OakChart

Catalyst Bancorp Inc

CLSTFinancial·Banks - Regional·USA·Micro·NASD·Nov 12 • 3:59 PM ET

17.57+0.28 (1.62%)
2026-11-13 13:36 CET
Market cap
$71.09M
Revenue, TTM
- USD m
Net income, TTM
2.52 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
0.68
Price / earnings
25.89
Compare

Price

CLST against its 20, 50 and 200-day averages
Terms2050200Earnings
Patternshover a marker to name it
RS 5716.0018.0020.0012K24KVolumeApr 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CLSTclose 17.5720-day 17.3150-day 17.49200-day 16.6217.5752w high 20.5052-week range, not 7 months

14.3% under the 52-week high of 20.50 on 17 Aug 2026. 52-week low 13.25 on 27 Oct 2025. Last 15 sessions, 8.6% high to low

Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average

Setup. RS line 57
CANSLIM 1 of 6 — fails: 52-Week High/Low: 0-10% below High; Performance: Year +50%; Institutional Ownership: Over 50%; Average Volume: Over 200K — not on the tape: EPS Growth This Year: High (>25%)
VCP 5 of 6 — fails: 52-Week High/Low: 0-10% below High
Minervini 2 of 4 — fails: 52-Week High/Low: 0-10% below High; Performance: Year +50%
Zanger 3 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5
Leaders 2 of 5 — fails: Performance: Year +50%; Average Volume: Over 500K; 52-Week High/Low: 0-10% below High
Breakout 2 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2
Growth 1 of 4 — fails: Return on Equity: Over +15% — not on the tape: EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%)
Quality 0 of 5 — fails: Return on Equity: Over +15%; Net Profit Margin: High (>20%); Debt/Equity: Low (<0.1); P/E: Under 25; Current Ratio: Over 1
Value 1 of 4 — fails: P/E: Under 15; Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 1 of 4 — fails: Dividend Growth: Growing 2+ Years; P/E: Under 25 — not on the tape: Dividend Yield: Over 2%
Small Cap 2 of 4 — fails: Average Volume: Over 500K; Performance: Year +50%
Accumulation 2 of 4 — fails: Institutional Ownership: Over 30%; Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K

Profile

CLST
52-week range, 60% of the way up
13.2520.50

Catalyst Bancorp, Inc. operates as a bank holding company. It provides savings and loan banking services through its subsidiary, Catalyst Bank. The company was founded in 1922 and is headquartered in Opelousas, LA.

Employees49
IPOOct 13, 2021
Beta0.12
ATR, 14d0.41
Rel volume0.00
Short float0.21%
Insider own19.21%
Inst own27.47%

Snapshot

6 groups

Valuation

Index-
Market Cap$71.09M
Enterprise Value-
Income2.52M
Sales20.14M
Book / share20.26
Cash / share-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees49
IPOOct 13, 2021

Ratios

Price / earnings25.89
Forward price / earnings-
Price / earnings / growth-
Price / sales3.53
Price / book0.87
Price / cash-
Price / free cash flow21.94
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio0.33
Debt / equity0.85
Long-term debt / equity0.85
Options and shortNo / Yes

Earnings

Earnings / share0.68
Earnings next year-
Earnings next quarter-
Earnings this year-
Earnings next year-
Earnings growth, 5 years-
Past earnings growth146.90% -
Past sales growth19.07% 11.38%
Earnings vs last year17.80%
Sales vs last year31.73%
Earnings vs last quarter101.94%
Sales vs last quarter119.52%
Earnings-
Surprise- -

Ownership

Insiders own19.21%
Insider trades0.25%
Institutions own27.47%
Institution trades0.09%
Return on assets0.55%
Return on equity3.08%
Return on capital1.66%
Gross Margin-
Operating margin15.94%
Profit Margin12.49%
20-day average1.52%
50-day average0.46%
200-day average5.70%

Technical

Shares out4.05M
Shares floating3.27M
Short / float0.21%
Short ratio2.00
Short interest0.01M
52-week high20.50 -14.3%
52-week low13.25 +32.6%
Volatility1.13% 1.60%
Average range0.41
Strength index52.46
Market sensitivity0.12
Relative volume0.00
Avg Volume3.50K
Volume0

