Catalyst Bancorp, Inc. (CLST) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-88.6%

$2.02

vs $17.78 price

Levered DCF

$20.60

After debt service

Piotroski score

5 / 9

Average

Altman Z-score

1.19

Distress zone

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	28.12×	-15.09×	90.33×	317.5×	34.18×	-104.31×	54.24×
P/B	0.72×	0.58×	0.55×	0.65×	0.67×	1.42×	1.4×
P/S	3.82×	4.69×	4.24×	6.34×	6.52×	7.72×	7.73×
EV / EBITDA	16.46×	-3.26×	37.35×	71.96×	8.85×	-56.01×	27.56×
Gross margin	72.8%	50.9%	81.1%	96.6%	98.7%	71.0%	78.7%
Operating margin	16.3%	-40.3%	5.3%	1.8%	23.8%	-12.7%	17.8%
Net margin	13.4%	-31.3%	4.8%	2.0%	19.0%	-7.6%	14.3%
Current ratio	0.4×	0.4×	0.13×	0.57×	0.73×	0.28×	0.23×
Debt / equity	0.18×	0.12×	0.11×	0×	0×	0×	0×
Interest coverage	0.61×	-0.92×	0.3×	0.23×	3.02×	-0.69×	0.87×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	2.5%	-3.9%	0.6%	0.2%	1.9%	-1.4%	2.6%
Return on invested capital	2.1%	-3.4%	0.5%	0.2%	1.8%	-1.2%	1.7%
Return on assets	0.7%	-1.1%	0.2%	0.1%	0.7%	-0.3%	0.6%
Free cash flow yield	5.3%	5.9%	3.9%	0.9%	2.9%	0.4%	-0.8%
Earnings yield	3.5%	-6.7%	1.1%	0.3%	2.9%	-1.0%	1.9%
Enterprise value	$48.2M	$11.6M	$37M	$43.7M	$25M	$46.5M	$53.8M
Net debt / EBITDA	-3.58×	9.73×	-9.73×	-22.19×	-14.48×	30.42×	-9.17×
Cash conversion cycle (days)	22	31	30	27	21	22	23