Catalyst Bancorp, Inc. (CLST) Income Statement
CLST 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCLST revenue and net income
Where CLST's revenue goes
2025Each bar shows an amount and its share of revenue. CLST kept 13.4% of revenue as net income.
CLST profit margins
CLST growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +55.3% | +19.4% | +10.6% | — |
| Gross profit | +122.3% | +8.7% | +11.1% | — |
| Operating income | — | +150.7% | — | — |
| Net income | — | +125.1% | — | — |
| EPS (diluted) | — | +110.5% | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CLST quarterly EPS vs estimates
Catalyst Bancorp beat the analyst EPS estimate in 1 of the last 1 quarters. Next report: October 22, 2026.
CLST income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Revenue | $15.3M | $9.9M | $11.0M | $9.0M | $10.1M | $9.3M | $9.3M |
| Cost of revenue | $4.2M | $4.8M | $2.1M | $308,000 | $135,000 | $2.7M | $2.0M |
| Gross profit | $11.2M | $5.0M | $8.9M | $8.7M | $10.0M | $6.6M | $7.3M |
| Sales, general & admin | $6.0M | $5.6M | $5.5M | $5.6M | $5.1M | $4.6M | $3.9M |
| Total operating expenses | $8.7M | $9.0M | $8.3M | $8.6M | $7.6M | $7.8M | $5.6M |
| Operating income | $2.5M | −$4.0M | $587,000 | $159,000 | $2.4M | −$1.2M | $1.7M |
| Interest income | $13.9M | $13.9M | $9.2M | $8.0M | $7.7M | $8.5M | $9.0M |
| Interest expense | $4.1M | $4.3M | $2.0M | $683,000 | $795,000 | $1.7M | $1.9M |
| Income before taxes | $2.5M | −$4.0M | $587,000 | $159,000 | $2.4M | −$1.2M | $1.7M |
| Income taxes | $452,000 | −$894,000 | $61,000 | −$21,000 | $484,000 | −$474,000 | $329,000 |
| Net income | $2.1M | −$3.1M | $526,000 | $180,000 | $1.9M | −$703,000 | $1.3M |
| EBITDA | $2.9M | −$3.6M | $990,000 | $607,000 | $2.8M | −$830,000 | $2.0M |
| EPS (diluted) | $0.56 | −$0.74 | $0.13 | $0.06 | $0.32 | −$0.13 | — |
| Gross margin | 72.8% | 50.9% | 81.1% | 96.6% | 98.7% | 71.0% | 78.7% |
| Operating margin | 16.3% | −40.3% | 5.3% | 1.8% | 23.8% | −12.7% | 17.8% |
| Net margin | 13.4% | −31.3% | 4.8% | 2.0% | 19.0% | −7.6% | 14.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.9M | $3.9M | $3.9M | $3.8M | $3.8M | $3.9M | $3.8M | $4.3M | $3.9M | $0 | $3.2M | $2.7M |
| Cost of revenue | $889,000 | $954,999 | $1.1M | $1.0M | $993,000 | $1.0M | $1.0M | $1.5M | $1.2M | $1.2M | $771,000 | $521,000 |
| Gross profit | $3.1M | $3.0M | $2.8M | $2.8M | $2.8M | $2.9M | $2.8M | $2.8M | $2.7M | −$3.2M | $2.4M | $2.2M |
| Sales, general & admin | $1.6M | $1.5M | $1.5M | $1.5M | $1.4M | $1.4M | $1.5M | $1.4M | $1.3M | $1.4M | $1.5M | $1.3M |
| Total operating expenses | $2.4M | $2.3M | $2.2M | $2.2M | $2.1M | $2.2M | $2.0M | $2.2M | $2.0M | $2.7M | $2.1M | $2.0M |
| Operating income | $676,000 | $684,000 | $551,000 | $599,000 | $634,000 | $720,000 | $771,000 | $555,000 | $647,000 | −$6.0M | $382,000 | $173,000 |
| Interest income | $3.6M | $3.6M | $3.5M | $3.5M | $3.5M | $3.4M | $3.5M | $3.7M | $3.5M | $3.2M | $2.6M | $2.5M |
| Interest expense | $993,000 | $1.0M | $1.0M | $1.1M | $993,000 | $1.0M | $1.0M | $1.1M | $1.1M | $1.1M | $643,000 | $521,000 |
| Income before taxes | $676,000 | $684,000 | $551,000 | $599,000 | $634,000 | $720,000 | $771,000 | $555,000 | $647,000 | −$6.0M | $382,000 | $173,000 |
| Income taxes | $152,000 | $126,000 | $95,000 | $110,000 | $113,000 | $134,000 | $145,000 | $108,000 | $120,000 | −$1.3M | $62,000 | $22,000 |
| Net income | $524,000 | $558,000 | $456,000 | $489,000 | $521,000 | $586,000 | $626,000 | $447,000 | $527,000 | −$4.7M | $320,000 | $151,000 |
| EBITDA | $676,000 | $789,000 | $658,000 | $706,000 | $739,000 | $823,000 | $877,000 | $659,000 | $748,000 | −$5.9M | $484,000 | $272,000 |
| EPS (diluted) | $0.14 | $0.15 | $0.13 | $0.13 | $0.14 | $0.16 | $0.16 | $0.11 | $0.13 | −$1.14 | $0.07 | $0.04 |
| Gross margin | 77.5% | 75.7% | 70.8% | 73.0% | 73.7% | 74.2% | 72.9% | 65.4% | 69.6% | — | 76.0% | 80.8% |
| Operating margin | 17.1% | 17.4% | 14.2% | 15.7% | 16.8% | 18.4% | 20.1% | 13.0% | 16.7% | — | 11.9% | 6.4% |
| Net margin | 13.3% | 14.2% | 11.7% | 12.9% | 13.8% | 15.0% | 16.3% | 10.5% | 13.6% | — | 10.0% | 5.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CLST's financial statements (latest annual report filed March 31, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CLST financial results
In fiscal year 2025 (ended December 31, 2025), Catalyst Bancorp reported revenue of $15.3 million, up 55.3% from the year before. It had net income of $2.1 million, a net profit margin of 13.4%. Diluted earnings per share came to $0.56. Over five years revenue grew at an average rate of 10.6% a year.
See the CLST stock overview for the latest quote and news, or the CLST chart for price history and technical indicators.
CLST income statement FAQ
What is Catalyst Bancorp's annual revenue?
Catalyst Bancorp reported total revenue of $15.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 55.3% from $9.9 million the previous year.
Is Catalyst Bancorp profitable?
Yes. Catalyst Bancorp reported net income of $2.1 million in fiscal 2025, a net profit margin of 13.4%; its operating margin was 16.3%.
What is Catalyst Bancorp's gross margin?
Catalyst Bancorp's gross margin was 72.8% in fiscal 2025: for every $100 of revenue, Catalyst Bancorp kept $73 after the direct cost of its products and services.
How fast is Catalyst Bancorp growing?
Revenue grew 10.6% a year on average over the last five fiscal years, from $9.3 million to $15.3 million.
What are Catalyst Bancorp's earnings per share?
Catalyst Bancorp earned $0.56 per diluted share in fiscal 2025, compared with $-0.74 a year earlier.
When will Catalyst Bancorp report its next earnings?
Catalyst Bancorp is expected to report results for the quarter ending September 30, 2026 on October 22, 2026.
When does Catalyst Bancorp's fiscal year end?
Catalyst Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 31, 2026.