Performance

Perf Week-1.84%
Perf Month1.86%
Perf Quarter1.74%
Perf Half Y10.50%
Perf YTD11.56%
Perf Year19.12%
Perf 3Y58.36%
Perf 5Y27.69%
Perf 10Y-
Recommendation-
Target Price-
Prev Close17.57
Price17.57
Change %0.00%

Peers

Mkt cap
TickerCompanyMkt cap
HFBLHome Federal Bancorp Inc (Louisiana)67.77M
FGBIFirst Guaranty Bancshares Inc214.97M
TCBSTexas Community Bancshares Inc49.89M
ISTRInvestar Holding Corp386.55M
AUBNAuburn National Bancorp Inc90.22M
FUSBFirst US Bancshares Inc85.33M
KFFBKentucky First Federal Bancorp46.50M
RRBIRed River Bancshares Inc685.67M
BFSTBusiness First Bancshares Inc1.04B
HWCHancock Whitney Corp5.17B

Insider trading

7 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Kleiser Kirk E.DirectorNov 04 '26Buy17.7599017,57721,089Nov 06 11:22 AM
Kleiser Kirk E.DirectorNov 04 '26Buy17.7571412,67746,601Nov 06 11:22 AM
Kleiser Kirk E.DirectorSep 16 '26Option Exercise13.2617,457231,53345,887Sep 18 04:32 PM
Kleiser Kirk E.DirectorJun 10 '26Buy16.093,35053,91020,099Jun 11 01:44 PM
Kleiser Kirk E.DirectorJun 10 '26Buy16.132,85045,98328,430Jun 11 01:44 PM
Kleiser Kirk E.DirectorJun 10 '26Sale16.046,00096,2100Jun 11 01:44 PM
Kleiser Kirk E.DirectorJun 10 '26Proposed Sale16.016,00096,060Jun 10 09:44 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 696.31B
VXFVanguard Extended Market Index ETFAUM: 30.79B
IWCiShares Micro-Cap ETFAUM: 1.23B

News

latest 14 of 46
  • Catalyst Bancorp, Inc. Announces 2026 Third Quarter Results (PR Newswire)
  • 2 Small Cap Stocks for Your Short List (Zacks)
  • Top Stock Reports for Cisco, Lam Research & Thermo Fisher (Zacks)
  • Buy the Bayou? 2 Louisiana Microcaps for Your Watchlist (Zacks)
  • Catalyst Bancorp, Inc. Announces 2026 Second Quarter Results (PR Newswire)
  • Catalyst Bancorp, Inc. Completes Acquisition of Lakeside Bancshares, Inc. (PR Newswire)
  • Catalyst Bancorp, Inc. and Lakeside Bancshares, Inc. Announce Shareholder and Regulatory Approvals for Pending Mergers (PR Newswire)
  • Catalyst Bancorp, Inc. Announces 2026 First Quarter Results (PR Newswire)
  • Catalyst Bancorp, Inc. Announces Agreement to Acquire Lakeside Bancshares, Inc. (PR Newswire) -6.61%
  • Catalyst Bancorp, Inc. Announces 2025 Fourth Quarter Results (PR Newswire)
  • Catalyst Bancorp, Inc. Announces New Share Repurchase Plan (PR Newswire)
  • Catalyst Bancorp, Inc. Announces 2025 Third Quarter Results (PR Newswire)
  • Catalyst Bancorp, Inc. Announces 2025 Second Quarter Results (PR Newswire)
  • Catalyst Bancorp, Inc. Announces 2025 First Quarter Results (PR Newswire)

Quarterly earnings

2026Q1 sales 2.90, from 2.92 a year earlier
Sales, USD millions
3.1502024Q2 sales 2.8124Q22024Q3 sales 3.1524Q32024Q4 sales 2.8124Q42025Q1 sales 2.9225Q12025Q2 sales 2.8125Q22025Q3 sales 2.7725Q32025Q4 sales 2.8725Q42026Q1 sales 2.9026Q1

