	0.24	0.18	0.24	0.25	0.27	0.15	0.12
Leverage Ratio	3.16	3.09	3.33	3.39	3.29	3.32	3.42	3.52	3.46	3.46	3.44
Compound Leverage Factor	3.16	3.09	3.33	3.39	3.29	3.32	3.42	3.52	3.46	3.46	3.44
Debt to Total Capital	10.20%	18.64%	26.56%	27.20%	26.55%	10.65%	10.65%	10.67%	15.26%	15.27%	10.61%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	10.20%	18.64%	26.56%	27.20%	26.55%	10.65%	10.65%	10.67%	15.26%	15.27%	10.61%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	89.80%	81.36%	73.44%	72.81%	73.45%	89.35%	89.35%	89.33%	84.74%	84.73%	89.39%
Debt to EBITDA	6.86	13.11	-6.43	-7.61	-8.12	-2.94	2.83	2.86	4.31	4.63	3.12
Net Debt to EBITDA	-2.89	0.25	10.19	11.36	4.47	10.69	-9.06	-9.01	-6.63	-3.29	-9.20
Long-Term Debt to EBITDA	6.86	13.11	-6.43	-7.61	-8.12	-2.94	2.83	2.86	4.31	4.63	3.12
Debt to NOPAT	22.71	36.84	-7.72	-9.01	-9.55	-3.43	4.39	4.43	6.61	7.18	4.82
Net Debt to NOPAT	-9.57	0.70	12.23	13.46	5.25	12.46	-14.05	-13.95	-10.16	-5.10	-14.22
Long-Term Debt to NOPAT	22.71	36.84	-7.72	-9.01	-9.55	-3.43	4.39	4.43	6.61	7.18	4.82
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	7.09	-5.94	-20	-17	-19	15	21	21	15	-6.24	-1.22
Operating Cash Flow to CapEx	364.86%	6,642.86%	1,900.00%	619.11%	716.80%	1,156.36%	646.97%	3,385.29%	1,072.94%	26,566.67%	16,525.00%
Free Cash Flow to Firm to Interest Expense	13.61	-8.66	-18.44	-15.90	-16.85	14.25	20.99	21.50	14.48	-5.99	-1.19
Operating Cash Flow to Interest Expense	1.04	1.36	0.23	1.29	0.79	0.61	0.42	1.16	0.86	0.77	0.64
Operating Cash Flow Less CapEx to Interest Expense	0.75	1.34	0.22	1.08	0.68	0.56	0.36	1.12	0.78	0.76	0.64
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.01	0.02	0.02	0.02	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	1.42	1.50	0.65	0.75	0.89	0.94	1.91	1.93	1.87	1.87	1.92
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	92	104	111	111	111	90	90	90	96	96	92
Invested Capital Turnover	0.09	0.09	0.04	0.04	0.05	0.06	0.11	0.12	0.11	0.12	0.12
Increase / (Decrease) in Invested Capital	-6.94	6.23	15	18	20	-14	-21	-21	-15	6.70	1.77
Enterprise Value (EV)	55	52	7.45	7.30	34	16	18	21	32	54	38
Market Capitalization	59	52	54	52	51	51	49	52	55	65	67
Book Value per Share	$16.74	$17.73	$17.84	$17.87	$18.37	$18.47	$19.16	$19.33	$19.71	$19.87	$19.98
Tangible Book Value per Share	$16.74	$17.73	$17.84	$17.87	$18.37	$18.47	$19.16	$19.33	$19.71	$19.87	$19.98
Total Capital	92	104	111	111	111	90	90	90	96	96	92
Total Debt	9.33	19	29	30	30	9.56	9.60	9.65	15	15	9.76
Total Long-Term Debt	9.33	19	29	30	30	9.56	9.60	9.65	15	15	9.76
Net Debt	-3.93	0.37	-47	-45	-16	-35	-31	-30	-23	-10	-29
Capital Expenditures (CapEx)	0.15	0.01	0.01	0.23	0.13	0.06	0.07	0.03	0.09	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.52	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	9.33	19	29	30	30	9.56	9.60	9.65	15	15	9.76
Total Depreciation and Amortization (D&A)	0.22	0.22	0.20	0.17	0.18	0.17	0.17	0.17	0.17	0.17	0.15
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.03	$0.07	($1.14)	$0.13	$0.11	$0.13	$0.16	$0.14	$0.13	$0.13	$0.16
Adjusted Weighted Average Basic Shares Outstanding	4.77M	4.56M	4.53M	4.44M	4.34M	4.21M	4.18M	4.14M	4.11M	4.06M	4.05M
Adjusted Diluted Earnings per Share	$0.03	$0.07	($1.14)	$0.13	$0.11	$0.13	$0.16	$0.14	$0.13	$0.13	$0.15
Adjusted Weighted Average Diluted Shares Outstanding	4.77M	4.56M	4.53M	4.44M	4.34M	4.21M	4.18M	4.14M	4.11M	4.06M	4.05M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	4.77M	4.56M	4.53M	4.44M	4.34M	4.21M	4.18M	4.14M	4.11M	4.06M	4.05M
Normalized Net Operating Profit after Tax (NOPAT)	0.15	0.29	-4.17	0.53	0.45	0.63	0.59	0.52	0.49	0.46	0.56
Normalized NOPAT Margin	6.70%	11.05%	0.00%	18.73%	14.18%	22.29%	21.69%	18.53%	17.69%	17.19%	19.26%
Pre Tax Income Margin	7.68%	13.09%	0.00%	22.99%	17.61%	27.45%	26.65%	22.55%	21.66%	20.77%	23.61%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.33	0.49	-5.61	0.60	0.49	0.74	0.71	0.64	0.56	0.53	0.67
NOPAT to Interest Expense	0.29	0.42	-3.93	0.49	0.39	0.60	0.58	0.52	0.46	0.44	0.54
EBIT Less CapEx to Interest Expense	0.05	0.47	-5.62	0.39	0.38	0.69	0.65	0.60	0.48	0.53	0.66
NOPAT Less CapEx to Interest Expense	0.01	0.40	-3.94	0.28	0.28	0.55	0.52	0.49	0.38	0.44	0.54
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	1,298.30%	1,200.57%	-137.28%	-144.64%	-155.15%	-186.37%	190.44%	181.51%	143.79%	126.02%	97.83%

