Stock Ratings / Financials / CLST / options

HFBL (70) CPBI (67) FDSB (58) BYFC (37) ⌘ Pro Terminal →

Catalyst Bancorp Inc. (CLST) Options Positioning, Max Pain & Unusual Sweeps

$17.35 -2.42% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.24

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.

📊 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) →

ROARABLE D+ • SELL / AVOID Cap $70.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CLST Below — or Connect Your Own ChatGPT / Claude

🤖 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 $17.35 (-2.42% 1D, market cap $70.0M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 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 $0 in revenue, $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: $17.24 (-0.63%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.1% 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+

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

Each axis scored 0–20

12M PRICE TARGET CONE-1.3% Base Target

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: 54% 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)

Grade D$17.25-1.9% Next Q

Q2 (-2Q)

Grade C-$16.93-0.1% Next Q

Q3 (-1Q)

Grade C-$16.91+2.6% Next Q

Current

Grade D+$17.35-0.5% 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 ($17.12) toward Bear Floor ($13.35).

🎲 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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±2.8%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CLST)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CLST.

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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: +9.12%▲ ASCENDING CHANNEL

2026-11-03O $17.78H $17.78L $17.35C $17.35VOL 5.5K

RES: $19.34SUP: $16.40SMA50: $17.45SMA200: $16.63

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

27.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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%	-2.42%	$70.0M	Benchmark Subject
HFBL Home Federal Bancorp Inc. of Louisiana	B-	70/100	17.4x	—	6.7%	+2.19%	$69.2M	/hfbl-vs-clst →
CPBI Central Plains Bancshares Inc.	C+	67/100	21.5x	—	4.6%	0.00%	$86.0M	/cpbi-vs-clst →
FDSB Fifth District Bancorp Inc.	D+	58/100	22.3x	—	3.2%	+0.72%	$92.0M	/fdsb-vs-clst →
BYFC Broadway Financial Corporation (Class A)	D-	37/100	—	—	-9.4%	-0.17%	$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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$2.1M	$3.3M	$3.1M	$282.9M	—
FY2024 (FY)	2024-12-31	$0	-$3.1M	$3.2M	$2.7M	$276.7M	—
FY2023 (FY)	2023-12-31	$0	$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?

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

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

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

CLST last traded at $17.35 (-2.42% on volume of 5,450 shares), positioning the stock -0.57% below its 50-day simple moving average ($17.45) and +4.33% above its 200-day simple moving average ($16.63). Across its 52-week range of $13.66 to $20.50, CLST sits at the 53.9% percentile with a 14-day RSI of 51.6 (NEUTRAL RANGE) and an implied next-earnings move of ±2.8% ($16.86 to $17.84).

CLST Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is CLST's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for CLST.

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+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:45:36Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, CLST scores 58 out of 100, a D+ grade with the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are:

Fundamental Cash Engine: 9 / 20. The lowest-scoring pillar, reflecting ROIC of 2.5% and an FCF yield of 4.32%. For a prospective investor, this indicates limited capital efficiency relative to the price paid.
Whale 13F Flow: 11 / 20. Scored on institutional accumulation and options positioning. The score is below midpoint, so institutional support is modest based on the source data.
Insider Conviction: 11 / 20. Scored on SEC Form 4 and Congressional PTR cluster flow. The score is below midpoint; no detailed insider transaction records are provided in the source data.
Macro Regime Fit: 14 / 20. Beta of 1.0 and sector sensitivity. This is a market-neutral volatility profile, not a defensive one.
Forensic Balance Sheet: 13 / 20. Altman Z of 2.5, Piotroski F of 5/9, and Debt/Equity of 0.5. This is the strongest pillar, suggesting the balance sheet is more stable than the earnings engine.

