Catalyst Bancorp, Inc. (CLST) Key Metrics
CLST valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $68.5M
- Enterprise value
- $33.7M
- P/E (TTM)
- 30.3 10-yr median 61.5
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 5.9 10-yr median 4.7
- Price / book
- 0.9 10-yr median 0.6
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 0.11
CLST key metrics, 2019–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCLST valuation Price multiples at each fiscal year-end price.
CLST returns How much profit the business earns on the capital it uses.
CLST per-share figures Results divided by the shares outstanding at year-end.
CLST financial health Debt, liquidity and how easily interest is covered.
CLST efficiency & capital use Working capital cycle and where the cash goes.
CLST valuation history
CLST returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CLST debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CLST cash returned to shareholders
CLST price vs earnings per share
CLST key metrics
2019–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Valuation | |||||||
| Market capitalization | $58.7M | $46.4M | $46.6M | $57.1M | $65.9M | — | — |
| Enterprise value | −$676,500 | −$17.1M | $35.3M | −$26.7M | −$54.3M | — | — |
| P/E ratio | 28.6 | — | 88.6 | 317.5 | 34.4 | — | — |
| Price / sales | 3.8 | 4.7 | 4.2 | 6.3 | 6.5 | — | — |
| Price / book | 0.7 | 0.6 | 0.6 | 0.6 | 0.7 | — | — |
| Price / free cash flow | 18.9 | 16.9 | 25.4 | 109.9 | 34.4 | — | — |
| Price / operating cash flow | 17.9 | 14.6 | 23.2 | 74.0 | 19.2 | — | — |
| EV / sales | -0.0 | -1.7 | 3.2 | -3.0 | -5.4 | — | — |
| EV / EBITDA | — | — | 35.7 | — | — | — | — |
| EV / free cash flow | — | — | 19.2 | — | — | — | — |
| Earnings yield | 3.5% | −6.7% | 1.1% | 0.3% | 2.9% | — | — |
| Free cash flow yield | 5.3% | 5.9% | 3.9% | 0.9% | 2.9% | — | — |
| Dividend yield | — | — | — | 0.0% | 0.0% | — | — |
| Shareholder yield (dividends + buybacks) | 4.4% | 12.4% | 13.5% | 4.1% | 6.4% | — | — |
| Share price at fiscal year-end | $15.75 | $11.77 | $10.84 | $12.70 | $13.67 | — | — |
| Per share | |||||||
| Revenue per share | $4.12 | $2.51 | $2.56 | $2.00 | $2.10 | $1.76 | $1.76 |
| Earnings per share | $0.55 | −$0.78 | $0.12 | $0.04 | $0.40 | −$0.13 | $0.25 |
| Operating cash flow per share | $0.88 | $0.81 | $0.47 | $0.17 | $0.71 | $0.16 | $0.32 |
| Free cash flow per share | $0.83 | $0.70 | $0.43 | $0.12 | $0.40 | $0.06 | −$0.11 |
| Cash per share | $19.89 | $18.53 | $4.80 | $20.68 | $26.82 | $8.69 | $6.07 |
| Book value per share | $21.93 | $20.36 | $19.66 | $19.67 | $20.46 | $9.55 | $9.66 |
| Tangible book value per share | $21.93 | $20.36 | $19.66 | $19.67 | $20.46 | $9.55 | $9.66 |
| Dividends per share | — | — | — | $0.00 | $0.00 | — | — |
| Capex per share | $0.05 | $0.11 | $0.04 | $0.06 | $0.31 | $0.10 | $0.43 |
| Debt per share | $3.95 | $2.43 | $2.18 | $2.04 | $1.87 | $1.67 | $4.73 |
| Shares outstanding | 3.7M | 3.9M | 4.3M | 4.5M | 4.8M | 5.3M | 5.3M |
| Change in shares outstanding | −5.4% | −8.4% | −4.4% | −6.6% | −8.9% | 0.0% | — |
| Returns & profitability | |||||||
| Return on equity (ROE) | 2.5% | −3.7% | 0.6% | 0.2% | 2.6% | −1.4% | 2.6% |
| Return on invested capital (ROIC) | 10.5% | −7.0% | 1.4% | — | — | −3.2% | 3.0% |
| Return on assets (ROA) | 0.7% | −1.1% | 0.2% | 0.1% | 0.8% | −0.3% | 0.6% |
| Return on tangible assets | 0.7% | −1.1% | 0.2% | 0.1% | 0.7% | −0.3% | 0.6% |
| Free cash flow margin | 20.2% | 27.8% | 16.7% | 5.8% | 19.0% | 3.3% | −6.3% |
| Income quality (OCF / net income) | 1.60 | — | 3.82 | 4.29 | 1.79 | — | 1.29 |
| Financial health | |||||||
| Total debt | $14.7M | $9.6M | $9.4M | $9.2M | $9.0M | $8.8M | $25.0M |
| Cash & short-term investments | $74.1M | $73.0M | $20.7M | $93.1M | $129.2M | $46.0M | $32.1M |
| Net debt | −$59.4M | −$63.4M | −$11.3M | −$83.9M | −$120.2M | −$37.1M | −$7.1M |
| Debt / equity | 0.18 | 0.12 | 0.11 | 0.10 | 0.09 | 0.17 | 0.49 |
| Debt / assets | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.11 |
| Net debt / EBITDA | −20.29 | — | −11.39 | −138.18 | −42.58 | — | −3.65 |
| Current ratio | 0.40 | 0.40 | 0.13 | 0.57 | 0.73 | 0.28 | 0.23 |
| Quick ratio | 0.40 | 0.40 | 1.13 | −0.15 | 0.97 | 0.44 | 0.37 |
| Interest coverage | 0.6 | -0.9 | 0.3 | 0.2 | 3.0 | -0.7 | 0.9 |