Financials Breakdown Chart

Key Financial Trends

Catalyst Bancorp (NASDAQ: CLST) showed solid first-quarter 2026 profitability and improved liquidity, but the longer-term trend still reflects a bank that is managing a shrinking loan book and relying on balance-sheet repositioning to support results.

In Q1 2026, Catalyst generated $558,000 of net income, up from $456,000 in Q4 2025 and $586,000 in Q1 2025. Earnings per share came in at $0.15 diluted and $0.16 basic. Operating cash flow was also healthy at $661,000, while the company ended the quarter with a $13.3 million increase in cash and equivalents.

The income statement shows a bank with a fairly stable core earning profile. Total revenue in Q1 2026 was $2.897 million, with $2.545 million coming from net interest income. Non-interest income improved to $352,000, helped by service charges and other fee income. The bigger swing factor remains expenses: total non-interest expense was $2.283 million, higher than revenue growth but still controlled enough to preserve profitability.

On the balance sheet, total assets rose to $288.5 million from $283.8 million in Q3 2025 and $271.6 million in Q1 2025. Total equity increased to $82.2 million, while the allowance for loan and lease losses held at $2.295 million. Deposits also improved meaningfully in the quarter, which is important for a community bank’s funding base.

Looking at the last four years, the story is mixed. Catalyst has come a long way from the volatile and loss-making period in early 2024, when Q1 2024 showed a $4.7 million loss driven by a large capital-loss hit. Since then, earnings have normalized and turned consistently positive. However, the company’s loan balance has not shown sustained growth, and its investment portfolio has been an important source of liquidity and earnings support.

Q1 2026 net income improved to $558,000, showing continued profitability after a stable run of positive quarters.
Operating cash flow remained strong at $661,000, indicating the bank’s core business is still generating cash.
Cash and equivalents increased sharply, with net cash up $13.3 million in the quarter.
Total equity rose to $82.2 million, supporting balance-sheet strength.
Deposit growth was strong in Q1 2026, helping improve funding capacity.
Non-interest income improved sequentially, providing some diversification beyond spread income.
Net interest income remained steady around the mid-$2.5 million range, suggesting the core margin is relatively stable.
Loan balances have been broadly flat to slightly down over the past year, which limits organic growth potential.
Expenses remain elevated, with non-interest expense still consuming a large share of revenue.
Recent cash flow depended heavily on investment sales/maturities, highlighting reliance on balance-sheet repositioning rather than rapid loan growth.

Bottom line: Catalyst Bancorp looks financially healthier than it did a year ago, with consistent profitability, better cash generation, and a stronger equity base. Still, investors should watch whether the company can translate this stability into loan growth and better operating leverage, rather than leaning primarily on deposits and securities activity to drive results.

07/21/26 01:52 AM ETAI Generated. May Contain Errors.

Catalyst Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Catalyst Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Catalyst Bancorp's net income appears to be on a downward trend, with a most recent value of $2.05 million in 2025, falling from -$703 thousand in 2020. The previous period was -$3.09 million in 2024. See where experts think Catalyst Bancorp is headed by visiting Catalyst Bancorp's forecast page.

Over the last 5 years, Catalyst Bancorp's total revenue changed from $7.75 million in 2020 to $11.15 million in 2025, a change of 43.8%.

Catalyst Bancorp's total liabilities were at $201.20 million at the end of 2025, a 2.4% increase from 2024, and a 15.5% increase since 2020.

In the past 5 years, Catalyst Bancorp's cash and equivalents has ranged from $3.65 million in 2023 to $5.51 million in 2020, and is currently $4.13 million as of their latest financial filing in 2025.

Over the last 5 years, Catalyst Bancorp's book value per share changed from 9.55 in 2020 to 19.87 in 2025, a change of 108.0%.

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Financial statements for NASDAQ:CLST last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Catalyst Bancorp (CLST) Financials

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Catalyst Bancorp (CLST) Financials

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