Investor implications: the upside case rests on the balance sheet holding up and earnings continuing to recover from the prior-year loss. The valuation tradeoff is significant: a trailing P/E of 35 against EPS of 0.51 prices in substantial future growth, while the ROIC of 2.5% does not yet support that premium. The pillar profile suggests a stock where the price and the cash-generation metrics are not well aligned.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$2.1M	N/A	$3.1M	$25.2M	N/A
FY 2024	$0.0M	$0.0M	$-3.1M	N/A	$2.7M	$44.3M	N/A
FY 2023	$0.0M	$0.0M	$0.5M	N/A	$2.0M	N/A	N/A

Per the SEC financials, net income moved from $0.5M in FY 2023 to $-3.1M in FY 2024, then to $2.1M in FY 2025. Reported cash declined from $44.3M in FY 2024 to $25.2M in FY 2025. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 5/9, and Debt/Equity is 0.5. Per the market data, gross, operating, and net margins are each reported as 0%, and ROIC is 2.5%. Revenue and operating income are reported as $0.0M, so margin figures cannot be independently verified from the source data.

Recent Catalysts & News Wire Analysis

Per the recent news feed, all six items relate to CLST:

Q3 2026 results. Multiple items report third-quarter results, including one headline citing net income of $978,000 and another citing a sequential increase of 87%. Per the news feed, Q3 net income is $978,000.
Lakeside acquisition. A Kalkine report states the company completed the Lakeside acquisition.
Equity buyback. A MarketScreener item references a tranche update on an equity buyback plan announced November 20, 2025, flagged as a catalyst item.
Risk watch items. The news feed contains no explicit risk items beyond the general market-wire coverage. Per the Butterfly Supply-Chain Graph, no proprietary signals are present.

Open Questions

What is the company's revenue and how is it generated? All reported revenue figures are $0.0M, and the source does not describe the lending or deposit business.
Why does the FY 2024 and FY 2025 net income swing (from $-3.1M to $2.1M) occur, and is the Q3 2026 earnings result sustainable?
What is the reported EPS? The EPS field is N/A across all periods, while EPS (TTM) is 0.51. The reconciliation is not in the source.
What were the terms, price, and effect of the Lakeside acquisition on balance sheet and earnings?
Who holds the stock, and what is the insider and institutional activity? The holders and analyst data sections are empty.

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) ↓

🟡 MARKET WIRE TradingView • 18h ago

Catalyst Bancorp, Inc. Announces 2026 Third Quarter Results

TradingView report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 21h ago

Catalyst Bancorp Reports Q3 2026 Earnings: Net Income of $978,00

GuruFocus report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST www.marketscreener.com • 1d ago

Tranche Update on Catalyst Bancorp, Inc.'s Equity Buyback Plan announced on November 20, 2025.

www.marketscreener.com report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Kalkine • 1d ago

Catalyst Bancorp (NASDAQ:CLST) Completes Lakeside Acquisition, Q3 Net Income Climbs 87% Sequentially

Kalkine report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Catalyst Bancorp Reports $978,000 Third Quarter Net Income

Quiver Quantitative report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Catalyst Bancorp Q3 2026 Earnings Results and Report

MarketBeat report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

Catalyst Bancorp, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026

www.marketscreener.com report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 1d ago

Trading Systems Reacting to (CLST) Volatility

Stock Traders Daily report covering Catalyst Bancorp Inc. (CLST) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CLST Bull vs. Bear Conversation Board — What's Your Call at $17.35?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CLST 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $19.20 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is CLST (D+ • RQD 58/100) a Buy at $17.78?

Welcome to the CLST (Catalyst Bancorp Inc.) Roar Pit. Current RQD Composite is 58/100 (Roarable Sell — Weak Fundamentals / Trim) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (35.0x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $13.51 (-24.0%)

Spot @ $17.78

Pump the brakes on CLST — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CLST, but look at what you are paying: 35.0x trailing P/E with tightening sector spreads. Unless Catalyst Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $21.69 (+22.0%)

Spot @ $17.78

CLST cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CLST, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $17.78 (52-wk range $13.65 - $20.50), any beat on forward guidance forces shorts and underweight funds to chase.