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Upturn AI Summary - About
Catalyst Bancorp Inc(CLST)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CLST
09/25/2026: CLST (3-star) is a STRONG-BUY. BUY for 69 days. Simulated Profits (8.95%). Updated daily EoD!
Catalyst Bancorp Inc is a regional bank holding company centered on providing community-focused financial services. The company's strengths lie in its localized customer relationships and expertise in serving local business needs. Its primary growth opportunity involves modernizing its digital service platform to better compete in a digital-first environment while maintaining its traditional lending base. However, the firm faces risks related to geographic concentration, competitive pressure from larger banks, and net interest margin volatility. This stock may suit investors looking for exposure to community banking, though it requires monitoring of regional economic trends and the effectiveness of current digital initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, low-growth sector. |
| Momentum investor | Weak fit | Trading volume and price action are typically less conducive to momentum strategies. |
| Value investor | Mixed fit | Value investors may monitor price-to-book ratios relative to regional peers. |
| Dividend investor | Mixed fit | Suitability depends on the stability of the dividend payout relative to bank earnings. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Small-cap regional bank stocks can be prone to liquidity-driven price swings. |
| Valuation risk | Medium | Investors must assess whether the current valuation reflects asset quality risks. |
| Competition risk | High | Competition from large national banks limits pricing power. |
| Business quality | Medium | Business quality is tied to the strength of the local economy. |
| Dividend income | Medium | Dividends are subject to regulatory capital constraints. |
| Execution risk | Medium | Success depends on managing local loan portfolios effectively. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 38.67% | Avg. Invested days 96 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 72.20M USD | Price to earnings Ratio 32.55 | 1Y Target Price - |
Price to earnings Ratio 32.55 | 1Y Target Price - | ||
Volume (30-day avg) 2.9K shares | Beta 0.11 | 52 Weeks Range 13.15 - 20.50 | Updated Date 09/25/2026 |
52 Weeks Range 13.15 - 20.50 | Updated Date 09/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The bank makes money by lending deposits out at higher rates than it pays to savers. |
Valuation
Trailing PE 32.55 | Forward PE - | Enterprise Value 36.92M | Price to Sales(TTM) 6.23 |
Enterprise Value 36.92M | Price to Sales(TTM) 6.23 | ||
Enterprise Value to Revenue 7.25 | Enterprise Value to EBITDA - | Shares Outstanding 4.03M | Shares Floating 2.56M |
Shares Outstanding 4.03M | Shares Floating 2.56M | ||
Percent Insiders 17.94 | Percent Institutions 27.64 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Catalyst Bancorp Inc
Exchange NASDAQ | Headquarters Opelousas, LA, United States | ||
IPO Launch date 2021-10-13 | CEO - | ||
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 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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