Catalyst Bancorp, Inc. (CLST) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Catalyst Bancorp reported revenue of $11.1M, up 95.4% from $5.7M the year before. Net income was $2.1M (a 18.4% net margin), or $0.56 per diluted share. Net interest income was $9.8M, and the efficiency ratio (noninterest expense / revenue) was 77.0%. Operating activities generated $3.3M of cash, leaving $3.1M of free cash flow. At fiscal year end, Catalyst Bancorp held $282.9M in total assets against $201.2M in total liabilities, including $25.2M of cash and equivalents.
Open the full interactive Catalyst Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Catalyst Bancorp Key Stats
| Share Price | $17.25 |
|---|---|
| Market Cap | $62.9M |
| P/E Ratio | 30.8 |
| Revenue YoY Growth | +95.4% |
| 52-Week Range | $13.25 – $18.15 |
| Shares Outstanding | 3.6 million (basic, 2026 Q2) |
Catalyst Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $6.9M | $7.3M | $7.8M | $9.5M | $9.8M |
| Provision for Credit Losses | -$660,000 | -$375,000 | $128,000 | $531,000 | $60,000 |
| Noninterest Income | $2.6M | $1.2M | $1.6M | -$3.8M | $1.4M |
| Noninterest Expense | $7.8M | $8.7M | $8.6M | $9.2M | $8.6M |
| Revenue | $9.5M | $8.5M | $9.4M | $5.7M | $11.1M |
| Pre-Tax Income | $2.4M | $159,000 | $683,000 | -$4.0M | $2.5M |
| Income Tax | $487,000 | -$21,000 | $81,000 | -$894,000 | $452,000 |
| Net Income | $1.9M | $180,000 | $602,000 | -$3.1M | $2.1M |
| Diluted EPS | — | $0.04 | $0.14 | -$0.78 | $0.56 |
Catalyst Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $2.8M | $2.7M | $2.9M | $3.0M |
| Net Income | $489,000 | $456,000 | $558,000 | $524,000 |
| Diluted EPS | $0.13 | $0.12 | $0.15 | $0.14 |
Catalyst Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $40.9M | $13.5M | $19.0M | $44.3M | $25.2M |
| Loans (Net) | — | — | $142.8M | $164.6M | $167.8M |
| Total Assets | $285.3M | $263.3M | $270.9M | $276.7M | $282.9M |
| Deposits | $176.8M | $165.1M | $165.6M | $185.7M | $185.3M |
| Total Long-Term Debt | $9.0M | $9.2M | $19.4M | $9.6M | $14.7M |
| Total Liabilities | $187.0M | $174.8M | $186.3M | $196.5M | $201.2M |
| Shareholders' Equity | $98.3M | $88.5M | $84.7M | $80.2M | $81.7M |
Catalyst Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $3.4M | $772,000 | $2.0M | $3.2M | $3.3M |
| Cash From Investing | -$46.6M | -$14.1M | -$267,000 | $17.8M | -$24.4M |
| Cash From Financing | $58.8M | -$14.0M | $3.8M | $4.3M | $2.0M |
| Free Cash Flow | $1.9M | $520,000 | $1.8M | $2.7M | $3.1M |
Figures from Catalyst Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Catalyst Bancorp financials page for every line item.
Catalyst Bancorp Company Profile
| Ticker | CLST |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Opelousas, Louisiana |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0001849867 |
Frequently Asked Questions
What was Catalyst Bancorp's revenue in fiscal 2025?
Catalyst Bancorp (CLST) reported revenue of $11.1M for fiscal 2025.
What is Catalyst Bancorp's annual revenue history?
Catalyst Bancorp's annual revenue by fiscal year: 2021: $9.5M; 2022: $8.5M; 2023: $9.4M; 2024: $5.7M; 2025: $11.1M.
What was Catalyst Bancorp's net income in fiscal 2025?
Catalyst Bancorp reported net income of $2.1M for fiscal 2025.
What was Catalyst Bancorp's earnings per share (EPS) in fiscal 2025?
Catalyst Bancorp's diluted EPS was $0.56 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Catalyst Bancorp generate in fiscal 2025?
Catalyst Bancorp generated $3.1M of free cash flow in fiscal 2025.
What was Catalyst Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Catalyst Bancorp reported revenue of $3.0M.
How much debt does Catalyst Bancorp have?
Catalyst Bancorp reported $14.7M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Catalyst Bancorp are outstanding?
Catalyst Bancorp reported a weighted average of 3.6 million basic shares outstanding in 2026 Q2.
What is Catalyst Bancorp's market cap?
Based on its latest closing price, Catalyst Bancorp (CLST) has a market capitalization of about $62.9M.
Where is Catalyst Bancorp headquartered?
Catalyst Bancorp lists its business address in Opelousas, Louisiana in its SEC filings.
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