| Working capital | −$110.3M | −$111.8M | −$144.1M | −$71.3M | −$47.0M | −$118.1M | −$108.9M |
| Invested capital | $22.4M | $16.8M | $73.3M | $4.6M | −$21.7M | $13.4M | $44.0M |
| Tangible asset value | $81.7M | $80.2M | $84.6M | $88.5M | $98.6M | $50.5M | $51.1M |
| Net current asset value | −$126.2M | −$122.6M | −$164.8M | −$81.1M | −$57.3M | −$127.6M | −$134.7M |
| Graham number | $16.49 | — | $7.36 | $4.21 | $13.53 | — | $7.39 |
| Graham net-net per share | −$33.93 | −$31.19 | −$57.55 | −$4.82 | −$16.25 | −$26.63 | −$27.33 |
| Capital allocation | |||||||
| Dividends paid | — | — | — | $15,000 | $5,000 | — | — |
| Share buybacks (net) | $2.6M | $5.8M | $6.3M | $2.3M | $4.2M | — | — |
| Dividend payout ratio | — | — | — | 8.3% | 0.3% | — | — |
| Dividends + buybacks / free cash flow | 83.4% | 210.0% | 344.0% | 452.9% | 221.1% | — | — |
| Capex / revenue | 1.2% | 4.4% | 1.6% | 2.8% | 15.0% | 5.9% | 24.7% |
| Capex / operating cash flow | 5.7% | 13.6% | 8.6% | 32.6% | 44.1% | 63.8% | 134.0% |
| Capex / depreciation | 0.45 | 1.04 | 0.43 | 0.56 | 3.57 | 1.58 | 7.74 |
| Stock-based compensation / revenue | 5.8% | 8.2% | 7.0% | 5.2% | 0.7% | 0.0% | — |
| SG&A / revenue | 39.0% | 56.8% | 49.9% | 62.6% | 50.8% | 49.1% | 42.2% |
| Efficiency | |||||||
| Days sales outstanding | 20.9 | 32.5 | 26.2 | 25.3 | 20.7 | 22.4 | 22.7 |
| Days of inventory on hand | — | — | -4,001.6 | 45,825.9 | -91,962.4 | -3,105.1 | -3,599.4 |
| Days payables outstanding | — | — | — | 202,580.3 | 461,512.8 | 20,775.6 | 26,082.0 |
| Cash conversion cycle (days) | — | — | — | -156,729.1 | -553,454.5 | -23,858.4 | -29,658.7 |
| Receivables turnover | 17.45 | 11.24 | 13.93 | 14.41 | 17.67 | 16.28 | 16.09 |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.02 | 0.01 |
| Inventory turnover | — | — | — | 0.01 | — | — | — |
| Asset turnover | 0.05 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 |
| Average receivables | $879,000 | $878,500 | $789,500 | $626,000 | $571,500 | $570,500 | $577,000 |
| Average payables | — | — | — | $170.9M | $170.7M | $153.1M | $141.6M |
| Average inventory | — | — | −$22.8M | $38.7M | −$34.0M | −$22.9M | −$19.5M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from CLST's annual financial statements (latest annual report filed March 31, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CLST valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Catalyst Bancorp traded at 28.6 times earnings, against a 7-year median of 61.5. Based on the latest twelve months, the trailing P/E is 30.3. Catalyst Bancorp earned a return on equity of 2.5% and a return on invested capital of 10.5% in fiscal 2025. It ended the year with $14.7 million of debt and $74.1 million in cash and short-term investments, a net cash position of $59.4 million. It returned $2.6 million to shareholders: $0 in dividends and $2.6 million in share buybacks, 83% of free cash flow. The share count fell 29.6% from 5.3M to 3.7M over 6 years.
See the CLST income statement, the CLST chart for price history, or the CLST stock overview for the latest quote and news.
CLST key metrics FAQ
What is Catalyst Bancorp's P/E ratio?
Catalyst Bancorp's trailing P/E ratio is 30.3 based on the last twelve months of earnings (as of October 17, 2026). At the end of fiscal 2025 it was 28.6, compared with a 7-year median of 61.5.
What is Catalyst Bancorp's return on equity?
Catalyst Bancorp's return on equity (ROE) was 2.5% in fiscal 2025: net income of $2.1 million on average shareholders' equity of $81.0 million.
What is Catalyst Bancorp's ROIC?
Catalyst Bancorp's return on invested capital was 10.5% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Catalyst Bancorp have?
Catalyst Bancorp had total debt of $14.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.18 and more cash than debt.
Does Catalyst Bancorp buy back its shares?
Yes. Catalyst Bancorp spent $2.6 million on net share repurchases in fiscal 2025 Shares outstanding changed −5.4% over the year, to 3.7M..
What is Catalyst Bancorp's free cash flow yield?
Catalyst Bancorp generated $3.1 million of free cash flow in fiscal 2025, a free cash flow yield of 5.3% on its market value at year-end ($58.7 million).
What is Catalyst Bancorp's current ratio?
Catalyst Bancorp's current ratio was 0.40 at the end of fiscal 2025: current assets were 0.40 times current liabilities.