CLST
Catalyst Bancorp, Inc.Financial Services·Banks - Regional
$15.92
$65M market cap
Revenue
$7.8M
Free Cash Flow
$1.4M
Rev Growth
+0.0%
FCF Margin
18.6%
P/FCF
44.5x
EV/FCF
47.8x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Catalyst Bancorp, Inc. operates as a holding company for St. Landry Homestead Federal Savings Bank that provides banking products and services in the Acadiana region of south-central Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers one- to four-family residential mortgage, commercial real estate loans and multi-family residential, construction and land, commercial and i
2-Year Price History
$15.91+36.8%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 3.9 | 0.7 | 0.7 | 0.6 | 0.7 | 0.7 | -0.0 | 4.9 | 9.8 | 3.7 | 6.1% | 0.7x | -- |
| Act | 2025-Q4 | 3.9 | 0.6 | 0.6 | 0.5 | 0.8 | 0.8 | -0.0 | 74.1 | 14.7 | 3.7 | 4.4% | 0.5x | -- |
Valuation & Metrics
Market Stats
Price$15.92
Market Cap$65M
Enterprise Value$69M
P/S Ratio8.3x
P/FCF44.5x
EV/FCF47.8x
FCF Margin (TTM)18.6%
FCF Yield2.2%
Dividend Yield (TTM)--
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$7.8M
Net Income$1.0M
Free Cash Flow$1.4M
Revenue Growth (YoY)+0.0%
EBITDA Margin15.8%
Net Margin13.0%
FCF Margin18.6%
CapEx % of Revenue0.1%
SBC % of Revenue3.2%
ROIC5.3%
WC Change % Rev0.7%
Interest Coverage0.6x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.0M
Days to Cover2.8
Change (vs Prior)-11.8%
Need at least 2 settlement dates for chart
Employees
Headcount49
Revenue / Employee$159,490
Gross Profit / Employee$116,796
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
16.9%(+9.5% YoY)
16 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
8.2%(+1.7% YoY)
5 filers
Vanguard, iShares, SPDR
Market makers
0.3%(+0.3% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Stilwell Value LLC | $4.7M | $14.90 | +$459K | +$4.0M | -0.3% | $96.1M |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $3.3M | $11.77 | +$36K | +$243K | -0.6% | $113M |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $3.1M | $16.56 | +$3.1M | +$3.1M | — | $4.04T |
| BlackRock, Inc.Passive | $1.1M | $11.47 | +$13K | −$1K | -0.2% | $5.69T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $571K | $11.78 | −$0 | −$77K | +2.3% | $1.61T |
| ALLIANCEBERNSTEIN L.P. | $498K | $13.33 | −$127K | −$120K | -0.3% | $307.70B |
| Montz Harcus Wealth Management LLC | $497K | $11.65 | +$0 | +$0 | +0.3% | $247M |
| Kestra Advisory Services, LLC | $414K | $11.85 | −$166K | +$414K | -0.4% | $26.28B |
| VANGUARD FIDUCIARY TRUST COPassive | $401K | $16.56 | +$401K | +$401K | — | $395.83B |
| RENAISSANCE TECHNOLOGIES LLC | $384K | $11.56 | −$2K | +$5K | +1.2% | $63.91B |
| Summit Financial Wealth Advisors, LLC | $301K | $11.50 | +$0 | +$0 | +0.1% | $705M |
| WITTENBERG INVESTMENT MANAGEMENT, INC. | $226K | $11.40 | +$0 | +$0 | -0.0% | $268M |
| CITADEL ADVISORS LLC | $215K | $11.72 | +$13K | +$215K | -0.4% | $138.22B |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $186K | $13.53 | +$0 | +$0 | -0.2% | $1.96B |
| SUSQUEHANNA INTERNATIONAL GROUP, LLPMM | $179K | $16.56 | +$179K | +$179K | -0.6% | $77.14B |
| RAFFLES ASSOCIATES LP | $175K | $13.53 | +$0 | +$0 | -1.2% | $115M |
| Vanguard Global Advisers, LLCPassive | $19K | $16.56 | +$19K | +$19K | — | $186.48B |
| American Capital Advisory, LLC | $2K | $11.03 | +$0 | −$4K | -0.3% | $247M |
| Golden State Wealth Management, LLC | $1K | $11.77 | +$0 | +$0 | +1.3% | $914M |
| UBS Group AG | $0 | $11.76 | +$0 | −$99K | -0.3% | $562.11B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.28%
avg per quarter
Holders (ex-self)
-0.30%
excl. this stock
Buyers (this Q)
-0.34%
9 buyers · $0.00B in
Sellers (this Q)
+0.48%
4 sellers · $-0.00B out
alpha coverage: 78% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+26.7%
how holders react when this stock falls
On quiet Qs
-1.7%
−10% to +10% baseline
On rallies (+10%+)
-7.3%
how they react when this stock rises
Holders' portfolio flow this Q
-5.3%
outflows — trims may be forced
Sellers' portfolio flow this Q
+0.0%
Sellers' overall flow ~ flat.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-0.9%
Holder mid (any stock)
-3.2%
Holder rally (any stock)
-3.2%
Biggest decreases this quarter
New buyers this quarter
Top-5 holders · 78.5%
Stilwell Value LLC--
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC--
VANGUARD CAPITAL MANAGEMENT LLC--
BlackRock, Inc.--
GEODE CAPITAL MANAGEMENT, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Stilwell Value LLC282KALLIANCEBERNSTEIN L.P.32KMurchinson Ltd.—GRAHAM CAPITAL WEALTH MANAGEMENT, LLC197KM3F, Inc.—Montz Harcus Wealth Management LLC30KKestra Advisory Services, LLC25KArcus Capital Partners, LLC—WITTENBERG INVESTMENT MANAGEMENT, INC.14KBHZ CAPITAL MANAGEMENT, LP—
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$85K
2 txns · 1 insider · 6,500 sh
Sells ($, 12mo)
$64K
1 txn · 1 insider · 4,750 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-10-28 | BUY | Kleiser Kirk E. | director | 4,750 | $13.41 | $64K | $238K |
| 2025-10-28 | SELL | Kleiser Kirk E. | director | 4,750 | $13.40 | $64K | $0 |
| 2025-06-11 | BUY | Kleiser Kirk E. | director | 1,750 | $12.28 | $21K | $160K |
Order Flow (FINRA, ~3w lag)
39.9%retail-19.6pp
2.8%dark+5.8pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Catalyst Bancorp, Inc.: Solid Equity Buffer Masking Sharp Credit Quality Deterioration
Overall Risk
4/10
Fraud
3/10
Dilution
2/10
Insolvency
2/10
Earnings Overstated
5/10
Hidden Liabilities
4/10
Legal
2/10
Audit Warnings
3/10
Hidden Upside
7/10
Contextually Acceptable
6/10