CLST · Catalyst Bancorp, Inc.
Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking products and services to individuals and businesses in Louisiana. The company accepts various deposit products, including demand and NOW accounts, money market accounts, savings accounts, and certificates of deposit. It offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans, consumer loans, and other loans. In addition, the company invests in various types of securities, such as 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. Catalyst Bancorp, Inc. was founded in 1922 and is headquartered in Opelousas, Louisiana.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $16.76 |
| SO | 4.1M |
| Options | 0.4M |
| Warrants | 0.0M |
| FD SO | 4.4M |
| MC | $73.9M |
| Cash | $38.5M |
| Total debt | $9.8M ⚠ |
| EV | $45.1M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 3.0x |
| EV / EBITDA | — |
| MC / Net Income | 36.5x |
| EV / FCF | 13.3x |
| MC / FCF | 21.8x |
| Ownership & coverage | |
|---|---|
| Institutional | 26.5% |
| Insiders | 17.5% |
| # Institutions | 25 |
| Analysts | 0 |
| Consensus | — |
| Avg target | — |
| Short % float | 0.2% |
| Days to cover | 3.18 |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-05-12. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-07-13 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-06-29; the float denominator can be unreliable on tiny floats.
Debt figure uncertain — deposit-funded financial institution — debt/EV not a meaningful metric. Verify against the filing before relying on EV.
Financial statements
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Total Revenue | 3.92 | 3.69 | 3.83 | 3.81 |
| Revenue YoY % | (0.1%) | (4.0%) | (10.8%) | (2.2%) |
| Gross Profit | 2.63 | 2.61 | 2.53 | 2.54 |
| Gross Profit YoY % | 8.1% | (1.7%) | (10.9%) | (7.9%) |
| Gross Margin % | 67.1% | 70.5% | 66.1% | 66.6% |
| SG&A | 2.28 | 2.01 | 2.20 | 2.18 |
| Interest Expense | 2.54 | 2.51 | 2.45 | 2.47 |
| Pretax Income | 0.68 | 0.55 | 0.60 | 0.63 |
| Tax Provision | 0.13 | 0.10 | 0.11 | 0.11 |
| Net Income | 0.56 | 0.46 | 0.49 | 0.52 |
| Net Margin % | 14.2% | 12.3% | 12.8% | 13.7% |
| Diluted EPS | $0.15 | $0.13 | $0.13 | $0.14 |
| Basic EPS | $0.16 | $0.13 | $0.13 | $0.14 |
| Diluted Avg Shares | 3.6 | — | 3.7 | 3.7 |
| Basic Avg Shares | 3.6 | — | 3.6 | 3.7 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 15.25 | 15.25 | 10.02 | 11.25 | 9.19 |
| Revenue YoY % | (0.0%) | 52.2% | (10.9%) | 22.5% | — |
| Gross Profit | 10.30 | 10.11 | 10.02 | 7.80 | 7.33 |
| Gross Profit YoY % | 2.0% | 0.8% | 28.5% | 6.4% | — |
| Gross Margin % | 67.6% | 66.2% | 100.0% | 69.3% | 79.8% |
| SG&A | 8.67 | 8.58 | 9.16 | 8.58 | 8.72 |
| Interest Expense | 9.97 | 9.79 | 9.54 | 1.86 | 0.68 |
| Pretax Income | 2.47 | 2.50 | (3.98) | 0.59 | 0.16 |
| Tax Provision | 0.44 | 0.45 | (0.89) | 0.06 | (0.02) |
| Net Income | 2.02 | 2.05 | (3.09) | 0.53 | 0.18 |
