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Catalyst Bancorp, Inc.

CLST

$17.57 ▲ +0.16 (+0.95%) at close

23 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Catalyst Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $64.3M

Dividend Yield —

Revenue Growth -0.1%

Op. Margin 22.5% ↘

ROIC None

FCF / Share None

Trailing P/E 125.5x

Price / Book 0.9x

FCF Yield —

Debt / Equity 0.18

info Valuation on last close. End-of-day price, Nov 5, 2026.

23-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.81M

— -0.1% —

Net Income Profit after all expenses

$521.00K

↓ -1.1% —

Operating Margin Operating profit as % of sales

22.5%

↓ -15.4% 78th

Long-Term Debt Long-term obligations

$14.73M

— 0.0% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Financial Health ↑

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

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📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	-0.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-101%)	N/M	—	39.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+564%)	28.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+374%)	N/M	—	4.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	0.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	16.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+167%)	—	-41.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-788%)	9.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+55%)	2.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	—	91.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1424%)	6.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	—	—	—	—	—	—
EPS Growth YoY (%)	7.7% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	266.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	1200.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	266.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution → Caution Stable Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-1.1% Weak Weak Year-over-year change in net income	N/M	N/M	196.0% Excellent Excellent Year-over-year change in net income	3193.8% Excellent Excellent Year-over-year change in net income	N/M	N/M	11.9% Fair Fair Year-over-year change in net income	6.7% Fair Fair Year-over-year change in net income	N/M	N/M	-90.6% Weak Weak Year-over-year change in net income	-94.2% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	0.0% Caution Caution Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	11.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	-5.1% Weak Weak Compound annual revenue growth over 3 years	12.0% Good Good Compound annual revenue growth over 3 years	—	—	5.4% Fair Fair Compound annual revenue growth over 3 years	5.4% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	8.5% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	141.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	—	267.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	54.2% Excellent Excellent Compound annual EPS growth over 3 years	135.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	22.5% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	26.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—	17.6% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	23.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	—	—	7.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	29.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	3.3% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	—	6.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	-0.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	-9.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-137%)	—	48.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	16.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	9.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	—	-26.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-206%)	18.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	—	—
Effective Tax Rate (%) (%)	17.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	350.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	18.5% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	21.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	14.2% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	18.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	—	—	6.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	0.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	3.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	—	6.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	0.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	-7.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-133%)	—	38.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	13.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	7.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	—	-21.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-195%)	13.9% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	-5.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-146%)	-4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-134%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	-0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	-1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	-0.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	0.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Debt to Equity (x)	0.18x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.18x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	—	—	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.22x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.22x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.22x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.23x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.09x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	—	—	0.10x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	—	—	—	0.09x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	—	—	0.17x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$0.77	$0.73	—	$0.81	$0.71	$-0.75	—	$0.52	$0.50	$0.49	—	$0.44	$0.45	$0.40	—	$0.76	$0.41	$0.39	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.14	$0.16	$1.49	$0.11	$0.13	$-1.15	$-0.83	$0.03	$0.13	$0.02	$0.11	$0.03	$0.01	$-0.03	$0.03	$0.03	$0.01	$-0.03	—	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$19.68	$19.68	$20.06	$19.77	$19.77	$19.77	$18.75	$18.59	$18.59	$18.59	$17.76	$18.63	$18.63	$18.63	$16.73	$9.55	$9.55	$9.55	$18.63	—	—	—	—
Tangible Book Value per Share (USD)	$19.68	$19.68	$20.06	$19.77	$19.77	$19.77	$18.75	$18.59	$18.59	$18.59	$17.76	$18.63	$18.63	$18.63	$16.73	$9.55	$9.55	$9.55	$18.63	—	—	—	—
Basic Weighted Avg Shares (shares)	3.66M	3.72M	—	3.89M	3.96M	4.09M	—	4.31M	4.39M	4.61M	—	4.88M	4.88M	4.88M	—	4.88M	4.88M	4.88M	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$14.73M	$14.73M	$14.73M	$9.56M	—	—	$9.56M	$19.38M	$19.38M	$19.38M	$19.38M	$9.20M	—	—	$9.20M	—	—	—	$9.02M	—	—	$8.84M	—
Total Equity (USD)	$80.20M	$80.20M	$81.72M	$84.56M	$84.56M	$84.56M	$80.20M	$88.49M	$88.49M	$88.51M	$84.56M	$98.55M	$98.55M	$98.55M	$88.51M	$50.53M	$50.53M	$50.53M	$98.55M	$51.12M	$51.12M	$50.53M	$51.12M

📋 What is driving earnings? 3 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$2.81M	$2.70M	—	$3.15M	$2.81M	$-3.07M	—	$2.25M	$2.19M	$2.26M	—	$2.17M	$2.19M	$1.95M	—	$3.69M	$2.00M	$1.91M	—	$1.93M	$1.87M	—	—
Net Income, GAAP (USD)	$521.00K	$586.00K	$5.77M	$447.00K	$527.00K	$-4.69M	$-3.31M	$151.00K	$16.00K	$73.00K	$517.00K	$135.00K	$15.00K	$-141.00K	$-1.66M	$1.43M	$260.00K	$151.00K	$1.90M	$-404.00K	$260.00K	—	—
Operating Cash Flow (USD)	$1.15M	$427.00K	$751.00K	$896.00K	$1.39M	$247.00K	$2.09M	$540.00K	$654.00K	$-116.00K	$1.63M	$325.00K	$174.00K	$-123.00K	$-1.74M	$2.05M	$156.00K	$302.00K	$1.33M	$435.00K	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Dec 31, 2025 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Dec 31, 2023 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Dec 31, 2022 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Dec 31, 2022 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Dec 31, 2020 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.3%	3.8%	3.7%	3.5%	3.0%	5.5%	2.9%	2.8%	2.9%	3.4%	2.8%	2.7%	2.7%	3.2%	2.3%	2.5%	2.4%	2.4%	3.1%	3.0%	—	—
Efficiency Ratio (%) (%)	77.5%	73.4%	—	71.7%	73.5%	-90.9%	—	92.3%	100.0%	96.7%	—	98.5%	108.9%	113.0%	—	51.1%	98.2%	90.5%	—	95.3%	81.4%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 7 years · 23 quarters

Catalyst Bancorp, Inc.

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