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Catalyst Bancorp Inc. (CLST) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$17.78 +2.46% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.82

Catalyst Bancorp Inc. (CLST) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $70.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CLST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Catalyst Bancorp Inc. (NASDAQ: CLST) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $17.78 (+2.46% 1D, market cap $70.0M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 11/20. Across 1096 tracked Financials issuers, CLST ranks #534 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CLST compare to HFBL and CPBI in the Financials sector?
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Within the Financials sector (Savings Institutions), CLST carries a Roarable D+ (55/100 RQD), trailing P/E of 35.0x, gross margin of —, and ROIC of 2.5%. By comparison, HFBL (Home Federal Bancorp Inc. of Louisiana) holds a B- grade (70/100 RQD, P/E 17.4x, ROIC 6.7%, cap $69.2M) and CPBI (Central Plains Bancshares Inc.) posts a C+ grade (67/100 RQD, P/E 21.5x, ROIC 4.6%, cap $86.0M). Among the 5-stock peer group, HFBL leads on earnings multiple (17.4x) while HFBL leads on capital efficiency (6.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CLST?
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Per CLST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001849867), Catalyst Bancorp Inc. generated $118.8M in revenue (+2.3% YoY), $2.1M in net income, and $3.1M in free cash flow against $282.9M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $17.82 (+0.25%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 2.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510055
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk C
Cash (9)Whales (9)SEC (13)Macro (13)CEO (11)
Each axis scored 0–20
12M PRICE TARGET CONE-1.3% Base Target
$22 Bull$18 Base$14 Bear
📬 FREE CLST RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CLST)Realized 20D OHLCV Swing Band: ±2.8%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY CLST SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (24% of score)

FRED Regime × Technicals: 60% of 52W Range • RSI-14 at 51.6 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
47
Grade D$17.25-1.9% Next Q
Q2 (-2Q)
50
Grade C-$16.93-0.1% Next Q
Q3 (-1Q)
52
Grade C-$16.91+5.1% Next Q
Current
55
Grade D+$17.78-0.5% Hist 90D α
Trajectory: D (47) → D+ (55)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CLST Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, CLST faces multiple-compression risk if 35.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($17.45) or 200D SMA ($16.63) invalidates the momentum regime and cuts Target Base ($17.54) toward Bear Floor ($13.68).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CLST• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CLST Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 55%NO 45%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CLST Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CLST)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CLST. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CLST)

  • ✓Walkthrough of CLST's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CLST // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.82%▲ ASCENDING CHANNEL
2026-11-03O $17.78H $17.78L $17.35C $17.78VOL 5.5K
RES: $19.34SUP: $16.40SMA50: $17.45SMA200: $16.63
$20.91$19.22$17.54$15.86$14.18RES $19.34SUP $16.40$17.782026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CLST Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CLST Butterfly Map → + Track CLST →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
27.0%/yr Implied 5Y Growth

vs. +2.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CLST today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CLST. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CLST today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CLST)

Financials Rank #534 of 1096 ⚔️ HFBL vs CLST Full Matrix →

1. Head-to-Head Financials Peer Comparison (CLST vs. HFBL, CPBI, FDSB, BYFC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Catalyst Bancorp Inc. (CLST) ranks #534 by composite RQD confidence (55/100, grade D+) and #998 by equity capitalization ($70.0M). Within this direct 5-issuer industry benchmark cohort, HFBL leads on earnings valuation at 17.4x trailing P/E, while HFBL leads on capital efficiency and profitability with 6.7% ROIC and — gross margin. HFBL currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with CLST at 55/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CLST ACTIVE
Catalyst Bancorp Inc.
D+ 55/100 35.0x — 2.5% +2.46% $70.0M Benchmark Subject
HFBL
Home Federal Bancorp Inc. of Louisiana
B- 70/100 17.4x — 6.7% +1.81% $69.2M /hfbl-vs-clst →
CPBI
Central Plains Bancshares Inc.
C+ 67/100 21.5x — 4.6% +0.63% $86.0M /cpbi-vs-clst →
FDSB
Fifth District Bancorp Inc.
D+ 58/100 22.3x — 3.2% 0.00% $92.0M /fdsb-vs-clst →
BYFC
Broadway Financial Corporation (Class A)
D- 37/100 — — -9.4% +1.66% $106.3M /byfc-vs-clst →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001849867 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Catalyst Bancorp Inc. (CLST) reported GAAP revenue of $118.8M (+2.3% vs. FY2024 revenue of $116.2M , and +843.3% cumulative change since FY2023) , GAAP net income of $2.1M, operating cash flow of $3.3M, and free cash flow of $3.1M (+13.0% YoY). On the balance sheet, CLST closed FY2025 with $282.9M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $118.8M $2.1M $3.3M $3.1M $282.9M —
FY2024 (FY) 2024-12-31 $116.2M -$3.1M $3.2M $2.7M $276.7M —
FY2023 (FY) 2023-12-31 $12.6M $526.0K $2.0M $2.0M — —

3. CLST Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CLST stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Catalyst Bancorp Inc. (NASDAQ: CLST) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $17.78 (+2.46% 1D, market cap $70.0M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 11/20. Across 1096 tracked Financials issuers, CLST ranks #534 in composite RQD confidence.