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q1ended 2026-03-312026-04-30 08:30--0.1532.90-EPS - · sales -vs 2025Q1, year-ago quarter · EPS - · sales -0.7%-Open -0.81% vs SPY +0.43%. Close -0.81% vs SPY +0.99%
2025Q4ended 2025-12-312026-01-29 16:30--0.1122.87-EPS - · sales -vs 2024Q4, year-ago quarter · EPS - · sales +2.1%-Open 0.00% vs SPY -0.32%. Close -0.96% vs SPY -0.30%
2025Q3ended 2025-09-302025-10-23 12:00--0.1342.77-EPS - · sales -vs 2024Q3, year-ago quarter · EPS - · sales -12.3%-Open +0.30% vs SPY +0.05%. Close +0.15% vs SPY +0.59%
2025Q2ended 2025-06-302025-07-24 16:30--0.1422.81-EPS - · sales -vs 2024Q2, year-ago quarter · EPS - · sales -0.1%-Open +0.24% vs SPY +0.11%. Close +0.24% vs SPY +0.42%
2025Q1ended 2025-03-312025-04-24 12:00--0.1572.92-EPS - · sales -vs 2024Q1, year-ago quarter · EPS - · sales --Open -0.44% vs SPY +0.24%. Close +0.09% vs SPY +2.10%
2024Q4ended 2024-12-312025-01-23 12:00--0.1462.81-EPS - · sales -vs 2023Q4, year-ago quarter · EPS - · sales +6.7%-Open +0.69% vs SPY -0.11%. Close +1.98% vs SPY +0.55%
2024Q3ended 2024-09-302024-10-24 12:00--0.1153.15-EPS - · sales -vs 2023Q3, year-ago quarter · EPS - · sales +38.4%-Open +1.96% vs SPY +0.34%. Close +2.45% vs SPY +0.22%
2024Q2ended 2024-06-302024-07-31 12:00--0.1332.81-EPS - · sales -vs 2023Q2, year-ago quarter · EPS - · sales +26.8%-Open 0.00% vs SPY +1.29%. Close 0.00% vs SPY +1.63%
2024Q1ended 2024-03-312024-05-02 12:00---1.144--EPS - · sales -vs 2023Q1, year-ago quarter · EPS - · sales --Open 0.00% vs SPY +0.76%. Close +0.43% vs SPY +0.94%
2023Q4ended 2023-12-312024-01-25 12:00--0.0672.63-EPS - · sales -vs 2022Q4, year-ago quarter · EPS - · sales +19.6%-Open -0.83% vs SPY +0.45%. Close -0.33% vs SPY +0.54%
2023Q3ended 2023-09-302023-10-26 12:00--0.0392.28-EPS - · sales ---Open +0.90% vs SPY -0.26%. Close +0.90% vs SPY -1.20%
2023Q2ended 2023-06-302023-07-27 12:00--0.0092.22-EPS - · sales ---Open -1.99% vs SPY +0.77%. Close +1.27% vs SPY -0.66%
2023Q1ended 2023-03-312023-04-27 12:00--0.0162.26-EPS - · sales ----
2022Q4ended 2022-12-312023-01-26 16:30--0.0322.20-EPS - · sales -vs 2021Q4, year-ago quarter · EPS - · sales +14.0%--
2021Q3ended 2021-09-302022-10-27 12:00--0.2713.69-EPS - · sales ----
2021Q2ended 2021-06-302022-07-29 12:00--0.0492.00-EPS - · sales ----

Annual earnings

The earnings feed came back with no years.

Estimate revisions

Latest snapshot of each period and type.

No estimate revisions.

Estimate history

Annual
Metric2019202020212022202320242025TTMMRQ
EPS per share0.263-0.1380.3930.0370.12-0.7840.5580.6787-
Sales USD millions1098911101520-
Shares million shares5555544-4
Quarterly
MetricQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share0.1150.1460.1570.1420.1340.1120.1530.1440.27
Sales USD millions444444448
Shares million shares444444444

