Financial Snapshot

Revenue
$10.35M
TTM
Gross Margin
Net Earnings
-$3.383M
TTM
Current Assets
Current Liabilities
$20.00M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$81.67M
Q3 2024
Cash
Q3 2024
P/E
-15.15
Nov 27, 2024 EST
Free Cash Flow
$3.077M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019
Revenue $9.661M $8.014M $7.699M $8.490M
YoY Change 20.55% 4.09% -9.32%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019
Revenue $9.661M $8.014M $7.699M $8.490M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $911.0K $841.0K $790.0K $612.0K
YoY Change 8.32% 6.46% 29.08%
% of Gross Profit
Depreciation & Amortization $403.0K $448.0K $424.0K $347.0K $296.0K
YoY Change -10.04% 5.66% 22.19% 17.23%
% of Gross Profit
Operating Expenses $911.0K $841.0K $790.0K $612.0K
YoY Change 8.32% 6.46% 29.08%
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019
Interest Expense $1.860M $683.0K $795.0K $1.705M
YoY Change 172.33% -14.09% -53.37%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019
Pretax Income $683.0K $159.0K $2.414M -$1.177M $1.657M
YoY Change 329.56% -93.41% -305.1% -171.03%
Income Tax $81.00K -$21.00K $487.0K -$474.0K $329.0K
% Of Pretax Income 11.86% -13.21% 20.17% 19.86%
Net Earnings $602.0K $180.0K $1.927M -$703.0K $1.328M
YoY Change 234.44% -90.66% -374.11% -152.94%
Net Earnings / Revenue 6.23% 2.25% 25.03% -8.28%
Basic Earnings Per Share $0.14 $0.04 $0.40
Diluted Earnings Per Share $0.14 $0.04 $395.8K -$132.9K $251.0K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $6.072M $6.303M $6.577M $5.489M $5.289M
YoY Change -3.66% -4.17% 19.82% 3.78%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $270.9M $263.3M $285.3M $224.7M $218.5M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $10.00M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.00M
YoY Change
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $1.274M $558.0K $1.190M $719.0K $753.0K
YoY Change 128.32% -53.11% 65.51% -4.52%
Total Long-Term Liabilities $1.274M $558.0K $1.190M $719.0K $753.0K
YoY Change 128.32% -53.11% 65.51% -4.52%
Total Liabilities $186.3M $174.9M $187.0M $174.2M $167.4M
YoY Change 6.53% -6.5% 7.38% 4.05%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019
Basic Shares Outstanding 4.383M 4.857K 4.869K
Diluted Shares Outstanding 4.387M 4.857K 4.869K
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $51.241 Million

About Catalyst Bancorp, Inc.

Catalyst Bancorp, Inc. operates as a bank holding company. The company is headquartered in Opelousas, Louisiana and currently employs 48 full-time employees. The company went IPO on 2021-10-13. The Bank is a federally chartered community-oriented savings bank. The Bank is primarily engaged in attracting deposits from the general public and using those funds to invest in loans and securities. The Bank’s principal sources of funds are customer deposits, repayments of loans, maturities of investments and funds borrowed from outside sources, such as the Federal Home Loan Bank (FHLB) of Dallas or the Federal Reserve Bank of Atlanta. These funds are primarily used for the origination of loans, including single-family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans and other loans. The Bank offers commercial and retail banking products through its six full-service branches located in Carencro, Eunice, Lafayette, Opelousas, and Port Barre.

Industry: Savings Institution, Federally Chartered Peers: 1895 Bancorp of Wisconsin, Inc. /MD/ FFBW, Inc. /MD/ First Seacoast Bancorp IF Bancorp, Inc. NSTS Bancorp, Inc. Skyline Bankshares, Inc. Rocket Companies, Inc. TC Bancshares, Inc.