How does CLST compare to HFBL and CPBI in the Financials sector?

Within the Financials sector (Savings Institutions), CLST carries a Roarable D+ (55/100 RQD), trailing P/E of 35.0x, gross margin of —, and ROIC of 2.5%. By comparison, HFBL (Home Federal Bancorp Inc. of Louisiana) holds a B- grade (70/100 RQD, P/E 17.4x, ROIC 6.7%, cap $69.2M) and CPBI (Central Plains Bancshares Inc.) posts a C+ grade (67/100 RQD, P/E 21.5x, ROIC 4.6%, cap $86.0M). Among the 5-stock peer group, HFBL leads on earnings multiple (17.4x) while HFBL leads on capital efficiency (6.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CLST?

Per CLST's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001849867), Catalyst Bancorp Inc. generated $118.8M in revenue (+2.3% YoY), $2.1M in net income, and $3.1M in free cash flow against $282.9M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CLST trading relative to its 50-day, 200-day, and 52-week technical levels?

CLST last traded at $17.78 (+2.46% on volume of 3,857 shares), positioning the stock +1.89% above its 50-day simple moving average ($17.45) and +6.92% above its 200-day simple moving average ($16.63). Across its 52-week range of $13.66 to $20.50, CLST sits at the 60.2% percentile with a 14-day RSI of 51.6 (NEUTRAL RANGE) and an implied next-earnings move of ±2.8% ($17.28 to $18.28).

Direct Sub-Reports: CLST RQD Cockpit CLST 12M Forecast CLST Earnings & Move CLST Dividends & DRIP CLST Insiders & 13F CLST Whale Options CLST Profit Sankey CLST News & Why
ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ SEC XBRL & RQD VERIFIED

CLST — Catalyst Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Catalyst Bancorp Inc. (CLST) earns a live Roarable RQD composite score of 55/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $17.78 (+2.46% 1D, market capitalization $70.0M).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 2.5%, gross margin of —, operating margin of —, and free cash flow yield of 4.32%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (11/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Catalyst Bancorp Inc. (CLST) is a NASDAQ-listed issuer in the Financials sector, Savings Institutions industry..1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Catalyst Bancorp Inc. (CLST) reported $118.8M in annual revenue (up from $116.2M in FY2024, +2.3% YoY) and $2.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($12.6M revenue, $526.0K net income) through FY2025, CLST scaled operating cash flow to $3.3M and free cash flow to $3.1M, backed by $282.9M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 55/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 4.32% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $13.66 – $20.50 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 35.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source data therefore does not establish upstream or downstream dependencies, sector correlations, or second-order bottlenecks for CLST.

  • Key Question #1: Can CLST sustain or expand its — operating margin and 2.5% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $118.8M and free cash flow of $3.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CLST's 32.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CLST Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Catalyst Bancorp Inc. (CLST) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CLST Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CLST Bull vs. Bear Conversation Board — What's Your Call at $17.78?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CLST 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CLST:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $21.17 (+22.0%)
📌 Pinned Debate

The balance sheet pillar scores 13 of 20 with an Altman Z of 2.5 and Piotroski F of 5/9, and net income recovered to $2.1M in FY 2025 a

Picked up a starter position in CLST in my $100K Virtual Cash book at $17.35. The balance sheet pillar scores 13 of 20 with an Altman Z of 2.5 and Piotroski F of 5/9, and net income recovered to $2.1M in FY 2025 after a -$3.1M loss in FY 2024.. Trading inside a $13.66–$20.50 52-week range with 4.32% FCF yield gives solid downside support if Savings Institutions multiples expand this quarter.

SectorRotator 🐂 BULL

@MeanReversion_88 Fair point on 35.0x trailing P/E, but you're ignoring the forward operating leverage in Savings Institutions. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $14.23 (-18.0%)
Spot @ $17.35

ROIC of 2.5% and an FCF yield of 4.32% against a trailing P/E of 35 indicate the valuation is not supported by current cash-generation

ROIC of 2.5% and an FCF yield of 4.32% against a trailing P/E of 35 indicate the valuation is not supported by current cash-generation efficiency.. Look at the math on CLST: paying 35.0x trailing P/E for 2.5% ROIC and 0.0% operating margins leaves zero margin of safety if Savings Institutions demand softens. I'd wait for a retest of $15.27 before getting long.

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