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/2019
Interest Income18.4313.90+0.3%13.86+43.5%9.66+20.6%8.01+4.0%7.70-9.3%8.49-5.4%8.97
Total Interest Expense5.644.11-4.9%4.32+120.4%1.96+188.2%0.68-15.0%0.80-53.2%1.71-10.5%1.91
Net Interest Income12.799.79+2.6%9.54+23.7%7.71+5.2%7.33+6.2%6.90+1.6%6.79-3.8%7.06
Loan Loss Provision-0.340.06-88.7%0.53+307.7%0.13-0.38-0.66-167.3%0.98+1300.0%0.07
Net Interest Income After Loan Loss Provision13.139.73+8.0%9.01+18.9%7.58-1.7%7.71+2.0%7.56+30.3%5.80-17.0%6.99
Non-Interest Income1.711.44-4.20-488.9%1.08+0.9%1.07+55.1%0.69+50.0%0.46-35.2%0.71
Non-Interest Expense11.638.67-4.5%9.08+6.7%8.51-2.3%8.71+13.1%7.70+0.5%7.66+22.2%6.27
Operating Income3.212.50-4.27-2946.7%0.15+114.3%0.07-87.3%0.55-1.40-197.9%1.43
Unusual Expense-0.000.000.000.000.000.000.00
Net Income Before Taxes3.212.50-3.98-774.6%0.59+268.7%0.16-93.3%2.40-1.18-170.7%1.67
Income Taxes0.690.45-0.89-1583.3%0.06-0.02-104.2%0.48-0.47-242.4%0.33
Consolidated Net Income2.522.05-3.09-683.0%0.53+194.4%0.18-90.6%1.92-0.70-152.2%1.34
Net Income From Continuing Operations2.522.05-3.09-683.0%0.53+194.4%0.18-90.6%1.92-0.70-152.2%1.34
Net Income2.522.05-3.09-683.0%0.53+194.4%0.18-90.6%1.92-0.70-152.2%1.34
EPS (Recurring) per share-0.56-0.78-750.0%0.12+200.0%0.04-89.7%0.39-0.14-153.8%0.26
EPS (Basic, Before Extraordinaries) per share0.680.56-0.78-750.0%0.12+200.0%0.04-89.7%0.39-0.14-153.8%0.26
EPS (Diluted) per share0.680.56-0.78-750.0%0.12+200.0%0.04-89.7%0.39-0.14-153.8%0.26
Non-Operating Income (Expense)0.00-0.00-100.0%0.29-34.1%0.44+388.9%0.09-95.1%1.85+740.9%0.22-12.0%0.25
Other After Tax Adjustments-0.000.000.000.000.000.000.00
Stock Option Compensation Expense-0.45-29.7%0.64+4.9%0.61+238.9%0.18+260.0%0.05--
Price To Earnings Ratio ratio statement ratio, not the snapshot25.8925.89-112.45604.7637.52--
Price To Sales Ratio ratio3.543.774.804.436.797.94--
Operating Margin %15.9416.33-44.181.400.726.54-15.6014.74
Net Margin %12.4913.38-31.974.901.9822.84-7.8513.83
Shares Outstanding million shares4.054.07-4.9%4.28-10.1%4.76-10.0%5.290.0%5.29+3.9%5.090.0%5.09
Market Capitalization71.0971.09+39.1%51.11-1.1%51.70-23.0%67.18-7.1%72.31-0.2%72.42-

