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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
11/04/2026: CLST (1-star) is currently NOT-A-BUY. Pass it for now.
Catalyst Bancorp Inc is a regional bank holding company providing essential retail and commercial banking services, primarily within Louisiana. Its main strengths include deep local community roots and a solid capital position established through its recent public transition. The primary growth opportunity lies in expanding its commercial loan portfolio and enhancing digital capabilities to drive operational efficiency. Investors face risks related to geographic concentration, intense competition from larger regional banks, and sensitivity to interest rate fluctuations. This stock may suit investors looking for exposure to community banking, though it requires monitoring of loan portfolio quality and the competitive landscape for deposits.
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 is a mature, slow-growing community bank rather than a high-growth technology or sector disrupter. |
| Momentum investor | Weak fit | Low trading volume and limited price catalysts generally do not attract momentum strategies. |
| Value investor | Mixed fit | Value investors may be interested if the stock trades at a significant discount to tangible book value. |
| Dividend investor | Mixed fit | Income seekers may find the yields acceptable, but the dividend history is relatively short. |
| Low-risk investor | Mixed fit | While community banks are generally stable, small-cap banking stocks carry liquidity and concentration risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Thinly traded micro-cap or small-cap bank stocks can experience significant price swings based on low trading volume. |
| Valuation risk | Medium | Pricing relative to book value is a key concern for bank investors, as it dictates long-term return potential. |
| Competition risk (Regional Banking) | High | The bank faces intense pressure from larger regional peers that can offer more aggressive pricing and advanced digital services. |
| Business quality | Medium | The bank relies on a stable but localized economic base which lacks the diversification of national entities. |
| Dividend income | Medium | Dividend sustainability depends on the bank's ability to maintain earnings stability in varying interest rate environments. |
| Execution risk | Medium | Success depends on the management team's ability to navigate credit cycles and manage operational costs effectively. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 26.27% | Avg. Invested days 97 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/04/2026 |
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 70.08M USD | Price to earnings Ratio 25.1 | 1Y Target Price - |
Price to earnings Ratio 25.1 | 1Y Target Price - | ||
Volume (30-day avg) 3.2K shares | Beta 0.11 | 52 Weeks Range 14.00 - 20.50 | Updated Date 11/04/2026 |
52 Weeks Range 14.00 - 20.50 | Updated Date 11/04/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.69 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on mortgage and commercial loans minus interest paid on customer deposits. | The company earns the spread between the interest it collects from borrowers and what it pays to depositors. |
| Non-Interest Income | Service fees, account charges, and other banking-related income streams. | This is a secondary revenue source generated from customer transactions and account maintenance fees. |
Earnings Date
Report Date 2026-10-29 | When - | Estimate - | Actual 0.51 |
Profitability
Profit Margin 16.92% | Operating Margin (TTM) 21.43% |
Management Effectiveness
Return on Assets (TTM) 0.55% | Return on Equity (TTM) 3.08% |
Valuation
Trailing PE 25.1 | Forward PE - | Enterprise Value 57.03M | Price to Sales(TTM) 4.71 |
Enterprise Value 57.03M | Price to Sales(TTM) 4.71 | ||
Enterprise Value to Revenue 9.93 | Enterprise Value to EBITDA - | Shares Outstanding 4.05M | Shares Floating 2.59M |
Shares Outstanding 4.05M | Shares Floating 2.59M | ||
Percent Insiders 17.89 | Percent Institutions 27.52 |
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.
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