Catalyst Bancorp, Inc.
CLSTNasdaqFinancials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $2.1M | −$3.1M | $526,000 | $180,000 | $1.9M | −$703,000 |
| Total assets | $282.9M | $276.7M | $270.9M | $263.4M | $285.6M | $224.7M |
| Total liabilities | $201.2M | $196.5M | $186.4M | $174.8M | $187.1M | $174.2M |
| Equity | $81.7M | $80.2M | $84.6M | $88.5M | $98.6M | $50.8M |
| EPS (diluted) | $0.56 | $-0.78 | $0.12 | $0.04 | $0.39 | — |
| Shares out. | 4.2M | 4.6M | 5.1M | 5.3M | 5.3M | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.5%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 71.1%
- Debt / equity
- 2.46×
- Book value / share
- $19.43
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Capital Management LlcPassive (13G)Apr 29, 2026
- Stilwell JosephActivist (13D)Apr 13, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Catalyst Bancorp, Inc. Employee Stock Ownership PlanPassive (13G)Feb 13, 2026
- Alliancebernstein L.P.Passive (13G)Nov 15, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Scruggins Matthew L.Director | Dec 18, 2025 | Gift | 332 | $0.00 |
| Kleiser Kirk E.Director | Oct 28, 2025 | Sell | 1,500 | $13.43 |
| Quebedeaux Amanda B.Officer — Chief Operations Officer | Sep 1, 2025 | Tax withholding | 553 | $12.83 |
| Bourque Jacques L.J.Officer — CHIEF FINANCIAL OFFICER | Sep 1, 2025 | Tax withholding | 131 | $12.83 |
| Zanco Joseph BOfficer — PRESIDENT AND CEO | Sep 1, 2025 | Tax withholding | 1,158 | $12.83 |
| Kleiser Kirk E.Director | Jun 11, 2025 | Buy | 200 | $12.25 |
| Ledet Don POfficer — CHIEF RISK OFFICER | Jun 10, 2025 | Grant | 2,000 | $0.00 |
| Scruggins Matthew L.Director | Jun 10, 2025 | Grant | 1,058 | $0.00 |
| Bellard Ted D.Director | Jun 10, 2025 | Grant | 1,058 | $0.00 |
| Kleiser Kirk E.Director | Jun 10, 2025 | Grant | 1,058 | $0.00 |
| Lebouef Craig C.Director | Jun 10, 2025 | Grant | 1,058 | $0.00 |
| Lafleur Frederick R.Director | Jun 10, 2025 | Grant | 1,058 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 7,296 | 1.0 | -0.9% |
| Apr 30, 2026 | 7,359 | 2.8 | -11.8% |
| Apr 15, 2026 | 8,345 | 1.0 | +19.0% |
| Mar 31, 2026 | 7,011 | 1.9 | -1.1% |
| Mar 13, 2026 | 7,089 | 1.2 | -6.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 21, 2026
- Results of operationsApr 30, 2026
- Entered a material agreement · Regulation FD disclosure · Other material eventApr 8, 2026
- Results of operationsJan 29, 2026
- Other material eventNov 21, 2025
- Changed auditorNov 6, 2025
- Results of operationsOct 23, 2025
- Results of operationsJul 24, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KMay 21, 2026
- 10-QMay 15, 2026
- 8-KApr 30, 2026
- SCHEDULE 13GApr 29, 2026
- ARSApr 14, 2026
- DEF 14AApr 14, 2026
- SCHEDULE 13D/AApr 13, 2026
- 8-KApr 8, 2026
- 10-KMar 31, 2026
- SCHEDULE 13G/AMar 26, 2026
- SCHEDULE 13G/AFeb 13, 2026
- 5Feb 5, 2026
- 8-KJan 29, 2026
- SCHEDULE 13D/AJan 12, 2026
- 4Dec 22, 2025
Event-driven situations (2)
Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.