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Upturn AI SWOT - About
Catalyst Bancorp Inc (CLST)
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Upturn Advisory Summary
04/04/2025: CLST (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -11.66% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 46.99M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 5922 | Beta 0.13 | 52 Weeks Range 10.67 - 12.10 | Updated Date 04/5/2025 |
52 Weeks Range 10.67 - 12.10 | Updated Date 04/5/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.78 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -59.7% | Operating Margin (TTM) 27.7% |
Management Effectiveness
Return on Assets (TTM) -1.13% | Return on Equity (TTM) -3.75% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 8967972 | Price to Sales(TTM) 9.08 |
Enterprise Value 8967972 | Price to Sales(TTM) 9.08 | ||
Enterprise Value to Revenue 10.17 | Enterprise Value to EBITDA - | Shares Outstanding 4206670 | Shares Floating 3291391 |
Shares Outstanding 4206670 | Shares Floating 3291391 | ||
Percent Insiders 15.18 | Percent Institutions 27.26 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Catalyst Bancorp Inc
Company Overview
History and Background
Catalyst Bancorp, Inc. was founded in 1924 as First Federal Savings and Loan Association of Lafayette. It has grown through organic expansion and acquisitions, focusing on community banking in Louisiana. The company rebranded as Catalyst Bank in recent years to reflect its broader range of services.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of all sizes.
- Retail Banking: Offers personal checking and savings accounts, mortgages, consumer loans, and other services to individuals and families.
- Wealth Management: Offers wealth management, investment advisory and trust services.
Leadership and Structure
The company is led by a board of directors and an executive management team. Key executives include the CEO, CFO, and Chief Lending Officer. The organizational structure typically includes departments for commercial banking, retail banking, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for real estate, equipment, and working capital. Market share data is not readily available. Competitors include other regional and national banks.
- Residential Mortgages: Offers various mortgage products for home purchase and refinance. Market share data is difficult to obtain locally. Competitors are national and local lenders.
- Deposit Accounts: Includes checking, savings, and money market accounts. Market share data is not readily available. Competitors are other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and technological disruption. Community banks face pressure from larger institutions and fintech companies.
Positioning
Catalyst Bancorp Inc. positions itself as a community-focused bank, emphasizing local relationships and personalized service. Its competitive advantages include its deep understanding of the Louisiana market and its commitment to customer service.
Total Addressable Market (TAM)
The TAM for banking services in Louisiana is estimated to be in the billions of dollars. Catalyst Bancorp Inc. is positioned to capture a share of this market through its community focus.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Customer-focused approach
- Solid balance sheet
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Brand recognition is limited outside of Louisiana
Opportunities
- Expansion into new markets within Louisiana
- Acquisitions of smaller banks
- Increased focus on digital banking
- Growth in wealth management services
Threats
- Competition from larger banks
- Economic downturn in Louisiana
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- Iberiabank (IBKC)
- Hancock Whitney Corporation (HWC)
- Regions Financial Corporation (RF)
Competitive Landscape
Catalyst Bancorp competes with larger regional and national banks. It differentiates itself through its community focus and personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions. Requires further financial data.
Future Projections: Future growth is expected to be driven by continued expansion and increased focus on digital banking. Analyst consensus estimates for future growth are unavailable without access to paid financial data sources.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
Catalyst Bancorp is a community-focused bank with a strong presence in Louisiana. Its strengths lie in its local relationships and customer service. However, its smaller size and limited geographic reach pose challenges in competing with larger institutions. The company is pursuing growth through strategic initiatives and expansion.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
HWC
Hancock Whitney Corp
HWC
Hancock Whitney Corp
RF
Regions Financial Corporation
RF
Regions Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- Public Filings
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Catalyst Bancorp Inc
Exchange NASDAQ | Headquaters Opelousas, LA, United States | ||
IPO Launch date 2021-10-13 | President, CEO & Director Mr. Joseph B. Zanco CPA, CIA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 49 | Website https://catalystbank.com |
Full time employees 49 | Website https://catalystbank.com | ||
Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking services to individuals and businesses in Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans, consumer loans, and other loans. In addition, the company invests in various types of securities comprising mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. Catalyst Bancorp, Inc. was founded in 1922 and is headquartered in Opelousas, Louisiana.
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