Stocktoria
Catalyst Bancorp, Inc. CLST
Nasdaq · XNAS · stock · Savings Institution, Federally Chartered · website · IPO 2021-10-13
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $2.1M | -$3.1M | $526,000 | $180,000 | $1.9M |
| Operating cash flow | $3.3M | $3.2M | $2.0M | $772,000 | $3.4M |
| Free cash flow | $3.1M | $2.7M | $1.8M | $520,000 | $1.9M |
| Total assets | $282.9M | $276.7M | $270.9M | $263.4M | $285.6M |
| Total liabilities | $201.2M | $196.5M | $186.4M | $174.8M | $187.1M |
| Shareholders' equity | $81.7M | $80.2M | $84.6M | $88.5M | $98.6M |
| Ratios | |||||
| Return on assets | 0.7% | -1.1% | 0.2% | 0.1% | 0.7% |
| Return on equity | 2.5% | -3.9% | 0.6% | 0.2% | 1.9% |
| Debt / equity | 0.18× | 0.12× | 0.23× | 0.10× | 0.09× |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 23,200 | $384,192 |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001849867 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.