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Interest Income7.73+120.2%3.58+3.5%3.57+5.9%3.55+1.1%3.51-4.4%3.46-1.7%3.37+7.0%3.51+35.0%
Total Interest Expense2.58+143.4%0.990.0%1.02+1.0%1.040.0%1.06-7.0%0.99-8.3%1.01-3.8%1.04+62.5%
Net Interest Income5.15+110.2%2.59+4.9%2.54+7.2%2.51+1.6%2.45-3.2%2.47+0.8%2.37+12.3%2.47+26.0%
Loan Loss Provision-0.26-0.10-0.070.10-0.04-111.8%0.00-100.0%0.00-100.0%0.00-100.0%
Net Interest Income After Loan Loss Provision5.41+117.3%2.69+8.9%2.62+10.5%2.41-2.4%2.49+13.7%2.47+5.1%2.37+17.9%2.47+35.0%
Non-Interest Income0.66+112.9%0.35+6.1%0.35-23.9%0.34+3.0%0.310.0%0.33-2.9%0.460.33+43.5%
Non-Interest Expense4.77+117.8%2.37+9.7%2.28+8.1%2.21+8.9%2.19-1.8%2.16+5.9%2.11-24.1%2.03-4.2%
Operating Income1.30+116.7%0.68+7.9%0.68-5.6%0.55-28.6%0.60+114.3%0.63-3.1%0.720.77
Unusual Expense-0.000.000.000.000.000.000.00
Net Income Before Taxes1.30+116.7%0.68+7.9%0.68-5.6%0.55-28.6%0.60+7.1%0.63-3.1%0.720.77+102.6%
Income Taxes0.32+190.9%0.15+36.4%0.130.0%0.10-28.6%0.110.0%0.11-8.3%0.130.14+133.3%
Consolidated Net Income0.98+100.0%0.520.0%0.56-5.1%0.46-27.0%0.49+8.9%0.52-1.9%0.590.63+96.9%
Net Income From Continuing Operations0.98+100.0%0.520.0%0.56-5.1%0.46-27.0%0.49+8.9%0.52-1.9%0.590.63+96.9%
Net Income0.98+100.0%0.520.0%0.56-5.1%0.46-27.0%0.49+8.9%0.52-1.9%0.590.63+96.9%
EPS (Recurring) per share-0.140.0%0.15-6.3%0.11-26.7%0.13+18.2%0.14+7.7%0.160.15+114.3%
EPS (Basic, Before Extraordinaries) per share0.27+107.7%0.15+7.1%0.160.0%0.11-26.7%0.13+18.2%0.14+7.7%0.160.15+114.3%
EPS (Diluted) per share0.27+107.7%0.140.0%0.15-6.3%0.11-26.7%0.13+18.2%0.14+7.7%0.160.15+114.3%
Non-Operating Income (Expense)0.000.000.000.00-0.00-100.0%0.000.00-100.0%0.00-100.0%
Other After Tax Adjustments-0.000.000.000.000.000.000.00
Stock Option Compensation Expense--0.13+18.2%0.08-50.0%0.14-46.2%0.12+9.1%0.110.0%0.16
Price To Earnings Ratio ratio statement ratio, not the snapshot25.8930.5330.4027.1923.5722.49--
Price To Sales Ratio ratio3.543.873.914.183.152.952.805.21
Operating Margin %15.4817.1817.4414.1515.7016.7418.7620.07
Net Margin %11.6613.3214.2311.7112.7913.7615.2716.30
Shares Outstanding million shares4.05-1.9%4.03-2.7%4.06-3.6%4.07-4.9%4.13-6.1%4.14-7.6%4.21-7.7%4.28-10.1%
Market Capitalization71.09+30.1%66.90+29.2%68.12+34.7%64.79+26.8%54.63+7.8%51.80-1.3%50.59-10.5%51.11-1.1%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/2019
Cash & Due from Banks4.13+1.2%4.08+11.8%3.65-28.3%5.09+3.2%4.93-10.5%5.51+5.2%5.24
Investments87.60+3.9%84.34-16.7%101.24-2.0%103.27-26.0%139.58+135.1%59.38+43.5%41.39
Net Loans167.84+2.0%164.55+15.2%142.80+8.3%131.80+1.5%129.83-12.7%148.78-7.9%161.58
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.00
Real Estate Assets0.03-84.2%0.19+216.7%0.06-81.3%0.32-5.9%0.34-17.1%0.41-61.3%1.06
Net Property, Plant & Equipment5.85-3.8%6.08+0.2%6.07-3.7%6.30-4.3%6.58+19.9%5.49+3.8%5.29
Interest Receivables0.91+7.1%0.85-6.6%0.91+35.8%0.67+15.5%0.58+3.6%0.56-3.4%0.58
Deferred Tax Assets1.19-40.8%2.01-5.6%2.13----
Other Intangible Assets15.73+3.8%15.15+3.3%14.67-7.8%15.91+322.0%3.77-17.1%4.55+36.6%3.33
Total Assets283.29+2.2%277.26+2.1%271.53+3.1%263.36-7.8%285.61+27.1%224.69+2.8%218.47
Total Deposits185.27-0.2%185.67+12.1%165.62+0.3%165.09-6.6%176.79+7.4%164.60+16.2%141.63
Total Debt14.73+54.1%9.56-50.7%19.38+110.7%9.20+2.0%9.02+2.0%8.84-64.6%25.00
Long Term Debt6.73+2.6%6.56-66.2%19.38+110.7%9.20+2.0%9.02+2.0%8.84-64.6%25.00
Provision for Risks Charges0.21+75.0%0.12-53.8%0.260.000.000.000.00
Deferred Tax Liabilities0.36-35.7%0.56-5.1%0.59----
Other Liabilities0.98-14.0%1.14+1.8%1.12+100.0%0.56-54.8%1.24+72.2%0.72+5.9%0.68
Total Liabilities201.56+2.3%197.05+5.4%186.97+6.9%174.85-6.5%187.06+7.4%174.16+4.1%167.31
Preferred Stock - Carrying Value0.000.000.000.000.000.000.00
Common Equity81.72+1.9%80.20-5.2%84.56-4.5%88.51-10.2%98.55+95.0%50.53-1.3%51.17
Total Shareholders Equity81.72+1.9%80.20-5.2%84.56-4.5%88.51-10.2%98.55+95.0%50.53-1.3%51.17
Accumulated Minority Interest0.000.000.000.000.000.000.00
Total Equity81.72+1.9%80.20-5.2%84.56-4.5%88.51-10.2%98.55+95.0%50.53-1.3%51.17
Total Liabilities & Stockholders Equity283.29+2.2%277.26+2.1%271.53+3.1%263.36-7.8%285.61+27.1%224.69+2.8%218.47
Book Value Per Share per share20.06+7.0%18.75+5.6%17.76+6.2%16.73-10.2%18.63+87.8%9.92-1.3%10.05
Tangible Book Value Per Share per share20.06+7.0%18.75+5.6%17.76+6.2%16.73-10.2%18.63+87.8%9.92-1.3%10.05
Tier 1 Capital75.03-2.8%77.22-2.8%79.47+1.2%78.53+0.9%77.82+54.3%50.43-
Tier 2 Capital2.21+4.7%2.11+11.1%1.90+8.6%1.75+13.6%1.54-8.9%1.69-
Full-Time Employees people490.0%49+2.1%48-4.0%50-10.7%56+7.7%52+8.3%48
Price to Book Ratio ratio0.870.630.640.750.741.39-
Return on Assets %0.73-1.130.200.070.75-0.32-
Return on Equity %2.53-3.750.610.192.57-1.38-
Return on Invested Capital %2.32-3.560.510.181.78-1.181.76
Current Ratio ratio0.200.310.160.170.500.210.34

