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Upturn AI SWOT - About
Catalyst Bancorp Inc (CLST)
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Upturn Advisory Summary
09/15/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 9.83% | Avg. Invested days 61 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
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 |
Upturn AI SWOT
Catalyst Bancorp Inc
Company Overview
History and Background
Catalyst Bancorp, Inc. was established in 1924 as First Federal Savings and Loan Association of Lafayette. The company changed its name to Catalyst Bancorp, Inc. in 2020 to reflect a broader commitment to community banking and growth. They converted from a mutual to a stock form of ownership.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending services, including business loans, real estate financing, and lines of credit to small and medium-sized businesses.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and other banking services to individuals and families.
- Wealth Management: Provides wealth management and trust services.
Leadership and Structure
Catalyst Bancorp Inc. is led by President and Chief Executive Officer, Joe Zanco. The organizational structure includes departments for lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial properties. Market share information is difficult to find. Competitors include other local and regional banks such as IBERIABANK (now First Horizon) and Hancock Whitney.
- Residential Mortgages: Mortgages for homebuyers. Market share information is difficult to find. Competitors include national mortgage lenders and other local banks.
- Deposit Accounts: Checking, savings, and money market accounts. Market share information is difficult to find. Competitors include other regional and national banks like Regions and Chase.
Market Dynamics
Industry Overview
The banking industry is facing increasing competition, regulatory pressures, and technological disruption. Interest rates and economic conditions significantly impact profitability.
Positioning
Catalyst Bancorp Inc. is positioned as a community-focused bank providing personalized service. Its competitive advantages lie in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market is the banking sector in Louisiana, which is multi-billion dollar market. Catalyst Bancorp Inc's position is a regional community bank aiming to service this market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Solid deposit base
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Reliance on traditional banking services
- Lower brand recognition outside its primary market
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- HWC (Hancock Whitney Corporation)
- FHN (First Horizon Corporation)
- ONB (Old National Bancorp)
- BOKF (BOK Financial Corporation)
Competitive Landscape
Catalyst Bancorp Inc. faces significant competition from larger regional and national banks. Its advantage lies in its local focus and personalized service, but it needs to invest in technology and expand its reach to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would require analysis of past financial statements.
Future Projections: Future growth projections require analyst estimates, which may be available from financial research firms.
Recent Initiatives: Recent initiatives would be found in press releases and company reports.
Summary
Catalyst Bancorp is a small community bank with a strong local presence. While it has solid customer relationships, it faces challenges from larger competitors and needs to adapt to changing technology. Growth opportunities exist through expansion and acquisitions, but economic downturns and regulatory changes pose threats. The bank's future depends on its ability to innovate and maintain its customer-centric approach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where available)
- Financial News Outlets
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is limited due to the company's size and regional focus.
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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