Catalyst Bancorp, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 6 fiscal years, taken from the XBRL data Catalyst Bancorp, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Selling and marketing	0.09	0.04	0.24	0.1	0.13	0.13
Interest expense	1.71	0.8	0.68	1.86
Pre-tax income	-1.18	2.4	0.16	0.59	-3.98	2.5
Income tax	-0.47	0.48	-0.02	0.06	-0.89	0.45
Net income	-0.7	1.92	0.18	0.53	-3.09	2.05
EPS, basic		0.33	0.03	0.12	-0.78	0.56
EPS, diluted		0.33	0.03	0.12	-0.78	0.56
Shares, basic (weighted)		0.01	5.67	4.38	3.94	3.66
Shares, diluted (weighted)		0.01	5.67	4.39	3.94	3.68

Balance sheet

	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	25.2	40.9	13.5	19	44.3	25.2
Property, plant and equipment	5.49	6.58	6.3	6.07	6.09	5.85
Total assets	225	286	263	271	277	283
Total liabilities	174	187	175	186	196	201
Total debt	8.84	9.02	9.2	19.4	9.56	14.7
Paid-in capital		50.8	51.1	45	39.6	37.4
Retained earnings	50.4	52.6	52.8	52.9	49.9	51.9
Other comprehensive income	0.11	-0.68	-9.07	-7.24	-3.56	-2.41
Shareholders' equity	50.8	98.6	88.5	84.6	80.2	81.7
Total equity	50.8	98.6	88.5	84.6	80.2	81.7
Total liabilities and equity	225	286	263	271	277	283
Shares outstanding		6.17	6.17	4.76	4.28	4.07

Cash flow statement

	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	-0.7	1.92	0.18	0.53	-3.09	2.05
Depreciation and amortization	0.35	0.42	0.45	0.4	0.41	0.42
Stock-based compensation		0.07	0.47	0.77	0.81	0.9
Deferred income tax		0.15	-0.01	-0.01	-0.89	0.31
Cash from operations	0.86	3.43	0.77	2.01	3.17	3.29
Capital expenditures	-0.55	-1.51	-0.25	-0.17	-0.43	-0.19
Purchases of investments	-16.7	-77.5	-13.2		-7.87	-25
Sales and maturities of investments	10.2	8.55	10.9	9.11	6.2	4.62
Cash from investing	-0.31	-46.6	-14.1	-0.27	17.8	-24.4
Stock issued		50.8
Share buybacks			-2.34	-6.32	-5.76	-2.59
Cash from financing	6.79	58.8	-14	3.8	4.3	2.01
Net change in cash	7.34	15.6	-27.4	5.54	25.3	-19.1
Free cash flow	0.31	1.92	0.52	1.84	2.74	3.1
Interest paid	1.77	0.63	0.5	1.4	4.29	3.98
Income taxes paid	0.08	0.08	0.24		0.2	0.12

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $17.90 on September 24, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	19.2%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	2.5%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.7%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income CAGR, 3y	125.1%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 3y	153.7%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow growth, 1y	3.6%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	62.1%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	30.8%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	13.0%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	81.3%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	58.5%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	1.9%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	-2.6%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	10.0%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	2.3%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	2.4%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	4.7%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-6.7%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-13.4%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	0.12x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	3.4%	Total debt / total assets.
Liabilities / assets	71.5%	Total liabilities / total assets.
Net debt	-$27.2M	Total debt - cash - short-term investments. Negative means more cash than debt.
Tangible book value	$82.5M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
FCF conversion	159.6%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	2.8%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$0.56	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$0.89	Free cash flow / diluted weighted shares.
Operating cash flow per share	$0.91	Cash from operations / diluted weighted shares.
Book value per share	$20.46	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$20.46	Tangible book value / shares outstanding.
Cash per share	$9.17	(Cash + short-term investments) / shares outstanding.
Buybacks / FCF	50.4%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$72.2M	Share price x shares outstanding.
Enterprise value	$45.0M	Market cap + total debt - cash - short-term investments.
P/E	35.6x	Market cap / net income. Only when net income is positive.
P/B	0.87x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.87x	Market cap / tangible book value, when positive.
P/FCF	22.3x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	21.7x	Market cap / cash from operations, when positive.
EV/FCF	13.9x	Enterprise value / free cash flow, when both are positive.
FCF yield	4.5%	Free cash flow / market cap.
Earnings yield	2.8%	Net income / market cap (the inverse of P/E).
Shareholder yield	2.3%	(Dividends paid + share buybacks) / market cap.
PEG	0.23x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

Was Catalyst Bancorp, Inc. profitable in fiscal 2025?

Yes. Net income was $2.1M, a net margin of -.

How much free cash flow did Catalyst Bancorp, Inc. generate in fiscal 2025?

Cash from operations of $3.3M minus capital expenditures of $188.0K left free cash flow of $3.1M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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