| Net Margin % | 13.3% | 13.5% | (30.8%) | 4.7% | 2.0% |
| Diluted EPS | $0.55 | $0.56 | -$0.78 | $0.12 | $0.04 |
| Basic EPS | $0.56 | $0.56 | -$0.78 | $0.12 | $0.04 |
| Diluted Avg Shares | 3.6 | 3.7 | 3.9 | 4.4 | 4.9 |
| Basic Avg Shares | 3.6 | 3.7 | 3.9 | 4.4 | 4.9 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 38.53 | 25.20 | 37.27 | 40.06 |
| Net PPE | 5.75 | 5.85 | 5.95 | 5.98 |
| Other Assets | 244.23 | 251.87 | 240.61 | 227.75 |
| Total Assets | 288.51 | 282.93 | 283.83 | 273.79 |
| Long-term Debt | 9.76 | 14.73 | 14.69 | — |
| Other Liabilities | 196.54 | 186.47 | 187.56 | 192.99 |
| Total Liabilities | 206.30 | 201.20 | 202.25 | 192.99 |
| Retained Earnings | 52.47 | 51.91 | 51.46 | 50.97 |
| Total Equity | 82.21 | 81.72 | 81.58 | 80.80 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 38.53 | 25.20 | 44.30 | 19.01 | 13.47 |
| Net PPE | 5.75 | 5.85 | 6.08 | 6.07 | 6.30 |
| Other Assets | 244.23 | 251.87 | 226.32 | 245.85 | 243.59 |
| Total Assets | 288.51 | 282.93 | 276.70 | 270.93 | 263.36 |
| Long-term Debt | 9.76 | 14.73 | 9.56 | 19.38 | 9.20 |
| Other Liabilities | 196.54 | 186.47 | 186.94 | 167.00 | 165.65 |
| Total Liabilities | 206.30 | 201.20 | 196.49 | 186.37 | 174.85 |
| Retained Earnings | 52.47 | 51.91 | 49.86 | 52.95 | 52.76 |
| Total Equity | 82.21 | 81.72 | 80.20 | 84.56 | 88.49 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Net Income | 0.56 | 0.46 | 0.49 | 0.52 |
| Stock-Based Comp | 0.25 | 0.25 | 0.24 | 0.21 |
| Δ Working Cap & Other | (0.15) | 0.09 | 0.18 | 0.42 |
| Operating Cash Flow | 0.66 | 0.80 | 0.91 | 1.15 |
| CapEx | (0.00) | (0.00) | (0.09) | (0.03) |
| Other Investing | 7.83 | (10.96) | (12.60) | (2.25) |
| Investing Cash Flow | 7.83 | (10.96) | (12.69) | (2.28) |
| Stock Buyback | (0.26) | (0.81) | (0.17) | (0.74) |
| Other Financing | 5.10 | (1.10) | 9.16 | 1.61 |
| Financing Cash Flow | 4.84 | (1.91) | 8.99 | 0.87 |
| Free Cash Flow | 0.66 | 0.79 | 0.83 | 1.12 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | 2.02 | 2.05 | (3.09) | 0.53 | 0.18 |
| D&A | — | 0.42 | 0.41 | 0.40 | 0.45 |
| Stock-Based Comp | 0.95 | 0.90 | 0.81 | 0.77 | 0.47 |
| Δ Working Cap & Other | 0.55 | (0.08) | 5.04 | 0.31 | (0.33) |
| Operating Cash Flow | 3.52 | 3.29 | 3.17 | 2.01 | 0.77 |
| CapEx | (0.13) | (0.19) | (0.43) | (0.17) | (0.25) |
| Other Investing | (17.98) | (24.20) | 18.25 | — | (13.89) |
| Investing Cash Flow | (18.10) | (24.39) | 17.82 | (0.27) | (14.14) |
| Stock Buyback | (1.98) | (2.59) | (5.76) | (6.32) | (2.34) |
| Other Financing | 14.78 | 4.60 | 10.05 | 10.11 | (11.70) |
| Financing Cash Flow | 12.79 | 2.01 | 4.29 | 3.80 | (14.04) |
| Free Cash Flow | 3.40 | 3.10 | 2.74 | 1.84 | 0.52 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | 2.51 | 2.46 | 2.48 | 2.39 |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | (28.77) | (10.47) | (22.58) | — |
| ROE % | 0.7% | 0.6% | 0.6% | 0.6% |
