Stocks · Financial Services · Banks - Regional
Catalyst Bancorp, Inc. CLST
$16.30 -5.51% Close, Oct 2, 2026 · NASDAQ · Market cap $66.0M
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 6.3% in a year, mainly through buybacks.
- Revenue over the last four quarters was $15.6M, down 1.4% from a year earlier.
- Diluted EPS over the last four quarters was $0.56, down 1.8% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 23%
- EPS growth (TTM, YoY)Bottom 28%
- FCF growth (TTM, YoY)Bottom 47%
- Revenue growth, 3-year CAGRTop 33%
- Revenue growth accelerationTop 31%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 43%
- Gross marginTop 27%
- Operating marginBottom 37%
- Cash conversion (OCF / net income)Top 26%
- Accruals (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Bottom 45%
- Interest coverBottom 33%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 34%
- Free-cash-flow yieldBottom 35%
- EBITDA / enterprise valueBottom 34%
- Sales / enterprise valueBottom 28%
- P/E vs own 5-year history (lower is better)Top 24%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 21%
- 6-month returnBottom 16%
- 1-year return vs S&P 500Top 28%
- Distance from 52-week highBottom 24%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 39%
- Maximum drawdown, 3 yearsTop 19%
- Beta vs S&P 500 (lower is better)Top 15%
- Net debt / EBITDA (lower is better)Bottom 45%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -3.0% | -1.4% | ↑ |
| EPS growth (YoY) | -1.8% | -1.8% | ↑ |
| Gross margin | 71.4% | 74.2% | ↑ |
| Operating margin | 17.0% | 16.1% | ↓ |
| FCF margin | 17.9% | 20.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.4% | -3.0% | ↑ | Bottom 23% |
| EPS growth (TTM, YoY) | -1.8% | -1.8% | ↑ | Bottom 28% |
| Gross margin | 74.2% | 71.4% | ↑ | Top 27% |
| Operating margin | 16.1% | 17.0% | ↓ | Bottom 37% |
| Net margin | 13.0% | 13.8% | ↓ | — |
| Free-cash-flow margin | 20.8% | 17.9% | ↑ | — |
| Return on invested capital | 2.2% | — | Top 43% | |
| Revenue growth, 3-year CAGR | 19.4% | — | Top 33% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.64×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 4.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +0.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.70×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 2.47%
- Shareholder yield
- 2.47%
- Share count change, 1 year
- -6.3%
- Share count change, 3-year CAGR
- -5.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 14, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 6 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | — | +0.3% | +1.8% | +4.1% | — |
| Apr 30, 2026 | — | -0.8% | -1.4% | -1.1% | +7.8% |
| Jan 29, 2026 | — | +0.0% | -1.0% | +7.3% | +1.8% |
| Oct 23, 2025 | — | +0.2% | +1.7% | +12.8% | +17.3% |
| Jul 24, 2025 | — | +0.0% | +1.1% | +2.8% | +7.7% |
| Apr 24, 2025 | — | +0.1% | -0.5% | +2.7% | +8.6% |
| Mar 28, 2025 | — | -0.4% | -2.6% | -0.9% | +5.1% |
| Jan 23, 2025 | — | +2.0% | +0.9% | +0.8% | -4.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.14 | — | — | $3.9M |
| Apr 30, 2026 | $0.15 | — | — | $3.9M |
| Jan 29, 2026 | $0.13 | — | — | $3.9M |
| Oct 23, 2025 | $0.13 | — | — | — |
| Jul 24, 2025 | $0.14 | — | — | $3.8M |
| Apr 24, 2025 | $0.16 | — | — | $3.9M |
| Mar 28, 2025 | $0.16 | — | — | $3.8M |
| Jan 23, 2025 | $0.16 | — | — | $4.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 29.1× | 44.8× | 25th | Bottom 34% |
| EV / EBITDA | 25.0× | — | — | Bottom 34% |
| EV / Sales | 4.55× | — | — | Bottom 28% |
| Free-cash-flow yield | 4.91% | — | — | Bottom 35% |
| Earnings yield | 3.44% | — | — | Bottom 34% |
P/E over the past five years
Range 20.8× – 270.1× since Sep 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +22.6%
- Earnings per share growth (TTM)
- -1.8%
- Change in P/E multiple
- +40.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- +2.6%
- 200-day average slope (20 days)
- +1.7%
- Distance from 50-day average
- -6.8%
- Distance from 200-day average
- -1.0%
- RSI (14)
- 23.3
- Relative volume
- 0.38×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.2%
- Volatility vs own 5-year history
- 82th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.08
- Correlation with S&P 500
- 0.08
- Current drawdown from 1-year high
- -10.2%
- Maximum drawdown, 3 years
- -11.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 21, 2021 | May 10, 2023 | -33.6% | 347 days | 618 days (Oct 31, 2025) |
| Sep 21, 2026 | Oct 2, 2026 | -10.2% | 9 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $66.0M
- P/E (TTM)
- 29.1
- EPS, diluted (TTM)
- $0.56
- Revenue (TTM)
- $15.6M
- 52-week range
- $13.20 – $20.50
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $10.1M | $9.0M | $11.0M | $9.9M | $15.3M |
| Gross profit | $10.0M | $8.7M | $8.9M | $5.0M | $11.2M |
| Operating income | $2.4M | $159,000 | $587,000 | -$4.0M | $2.5M |
| Net income | $1.9M | $180,000 | $526,000 | -$3.1M | $2.1M |
| EPS (diluted) | $0.40 | $0.04 | $0.12 | -$0.78 | $0.56 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.3M | $3.8M | $3.9M | $3.8M | $3.8M | $3.9M | $3.9M | $3.9M |
| Net income | $447,000 | $626,000 | $586,000 | $521,000 | $489,000 | $456,000 | $558,000 | $524,000 |
| EPS (diluted) | $0.11 | $0.16 | $0.16 | $0.14 | $0.13 | $0.13 | $0.15 | $0.15 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $3.4M | $772,000 | $2.0M | $3.2M | $3.3M |
| Capital expenditure | -$1.5M | -$252,000 | -$172,000 | -$430,000 | -$188,000 |
| Free cash flow | $1.9M | $520,000 | $1.8M | $2.7M | $3.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $50.8M | -$2.3M | -$6.3M | -$5.8M | -$2.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $51.2M
- Total assets
- $290.0M
- Total liabilities
- $207.5M
- Total debt
- $9.8M
- Net debt
- $4.8M
- Shareholders’ equity
- $82.5M
As of Jun 30, 2026 (filed Aug 14, 2026).
Short interest
- Shares sold short
- 7,560
- Days to cover
- 2.37
- Change vs previous report
- +5.7%
FINRA short interest, settlement date Sep 15, 2026.