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Financials · CLST

Catalyst Bancorp Inc. (CLST) financials

For the twelve months ended Jun 30, 2026, Catalyst Bancorp Inc. reported $11.27M of revenue and $2.03M of net income.

Revenue, TTM
$11.27M
Revenue growth, YoY
-1.8%
Net income, TTM
$2.03M
Net income growth, YoY
-7.0%
Net margin
18.0%
Free cash flow, TTM
$3.24M
EPS, diluted, TTM
$0.55
EPS growth, YoY
+1.9%
Cash
$36.98M
Total debt
$9.79M
P/E
35.62
P/S
6.41
Market cap
$72.2M
Annual revenue$11.15M
FY2020FY2025
Annual net income$2.05M
FY2020FY2025
Annual free cash flow$3.10M
FY2020FY2025

CLST revenue and earnings growth

CLST revenueQ2 2026$2.95M

Quarter YoY
+5.0%
QoQ
+1.9%
FY YoY
+95.4%
5Y CAGR
+7.5%

CLST revenue was $2.95M in fiscal Q2 2026 (ended Jun 30, 2026), up 5.0% from a year earlier and up 1.9% from the prior quarter. For the full fiscal 2025 it was $11.15M, up 95.4% from fiscal 2024. Compound annual growth was +7.5% over 5 years. It rose in 3 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

CLST net incomeQ2 2026$524.0K

Quarter YoY
+0.6%
QoQ
-6.1%

CLST net income was $524.0K in fiscal Q2 2026 (ended Jun 30, 2026), up 0.6% from a year earlier and down 6.1% from the prior quarter. For the full fiscal 2025 it was $2.05M, compared with -$3.09M in fiscal 2024. Fiscal 2025 is the highest of the 6 fiscal years on file.

CLST EPSQ2 2026$0.14

Quarter YoY
+0.0%
QoQ
-6.7%

CLST diluted EPS was $0.14 in fiscal Q2 2026 (ended Jun 30, 2026), up 0.0% from a year earlier and down 6.7% from the prior quarter. For the full fiscal 2025 it was $0.56, compared with -$0.78 in fiscal 2024.

CLST free cash flowQ2 2026$958.0K

Quarter YoY
-14.2%
QoQ
+45.8%
FY YoY
+13.0%
5Y CAGR
+58.5%

CLST free cash flow was $958.0K in fiscal Q2 2026 (ended Jun 30, 2026), down 14.2% from a year earlier and up 45.8% from the prior quarter. For the full fiscal 2025 it was $3.10M, up 13.0% from fiscal 2024. Compound annual growth was +58.5% over 5 years. It rose in 4 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Revenue$11.15M$5.71M$9.29M$8.50M$9.53M$7.75M
Interest expense--$1.86M$683.0K$795.0K$1.71M
Pre-tax income$2.50M-$3.98M$587.0K$159.0K$2.40M-$1.18M
Income tax$452.0K-$894.0K$61.0K-$21.0K$484.0K-$474.0K
Net income$2.05M-$3.09M$526.0K$180.0K$1.92M-$703.0K
EPS, basic$0.56-$0.78$0.12$0.04$0.39-
EPS, diluted$0.56-$0.78$0.12$0.04--
Diluted shares3.7M3.9M4.4M4.9M4,869-

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Cash and equivalents$25.20M$44.30M$19.01M$13.47M$40.88M$25.25M
Total assets$282.93M$276.70M$270.93M$263.36M$285.61M$224.69M
Total debt$14.73M$9.56M$19.38M$9.20M$9.02M$8.84M
Total liabilities$201.20M$196.49M$186.37M$174.85M$187.06M$174.16M
Shareholders' equity$81.72M$80.20M$84.56M$88.49M$98.59M$50.75M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Operating cash flow$3.29M$3.17M$2.01M$772.0K$3.43M$857.0K
Capital expenditures$188.0K$430.0K$172.0K$252.0K$1.51M$547.0K
Free cash flow$3.10M$2.74M$1.84M$520.0K$1.92M$310.0K
Investing cash flow-$24.39M$17.82M-$267.0K-$14.14M-$46.59M-$313.0K
Financing cash flow$2.01M$4.29M$3.80M-$14.04M$58.80M$6.79M
Share repurchases$2.59M$5.76M$6.32M$2.34M--
Stock-based compensation$897.0K$812.0K$769.0K$472.0K$73.0K-
Depreciation and amortization$422.0K$412.0K$403.0K$448.0K$424.0K$347.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Revenue growth, YoY95.4%-38.6%9.3%-10.8%23.0%-
Net income growth, YoY--192.2%-90.6%--
EPS growth, YoY--200.0%---
Net margin18.4%-54.1%5.7%2.1%20.1%-9.1%
Free cash flow margin27.8%48.1%19.8%6.1%20.1%4.0%
Return on equity2.5%-3.9%0.6%0.2%1.9%-1.4%
Return on assets0.7%-1.1%0.2%0.1%0.7%-0.3%
Debt to equity0.180.120.230.100.090.17

Source: XBRL data Catalyst Bancorp Inc. files with the SEC, latest filing dated Aug 14, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CLST peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CLST$11.27M-1.8%$2.03M18.0%$72.2M
HSBC$68.27B+3.7%$23.13B33.9%$302.34B
AX$1.55B+23.0%$507.67M32.7%$5.24B
EBC$1.12B+61.3%$376.13M33.5%$5.19B
TFSL$343.73M+10.5%$102.06M29.7%$4.61B
BKU$1.13B+5.4%$273.97M24.3%$3.17B
PFS$907.32M+8.1%$312.71M34.5%$3.16B
CFFN$229.25M+19.4%$82.83M36.1%$1.07B

CLST FAQ

8 questions
  • What is CLST revenue?
    Catalyst Bancorp Inc. (CLST) reported $11.27M of revenue for the twelve months ended Jun 30, 2026. That is down 1.8% from the year before. Revenue for fiscal 2025 was $11.15M.
  • Is CLST profitable?
    Yes. Catalyst Bancorp Inc. earned $2.03M in net income for the twelve months ended Jun 30, 2026, a net margin of 18.0%.
  • How much cash and debt does CLST have?
    Catalyst Bancorp Inc. reported $36.98M in cash and cash equivalents and $9.79M of debt on its most recent balance sheet in SEC filings.
  • How fast is CLST revenue growing?
    Catalyst Bancorp Inc.'s revenue changed +95.4% in fiscal 2025, to $11.15M. Its compound annual growth rate was +7.5% over 5 years.
  • What is CLST free cash flow?
    Catalyst Bancorp Inc. generated $3.24M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $3.33M less capital expenditures.
  • What is CLST earnings per share?
    Diluted earnings per share were $0.55 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CLST last report financial results?
    The latest statements here come from Catalyst Bancorp Inc.'s 10-Q filed on Aug 14, 2026, covering the period ended Jun 30, 2026.
  • Where does this CLST financial data come from?
    Quantisnow builds these statements from the structured XBRL data Catalyst Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.