| ROA % | 0.2% | 0.2% | 0.2% | 0.2% |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — |
| Debt / Equity | 2.51 | 2.46 | 2.45 | 2.20 | 1.98 |
| EBITDA Margin % | — | — | — | — | — |
| Working Capital | — | — | — | — | — |
| Net Debt | (28.77) | (10.47) | (34.74) | 0.37 | (4.27) |
| ROE % | 2.5% | 2.5% | (3.9%) | 0.6% | 0.2% |
| ROA % | 0.7% | 0.7% | (1.1%) | 0.2% | 0.1% |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-06-11 | LeBouef Craig C. | Director | 2026-06-10 | A | 1,058 | — | $0 |
| 2026-06-11 | LeBouef Craig C. | Director | 2026-06-10 | A | 2,645 | — | $0 |
| 2026-06-11 | Lafleur Frederick R. | Director | 2026-06-10 | A | 1,058 | — | $0 |
| 2026-06-11 | Lafleur Frederick R. | Director | 2026-06-10 | A | 2,645 | — | $0 |
| 2026-06-11 | Kidder Todd A. | Director, Other (CHAIRMAN OF THE BOARD) | 2026-06-10 | A | 1,058 | — | $0 |
| 2026-06-11 | Kidder Todd A. | Director, Other (CHAIRMAN OF THE BOARD) | 2026-06-10 | A | 2,645 | — | $0 |
| 2026-06-11 | Bellard Ted D. | Director, Other (SECRETARY) | 2026-06-10 | A | 1,058 | — | $0 |
| 2026-06-11 | Bellard Ted D. | Director, Other (SECRETARY) | 2026-06-10 | A | 2,645 | — | $0 |
| 2026-06-11 | Scruggins Matthew L. | Director | 2026-06-10 | A | 1,058 | — | $0 |
| 2026-06-11 | Scruggins Matthew L. | Director | 2026-06-10 | A | 2,645 | — | $0 |
| 2026-06-11 | Kleiser Kirk E. | Director | 2026-06-10 | S | (5,000) | $16.04 | -$80,175 |
| 2026-06-11 | Kleiser Kirk E. | Director | 2026-06-10 | S | (1,000) | $16.04 | -$16,035 |
| 2026-06-11 | Kleiser Kirk E. | Director | 2026-06-10 | A | 1,058 | — | $0 |
| 2026-06-11 | Kleiser Kirk E. | Director | 2026-06-10 | P | 2,850 | $16.13 | $45,983 |
| 2026-06-11 | Kleiser Kirk E. | Director | 2026-06-10 | P | 2,350 | $16.09 | $37,800 |
| 2026-06-11 | Kleiser Kirk E. | Director | 2026-06-10 | P | 1,000 | $16.11 | $16,110 |
| 2026-06-11 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2026-06-10 | A | 5,290 | — | $0 |
| 2026-06-11 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2026-06-10 | A | 13,225 | — | $0 |
| 2025-12-22 | Scruggins Matthew L. | Director | 2025-12-18 | G | 332 | — | $0 |
| 2025-10-30 | Kleiser Kirk E. | Director | 2025-10-28 | S | (1,500) | $13.43 | -$20,145 |
| 2025-10-30 | Kleiser Kirk E. | Director | 2025-10-28 | S | (2,500) | $13.39 | -$33,475 |
| 2025-10-30 | Kleiser Kirk E. | Director | 2025-10-28 | S | (750) | $13.40 | -$10,048 |
| 2025-10-30 | Kleiser Kirk E. | Director | 2025-10-28 | P | 100 | $13.40 | $1,340 |
| 2025-10-30 | Kleiser Kirk E. | Director | 2025-10-28 | P | 4,650 | $13.41 | $62,356 |
| 2025-09-02 | Quebedeaux Amanda B. | Officer (Chief Operations Officer) | 2025-09-01 | F | (553) | $12.83 | -$7,095 |
| 2025-09-02 | Bourque Jacques L.J. | Officer (CHIEF FINANCIAL OFFICER) | 2025-09-01 | F | (131) | $12.83 | -$1,681 |
| 2025-09-02 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2025-09-01 | F | (1,158) | $12.83 | -$14,857 |
| 2025-06-13 | Kleiser Kirk E. | Director | 2025-06-11 | P | 200 | $12.25 | $2,450 |
