What is the 13F Pro Quality Score for CLST?

13F Pro ranks Catalyst Bancorp, Inc. (CLST) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CLST's current score at https://13fpro.ai/research/CLST (free sign-up required for the full ranking).

Where does 13F Pro source CLST data?

All Catalyst Bancorp, Inc. fundamentals and ownership data come directly from SEC EDGAR. Catalyst Bancorp, Inc. files with the SEC under CIK 1849867. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CLST in?

Catalyst Bancorp, Inc. (CLST) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CLST research updated on 13F Pro?

CLST's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Catalyst Bancorp, Inc.(CLST)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Limited institutional coverage

Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 23 institutional filers currently hold this stock.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

CLST Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Catalyst Bancorp, Inc. (CLST), a Financials sector company. CLST is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 23 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), Catalyst Bancorp, Inc. reports quarterly revenue of $2.9M, net income of $558.0K, free cash flow of $657.0K. Top institutional holders of CLST by reported 13-F value include Stilwell Value, GRAHAM CAPITAL WEALTH MANAGEMENT,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. CLST trades on the Nasdaq exchange and files with the SEC under CIK 1849867. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CLST daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Catalyst Bancorp, Inc. directly from SEC EDGAR.

Revenue

Q1 2026

$2.9M

Net Income

Q1 2026

$558.0K

Free Cash Flow

Q1 2026

$657.0K

ROIC

Q1 2026

0.7%

D/E Ratio

Q1 2026

0.12

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+166.4% YoY

$2.1MFY 2025

FY22 $180.0KFY23 $526.0KFY24 $-3.1MFY25 $2.1M

EPS (Diluted)

+171.8% YoY

$0.56FY 2025

FY22 $0.04FY23 $0.12FY24 $-0.78FY25 $0.56

Total Assets

+2.3% YoY

$282.9MFY 2025

FY22 $263.4MFY23 $270.9MFY24 $276.7MFY25 $282.9M

Total Debt

+54.1% YoY

$14.7MFY 2025

FY22 $9.2MFY23 $19.4MFY24 $9.6MFY25 $14.7M

Op. Cash Flow

+3.6% YoY

$3.3MFY 2025

FY22 $772.0KFY23 $2.0MFY24 $3.2MFY25 $3.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020
Net Income	$2.1M +166.4%	$-3.1M -687.3%	$526.0K +192.2%	$180.0K +125.6%	$-703.0K
EPS (Diluted)	$0.56 +171.8%	$-0.78 -750.0%	$0.12 +200.0%	$0.04	—
Total Assets	$282.9M +2.3%	$276.7M +2.1%	$270.9M +2.9%	$263.4M +17.2%	$224.7M
Total Debt	$14.7M +54.1%	$9.6M -50.7%	$19.4M +110.7%	$9.2M +4.1%	$8.8M
Operating Cash Flow	$3.3M +3.6%	$3.2M +58.0%	$2.0M +160.1%	$772.0K -9.9%	$857.0K

AI Insight: CLST Financial Trends

Catalyst Bancorp shows stable operating cash flow and modest deleveraging, but profitability remains volatile with net income swinging between $0–1M quarterly.

• Operating cash flow held steady at $1M in most quarters; only Q1 2025 dipped to $0M. Consistent cash generation despite volatile earnings.

• Total debt reduced from $30M (Q2 2024) to $10M (Q1 2026), while equity remained flat ~$81–82M. Leverage declined materially.

• Net income oscillated between $0–1M across eight quarters with no discernible trend. Earnings quality and predictability remain unclear.

⚠ Net income at $0M in Q3 and Q4 2025 signals profitability headwinds; recovery to $1M in Q1 2026 needs confirmation in coming quarters.

⚠ Revenue data entirely absent from filings. Inability to assess top-line health or margin dynamics is a significant analytical gap.

AI Insight: CLST Ratio Trends

Catalyst Bancorp recovered modestly in Q1 2026, but profitability remains well below mid-2025 peaks—a concerning trend for a bank with leverage creeping back up.

• ROE slid from 3.1% in Q4 2024 to 2.2% in Q4 2025, then rebounded only to 2.7% in Q1 2026—still 40 bps below TTM.

• ROIC peaked at 3.6% in Q1 2025, declined to 2.3% by Q4 2025, and recovered to 3.0% in Q1 2026—volatile and below peak.

• Debt-to-equity stabilized at 0.12 in Q1 2026, down from 0.18 in Q3 and Q4 2025, suggesting deleveraging momentum.

⚠ ROA contracted to 0.6% in Q4 2025—the lowest in the trailing 18-month window—before recovering to 0.8% in Q1 2026.

⚠ Sustained multi-quarter profitability decline from Q1 2025 through Q4 2025 raises questions about margin compression or asset quality.

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Available Research

13F Pro tracks comprehensive data for Catalyst Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CLST

Stilwell Value LLC
$4.7M282,434 sh
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
$3.3M197,285 sh
VANGUARD CAPITAL MANAGEMENT LLC
$3.1M190,140 sh
BlackRock, Inc.
$1.1M65,633 sh
GEODE CAPITAL MANAGEMENT, LLC
$571.4K34,489 sh
ALLIANCEBERNSTEIN L.P.
$498.2K31,630 sh
Montz Harcus Wealth Management LLC
$496.8K30,000 sh
Kestra Advisory Services, LLC
$414.0K25,000 sh
VANGUARD FIDUCIARY TRUST CO
$401.0K24,216 sh
RENAISSANCE TECHNOLOGIES LLC
$384.2K23,200 sh

Fund	Value	Shares
Stilwell Value LLC	$4.7M	282,434
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC	$3.3M	197,285
VANGUARD CAPITAL MANAGEMENT LLC	$3.1M	190,140
BlackRock, Inc.	$1.1M	65,633
GEODE CAPITAL MANAGEMENT, LLC	$571.4K	34,489
ALLIANCEBERNSTEIN L.P.	$498.2K	31,630
Montz Harcus Wealth Management LLC	$496.8K	30,000
Kestra Advisory Services, LLC	$414.0K	25,000
VANGUARD FIDUCIARY TRUST CO	$401.0K	24,216
RENAISSANCE TECHNOLOGIES LLC	$384.2K	23,200

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Is CLST a good stock to buy?

13F Pro's AI-powered analysis of Catalyst Bancorp, Inc. (CLST) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CLST are available on the CLST stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CLST?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CLST. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Catalyst Bancorp, Inc.'s investment landscape.