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Upturn AI SWOT - About
Catalyst Bancorp Inc (CLST)
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Upturn Advisory Summary
08/28/2025: 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 6.63% | Avg. Invested days 59 | 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 08/28/2025 |
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. operates as the holding company for Catalyst Bank, which was founded to serve the financial needs of its community. Details of founding year and early milestones are not readily available publicly. The bank has focused on relationship-based banking.
Core Business Areas
- Commercial Banking: Provides a range of loan and deposit products for businesses, including commercial real estate lending, equipment financing, and working capital lines of credit. Also includes treasury management services.
- Retail Banking: Offers deposit accounts, residential mortgage loans, consumer loans, and other services to individual customers.
- Wealth Management: Provides trust and investment services.
Leadership and Structure
Janice F. Courville serves as President & CEO. The organizational structure includes various departments like lending, operations, finance, and compliance, overseen by senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data not publicly available. Competitors: Large national banks (e.g., JPMorgan Chase, Bank of America) and regional banks.
- Residential Mortgage Loans: Loans for purchasing or refinancing residential properties. Market share data not publicly available. Competitors: Large national banks (e.g., Wells Fargo), mortgage companies (e.g., Rocket Mortgage).
- Business Banking Services: Deposit accounts, business loans, treasury management services. Market share data not publicly available. Competitors: Other regional banks, credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating rising interest rates, increased regulatory scrutiny, and technological disruption. Competition is intense, with fintech companies emerging as new players.
Positioning
Catalyst Bancorp Inc. operates as a community bank, focusing on relationship-based banking and serving local businesses and individuals. Its competitive advantage lies in its local knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for community banking is substantial, comprising the entire US banking market minus the market share captured by global banking institutions. Catalyst Bank is positioned within this TAM to capture local/regional share through community banking practices.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking model
- Experienced management team
- Strong capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Brand awareness
Opportunities
- Expanding into new markets
- Adopting new technologies
- Offering specialized products and services
- Acquiring smaller banks
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
Catalyst Bancorp operates on a much smaller scale than major national banks. Its advantage lies in its local focus and personalized service, while disadvantages include limited resources and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not readily available in this data.
Future Projections: Future projections are not available without analyst estimates.
Recent Initiatives: Recent initiatives are not readily available in this data, but would typically include branch expansions, digital banking enhancements, and new product launches.
Summary
Catalyst Bancorp is a smaller community bank with a strong local presence, focusing on relationship-based banking. Its growth is limited by its size and geographic reach, but it has opportunities to expand through technology and acquisitions. Increased competition and economic downturns pose threats to its success. Information on financial performance is not available to fully assess the strength of the company.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Financial data may be limited and current market conditions may influence company performance.
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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