| 2025-06-13 | Kleiser Kirk E. | Director | 2025-06-11 | P | 350 | $12.29 | $4,302 |
| 2025-06-13 | Kleiser Kirk E. | Director | 2025-06-11 | P | 300 | $12.23 | $3,670 |
| 2025-06-13 | Kleiser Kirk E. | Director | 2025-06-11 | P | 900 | $12.30 | $11,070 |
| 2025-06-12 | Ledet Don P | Officer (CHIEF RISK OFFICER) | 2025-06-10 | A | 2,000 | — | $0 |
| 2025-06-12 | Ledet Don P | Officer (CHIEF RISK OFFICER) | 2025-06-10 | A | 4,000 | — | $0 |
| 2025-06-12 | Scruggins Matthew L. | Director | 2025-06-10 | A | 1,058 | — | $0 |
| 2025-06-12 | Scruggins Matthew L. | Director | 2025-06-10 | A | 2,645 | — | $0 |
| 2025-06-12 | Bellard Ted D. | Director, Other (SECRETARY) | 2025-06-10 | A | 1,058 | — | $0 |
| 2025-06-12 | Bellard Ted D. | Director, Other (SECRETARY) | 2025-06-10 | A | 2,645 | — | $0 |
| 2025-06-12 | Kleiser Kirk E. | Director | 2025-06-10 | A | 1,058 | — | $0 |
| 2025-06-12 | Kleiser Kirk E. | Director | 2025-06-10 | A | 2,645 | — | $0 |
| 2025-06-12 | LeBouef Craig C. | Director | 2025-06-10 | A | 1,058 | — | $0 |
| 2025-06-12 | LeBouef Craig C. | Director | 2025-06-10 | A | 2,645 | — | $0 |
| 2025-06-12 | Lafleur Frederick R. | Director | 2025-06-10 | A | 1,058 | — | $0 |
| 2025-06-12 | Lafleur Frederick R. | Director | 2025-06-10 | A | 2,645 | — | $0 |
| 2025-06-12 | Kidder Todd A. | Director, Other (CHAIRMAN OF THE BOARD) | 2025-06-10 | A | 1,058 | — | $0 |
| 2025-06-12 | Kidder Todd A. | Director, Other (CHAIRMAN OF THE BOARD) | 2025-06-10 | A | 2,645 | — | $0 |
| 2025-06-12 | Quebedeaux Amanda B. | Officer (Chief Operations Officer) | 2025-06-10 | A | 2,000 | — | $0 |
| 2025-06-12 | Quebedeaux Amanda B. | Officer (Chief Operations Officer) | 2025-06-10 | A | 4,000 | — | $0 |
| 2025-06-12 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2025-06-10 | A | 5,290 | — | $0 |
| 2025-06-12 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2025-06-10 | A | 13,225 | — | $0 |
| 2025-06-12 | Bourque Jacques L.J. | Officer (CHIEF FINANCIAL OFFICER) | 2025-06-10 | A | 2,000 | — | $0 |
| 2025-06-12 | Bourque Jacques L.J. | Officer (CHIEF FINANCIAL OFFICER) | 2025-06-10 | A | 4,000 | — | $0 |
| 2024-12-04 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2024-12-03 | P | 6,250 | $11.87 | $74,169 |
| 2024-12-04 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2024-12-02 | P | 8,333 | $11.79 | $98,254 |
| 2024-12-04 | Ledet Don P | Officer (CHIEF RISK OFFICER) | 2024-12-01 | F | (574) | $11.85 | -$6,802 |
| 2024-11-22 | Kleiser Kirk E. | Director | 2024-11-22 | P | 1,900 | $11.63 | $22,106 |
| 2024-09-05 | Zanco Joseph B | Director, Officer (PRESIDENT AND CEO) | 2024-09-01 | F | (1,211) | $11.67 | -$14,132 |
| 2024-09-05 | Bourque Jacques L.J. | Officer (CHIEF FINANCIAL OFFICER) | 2024-09-01 | F | (136) | $11.67 | -$1,587 |
| 2024-09-05 | Quebedeaux Amanda B. | Officer (Chief Operations Officer) | 2024-09-01 | F | (574) | $11.67 | -$6,699 |