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/2019
Funds from Operations-3.58+15.5%3.10+56.6%1.98+80.0%1.10-55.1%2.45+142.6%1.01-43.3%1.78
Extraordinary Item-0.000.000.000.000.000.000.00
Changes in Working Capital--0.29-514.3%0.07+133.3%0.03-0.33-133.7%0.98-0.15-0.07
Cash from Operating Activities-3.29+3.8%3.17+57.7%2.01+161.0%0.77-77.6%3.43+298.8%0.86-49.7%1.71
Capital Expenditures--0.19-0.43-0.17-10.25-1.51-1.55-2.29
Net Assets From Acquisitions-0.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses-0.00-100.0%0.010.000.00-100.0%0.03+50.0%0.02+100.0%0.01
Purchase or Sale of Investments--21.80-153.2%40.97+261.9%11.32-2.28-64.78-10.38-227.8%8.12
Purchase of Investments--26.50-7.870.00-13.21-77.55-34.14-10.58
Sale Or Maturity of Investments-4.70-90.4%48.84+331.4%11.32+3.7%10.92-14.5%12.77-46.3%23.76+27.1%18.70
Federal Home Loan Advances Increase (Decrease)-0.870.000.000.000.000.000.00
Other Uses-0.000.000.000.000.000.000.00
Other Sources-0.000.000.000.000.000.000.00
Cash from Investing Activities--24.39-236.9%17.82-0.27-14.14-46.59-0.31-107.5%4.16
Cash Dividends Paid-0.000.000.000.000.000.000.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.00
Change in Capital Stock--2.59-5.76-6.32-2.34-104.6%50.840.000.00
Repurchase of Common Pref Stock--2.59-5.76-6.32-2.340.000.000.00
Sale of Common Pref Stock-0.000.000.000.00-100.0%50.840.000.00
Proceedsfrom Stock Options-0.000.000.000.00-100.0%50.840.000.00
Issuance or Reduction of Debt, Net-5.00-10.00-200.0%10.000.00-4.23-15.000.00
Change in Long Term Debt-0.000.000.000.000.00-15.000.00
Issuance of Long Term Debt-0.000.000.000.000.000.000.00
Reduction of Long Term Debt-0.000.000.000.000.00-15.000.00
Net Financing Active Other Cash Flow-0.000.000.000.000.00-1.180.00
Other Financing Activities Uses-0.000.000.000.000.00-1.180.00
Cash from Financing Activities-2.01-53.1%4.29+1.9%4.21-14.04-123.9%58.80+766.0%6.79-4.81
Net Change in Cash--19.09-175.5%25.28+356.3%5.54-27.41-275.3%15.64+113.1%7.34+586.0%1.07
Free Cash Flow-3.10+13.1%2.74+48.9%1.84+253.8%0.52-72.9%1.92+519.4%0.31-0.58
Price to Free Cash Flow ratio-18.6816.9125.90118.6234.74--

