Catalyst Bancorp Inc. Common Stock (CLST)

FairStock Score: 19/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Catalyst Bancorp is a tiny Louisiana community bank with 49 employees and a $69.6 million market cap at the 2026-10-13 close of $17.25. I see no real moat: community banks compete on relationships and local credit, but scale is limited. The filed numbers show a classic turnaround. After a fiscal 2024 net loss of $3.1 million, or -$0.78 per diluted share, Catalyst earned $2.1 million in fiscal 2025, or $0.56 per diluted share. The latest three filed quarters are all profitable: fiscal Q2 2026 net income $524,000 and EPS $0.14; fiscal Q1 2026 net income $558,000 and EPS $0.15; fiscal Q3 2025 net income $489,000 and EPS $0.13. That is encouraging, but the level of profit is small. FairStock's calculations give a P/E of 30.80, P/B of 0.75, ROE of 2.48%, ROCE of 0.72%, and PEG of 53.10. The low price-to-book is the main attraction: I am paying 75 cents for each dollar of accounting book value. But an ROE below 3% does not compound book value quickly. The Piotroski F-Score is 6/9, decent but not exceptional. Without CET1, net interest margin, nonperforming loans, reserves, and charge-off data, I cannot judge credit risk. The stock is classified as a TURNAROUND because it returned to profit after a loss within the last three years. At this price, the market is not paying much for earnings, but it is also not giving away the bank. I would want evidence that the profitability is durable and that book value is real.

In plain English: Catalyst Bancorp is a small Louisiana bank. It lost money in fiscal 2024 but has made modest profits since, including $524,000 in the quarter ended June 30, 2026. At $17.25 a share, the price is below the bank's stated net asset value but high compared with its recent profits, so it looks cheap on assets and expensive on earnings.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer