Catalyst Bancorp Inc (CLST)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$17.90+0.11%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · CLST
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -31.4% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 8.7% |
Growth built into the price is above our model estimate.
The price assumes 40.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of — · Company calendar date is not available
CLST — officer change
Dated 2026-09-15
CFO — Jacques Bourque: The filing discloses the execution of new employment agreements for existing executives, which is a compensatory arrangement rather than a change in management status or departure.
Why it matters: A troubled acquired property loan drove much of the rise in problem loans. More trouble could raise credit costs.
Worry ifNon-performing loans rise above $4.4 million. Or, the $2.0 million acquired property loan needs more money set aside for losses.
Less concerning ifNon-performing loans fall below $4.4 million, and the acquired loan needs no more money set aside for losses.
Why it matters: Repurchases continued, but the number of shares bought fell in Q3. A steady pace would show that this capital plan remains active.
Watch forThe next report shows more than 5,640 shares repurchased in the quarter.
Also watch forThe next report shows no shares repurchased, or fewer than 5,640 shares bought.
Why it matters: Most planned merger savings depend on this conversion. Savings would help show that the deal is working.
Supportive ifThe bank completes the November conversion. In its next results, it reports lower costs from joining back-office work.
Worry ifThe conversion is delayed, or the next results show no lower costs from joined back-office work.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$78 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $185 loss on $10,000 · 1.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,019 loss on $10,000 · 10.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.