Catalyst Bancorp, Inc. Fundamental Analysis (NASDAQ: CLST)
Catalyst Bancorp, Inc. Fundamental Analysis (NASDAQ: CLST)
Catalyst Bancorp, Inc. (NASDAQ: CLST) shows moderate financial fundamentals with a PE ratio of 30.57, profit margin of 13.02%, and ROE of 2.47%. The company generates $0.0B in annual revenue with strong year-over-year growth of 55.33%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 52.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CLST's fundamental strength across five key dimensions:
Efficiency Score
WeakCLST struggles to generate sufficient returns from assets.
Valuation Score
ModerateCLST shows balanced valuation metrics.
Growth Score
ModerateCLST shows steady but slowing expansion.
Financial Health Score
ModerateCLST shows balanced financial health with some risks.
Profitability Score
ModerateCLST maintains healthy but balanced margins.
Key Financial Metrics
Is CLST Expensive or Cheap?
P/E Ratio
CLST trades at 30.57 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, CLST's PEG of 0.31 indicates potential undervaluation.
Price to Book
The market values Catalyst Bancorp, Inc. at 0.74 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 23.26 times EBITDA. This signals the market has high growth expectations.
How Well Does CLST Make Money?
Net Profit Margin
For every $100 in sales, Catalyst Bancorp, Inc. keeps $13.02 as profit after all expenses.
Operating Margin
Core operations generate 16.13 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.47 in profit for every $100 of shareholder equity.
ROA
Catalyst Bancorp, Inc. generates $0.70 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Catalyst Bancorp, Inc. produces operating cash flow of $3.86M, showing steady but balanced cash generation.
Free Cash Flow
Catalyst Bancorp, Inc. generates strong free cash flow of $3.76M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.93 in free cash annually.
FCF Yield
CLST converts 4.57% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
30.57
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.31
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.74
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.54
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How CLST Stacks Against Its Sector Peers
| Metric | CLST Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 30.57 | 21.07 | Worse (Expensive) |
| ROE | 2.47% | 647.00% | Weak |
| Net Margin | 13.02% | -1593.00% (disorted) | Strong |
| Debt/Equity | 0.12 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 911.99 | Weak Liquidity |
| ROA | 0.70% | -578.00% (disorted) | Weak |
CLST outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Catalyst Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
134.63%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
514.75%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
444.98%
Industry Style: Value, Dividend, Cyclical
High Growth