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Upturn AI SWOT - About
Catalyst Bancorp Inc (CLST)
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Upturn Advisory Summary
06/30/2025: CLST (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.35% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 52.17M USD | Price to earnings Ratio 23.55 | 1Y Target Price - |
Price to earnings Ratio 23.55 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.16 | 52 Weeks Range 10.67 - 12.76 | Updated Date 06/29/2025 |
52 Weeks Range 10.67 - 12.76 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.53 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.42% | Operating Margin (TTM) 27.72% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 2.7% |
Valuation
Trailing PE 23.55 | Forward PE - | Enterprise Value 15748040 | Price to Sales(TTM) 4.63 |
Enterprise Value 15748040 | Price to Sales(TTM) 4.63 | ||
Enterprise Value to Revenue 5.28 | Enterprise Value to EBITDA - | Shares Outstanding 4180600 | Shares Floating 3049137 |
Shares Outstanding 4180600 | Shares Floating 3049137 | ||
Percent Insiders 16.55 | Percent Institutions 19.13 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Catalyst Bancorp Inc
Company Overview
History and Background
Catalyst Bancorp, Inc. operates as the holding company for Catalyst Bank, which provides various banking products and services in Louisiana. While specific founding details and historical milestones are not readily available publicly, the company focuses on community banking in its operating region.
Core Business Areas
- Commercial Banking: Offers a range of loan products, including commercial real estate loans, commercial and industrial loans, and other business-related financing solutions.
- Retail Banking: Provides deposit accounts, such as checking, savings, and money market accounts, along with residential mortgage loans, consumer loans, and other personal banking services.
- Wealth Management: Offers trust and investment management services.
Leadership and Structure
Information regarding Catalyst Bancorp Inc.'s Leadership and Structure is not readily available in the immediate search results. Further research is necessary to provide details on leadership and organizational structure.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available, and competition includes larger national and regional banks. Competitors: Regions Financial, Hancock Whitney, and local credit unions.
- Residential Mortgage Loans: Offers mortgages for home purchases and refinancing. Market share data is not readily available. Competitors: Regions Financial, Hancock Whitney, and local mortgage brokers.
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share data is not readily available. Competitors: Regions Financial, Hancock Whitney, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as interest rate fluctuations, regulatory changes, and increasing competition from fintech companies. Banks face pressure to adapt to digital transformation and evolving customer expectations.
Positioning
Catalyst Bancorp Inc. is positioned as a community bank, focusing on serving the needs of individuals and businesses in its local market. Its competitive advantage lies in personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana is estimated to be in the billions of dollars. Catalyst Bancorp Inc. holds a small portion of this TAM, competing with larger regional and national banks.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Strong relationships with local businesses
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger competitors
- Reliance on traditional banking channels
- Limited diversification of revenue streams
Opportunities
- Expansion into new markets within Louisiana
- Increased adoption of digital banking services
- Growth in commercial lending activity
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Louisiana
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- RF
- HBHC
- CADE
Competitive Landscape
Catalyst Bancorp Inc faces significant competition from larger regional banks with greater resources and broader service offerings. Its competitive advantage lies in its local focus and personalized customer service, but it must continue to innovate to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require specific data access and can not be readily generated.
Future Projections: Future projections require analyst estimates data access and can not be readily generated.
Recent Initiatives: Recent initiatives data requires specific data access and can not be readily generated.
Summary
Catalyst Bancorp Inc. is a smaller community bank operating in a competitive market. Its strengths lie in local relationships and customer service, but it faces challenges from larger competitors. The bank needs to focus on digital transformation and strategic growth initiatives to improve its market position and enhance long-term profitability and continue on its growth trajection.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information, financial news sources, and competitor analysis.
Disclaimers:
This analysis is based on limited available information and should not be considered financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Catalyst Bancorp Inc
Exchange NASDAQ | Headquaters Opelousas, LA, United States | ||
IPO Launch date 2021-10-13 | President, CEO & Director Mr. Joseph B. Zanco CPA, CIA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 49 | Website https://catalystbank.com |
Full time employees 49 | Website https://catalystbank.com | ||
Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking products and services to individuals and businesses in Louisiana. The company accepts various deposit products, including demand and NOW accounts, money market accounts, savings accounts, and certificates of deposit. It also offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans, consumer loans, and other loans. In addition, the company invests in various types of securities, such as mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. Catalyst Bancorp, Inc. was founded in 1922 and is headquartered in Opelousas, Louisiana.
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