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Cash & Due from Banks9.65+114.0%4.97+23.6%4.90+18.6%4.13+1.2%4.51+24.6%4.02-18.8%4.13+32.4%4.08+11.8%
Investments194.51+108.1%101.05+24.6%98.73+23.0%87.60+3.9%93.49+4.2%81.10-29.9%80.28-29.4%84.34-16.7%
Net Loans377.89+132.7%160.60-2.7%161.38-1.3%167.84+2.0%162.37-0.7%165.14+9.3%163.58+15.7%164.55+15.2%
Investment in Unconsolidated Affiliates-0.000.000.000.000.000.000.00
Net Property, Plant & Equipment15.16+154.8%5.65-5.5%5.75-5.0%5.85-3.8%5.95-2.9%5.98-2.1%6.05+0.8%6.08+0.2%
Interest Receivables2.14+148.8%0.880.0%0.85-2.3%0.91+7.1%0.86+6.2%0.88+18.9%0.87+19.2%0.85-6.6%
Deferred Tax Assets---1.19-40.8%---2.01
Other Intangible Assets31.88+92.4%16.86+1.7%16.87+1.2%15.73+3.8%16.57-0.7%16.58-1.0%16.67+11.4%15.15-6.5%
Total Assets631.23+122.4%290.01+5.9%288.51+6.2%283.29+2.2%283.83+1.1%273.79-7.3%271.65-3.7%277.26+2.3%
Total Deposits475.55+155.2%196.39+7.8%195.37+8.2%185.27-0.2%186.37+11.3%182.21+1.2%180.60+6.5%185.67+12.1%
Total Debt69.96+376.2%9.79+1.5%9.76+1.7%14.73+54.1%14.69-50.2%9.65-68.1%9.60-67.4%9.56-50.7%
Long Term Debt69.96+376.2%9.79+1.5%9.76+1.7%6.73+2.6%14.69-50.2%9.65-68.1%9.60-67.4%6.56-66.2%
Provision for Risks Charges-0.18+38.5%0.18+80.0%0.21+75.0%0.13-43.5%0.130.10-67.7%0.12
Deferred Tax Liabilities---0.36-35.7%---0.56
Other Liabilities3.76+254.7%1.13+13.0%0.99+32.0%0.98-14.0%1.06-40.1%1.00-74.9%0.75-43.2%1.14-10.9%
Total Liabilities549.27+171.6%207.48+7.5%206.30+8.0%201.56+2.3%202.25+1.7%192.99-10.0%191.06-4.8%197.05+5.8%
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.00
Common Equity81.95+0.5%82.53+2.1%82.21+2.0%81.72+1.9%81.58-0.1%80.80-0.3%80.59-0.9%80.20-5.3%
Total Shareholders Equity81.95+0.5%82.53+2.1%82.21+2.0%81.72+1.9%81.58-0.1%80.80-0.3%80.59-0.9%80.20-5.3%
Accumulated Minority Interest-0.000.000.000.000.000.000.00
Total Equity81.95+0.5%82.53+2.1%82.21+2.0%81.72+1.9%81.58-0.1%80.80-0.3%80.59-0.9%80.20-5.3%
Total Liabilities & Stockholders Equity631.23+122.4%290.01+5.9%288.51+6.2%283.29+2.2%283.83+1.1%273.79-7.3%271.65-3.7%277.26+2.3%
Book Value Per Share per share20.26+2.5%20.46+4.9%20.26+5.7%20.06+7.0%19.76+6.5%19.50+7.8%19.16+7.3%18.75+5.5%
Tangible Book Value Per Share per share17.42-11.8%20.46+4.9%20.26+5.7%20.06+7.0%19.76+6.5%19.50+7.8%19.16+7.3%18.75+5.5%
Tier 1 Capital---75.03-2.8%---77.22-2.8%
Tier 2 Capital---2.21+4.7%---2.11+11.1%
Full-Time Employees people83--490.0%---49+2.1%
Price to Book Ratio ratio0.870.810.830.800.680.650.620.63
Return on Assets %0.550.720.720.730.790.770.79-1.12
Return on Equity %3.082.482.492.532.722.692.70-3.73
Return on Invested Capital %0.640.570.610.520.510.580.650.72
Current Ratio ratio0.330.490.510.200.510.540.530.31

