Does CLST pay a dividend and is it safe?

Catalyst Bancorp Inc. (CLST) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Financials / CLST / dividends

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

Catalyst Bancorp Inc. (CLST) Dividend Safety Gauge & 10-Year DRIP Compounder

$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

⚡ 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 $17.78 (+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 1097 tracked Financials issuers, CLST ranks #535 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+

Quant Analyst Panel 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 RQD 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: 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)

Grade D$17.25-1.9% Next Q

Q2 (-2Q)

Grade C-$16.93-0.1% Next Q

Q3 (-1Q)

Grade C-$16.91+5.1% Next Q

Current

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 →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

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

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 #535 of 1097 ⚔️ 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 1097 tracked Financials securities in the Roarable RQD universe, Catalyst Bancorp Inc. (CLST) ranks #535 by composite RQD confidence (55/100, grade D+) and #999 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?

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 $17.78 (+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) ↓

🟡 MARKET WIRE TradingView • 1d 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 • 1d 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 • 2d 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 $17.78?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CLST 🐻 33% BEARISH CONVICTION

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.