Catalyst Bancorp, Inc.
$16.01
-0.74%Catalyst 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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is elevated (P/E 28.6).
Valuation inputs: P/E 28.6, earnings yield +3.5%, momentum -0.7%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +2.5%, ROIC +2.1%).
Profitability stack: net margin +13.4%, ROE +2.5%, ROIC +2.1%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +71.1%, momentum -0.7%, net margin +13.4%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Catalyst Bancorp, Inc. Market vs Earnings Trajectory
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Catalyst Bancorp, Inc. Fair Value Envelope
Catalyst Bancorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Catalyst Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Catalyst Bancorp, Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Catalyst Bancorp, Inc. Street Expectations Map
No Target Data
No analyst price targets available for clst.
Catalyst Bancorp, Inc. Insider Positioning
During the last 12 months, insiders have purchased $459K and sold $34K worth of CLST shares, resulting in $425K of net buying activity.
3 Months
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3-6 Months
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6-9 Months
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750
10.05K
-10K
-$10K
9-12 Months
38.0K
459.17K
1.8K
23.63K
+436K
+$436K
Top Buyers
Zanco Joseph B
Director, Officer: President And Ceo
$160K
Quebedeaux Amanda B.
Officer: Chief Operations Officer
$48K
Ledet Don P
Officer: Chief Risk Officer
$48K
Kleiser Kirk E.
Director
$43K
Lebouef Craig C.
Director
$32K
Top Sellers
Zanco Joseph B
Director, Officer: President And Ceo
$15K
Kleiser Kirk E.
Director
$10K
Quebedeaux Amanda B.
Officer: Chief Operations Officer
$7K
Bourque Jacques L.J.
Officer: Chief Financial Officer
$2K
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $425K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Exceptional buy/sell ratio. Buying dramatically outweighs selling—one of the strongest possible insider signals.
Insider Participation
5 insider buyers vs. 4 sellers. More insiders buying than selling indicates positive sentiment.
Insider Activity Insight
Compelling insider conviction: The combination of strong buy/sell ratio and multiple buyers suggests insiders see attractive risk/reward. Consider this alongside fundamental analysis for confirmation.
No Dividend Yield Data
CLST has not reported any dividend yield values in the available annual periods.
clst Dividend History
Learning Layer
Related Guides
Build conviction on CLST by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.