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q32026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Funds from Operations-0.76-12.6%0.85-13.3%0.91-9.9%0.83-29.7%0.87-13.0%0.981.01+13.5%
Extraordinary Item-0.000.000.000.000.000.000.00
Changes in Working Capital-0.20-28.6%-0.18-0.110.080.28-28.2%-0.55-266.7%-0.37-1025.0%
Cash from Operating Activities-0.96-16.5%0.66+53.5%0.80+25.0%0.91+1.1%1.15-17.3%0.43+72.0%0.64-31.2%
Capital Expenditures-0.00-0.00-0.00-0.09-0.03-0.07-0.06
Net Assets From Acquisitions-0.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses-0.000.000.000.000.000.00-100.0%0.00
Purchase or Sale of Investments--4.022.15-5.28-324.7%-15.29-0.70-0.53-101.2%2.35-51.0%
Purchase of Investments--6.020.00-7.46-16.26-1.51-1.270.00
Sale Or Maturity of Investments-2.00+146.9%2.15+190.5%2.19-6.8%0.97-43.6%0.81+14.1%0.74-98.3%2.35-51.0%
Other Uses-0.000.000.000.000.000.000.00
Other Sources-0.000.000.000.000.000.000.00
Cash from Investing Activities--3.137.83+408.4%-10.96-1114.8%-12.69-2.281.54-96.6%1.08
Cash Dividends Paid-0.000.000.000.000.000.000.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.00
Change in Capital Stock--0.39-0.26-0.81-0.17-0.74-0.87-1.42
Repurchase of Common Pref Stock--0.39-0.26-0.81-0.17-0.74-0.87-1.42
Sale of Common Pref Stock-0.000.000.000.000.000.000.00
Proceedsfrom Stock Options-0.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-0.00-5.000.005.00-45.7%0.000.00-20.00
Change in Long Term Debt-0.000.000.000.000.000.000.00
Issuance of Long Term Debt-0.000.000.000.000.000.000.00
Reduction of Long Term Debt-0.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow-0.000.000.000.000.000.00-100.0%0.00-100.0%
Other Financing Activities Uses-0.000.000.000.000.000.000.00
Cash from Financing Activities-0.62-28.7%4.84-1.918.990.87-91.5%-5.94-151.4%-3.18-132.3%
Net Change in Cash--1.5513.33-12.07-2.79-0.26-3.98-107.0%-1.46-125.4%
Free Cash Flow-0.96-14.3%0.66+83.3%0.79+36.2%0.83+7.8%1.12-4.3%0.36+63.6%0.58-37.0%
Price to Free Cash Flow ratio-18.6217.7720.7116.7016.0715.0718.36

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Product
Name20242025vs 20242025 share
Savings Institution, Federally Chartered5.7111.15+95.4%100.0%
Total5.7111.15+95.4%100.0%
Region
Name20242025vs 20242025 share
United States5.7111.15+95.4%100.0%
Total5.7111.15+95.4%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.21%0.0M3.3M3.35K
2026-10-150.20%0.0M3.3M2.82K
2026-09-300.18%0.0M3.3M2.93K
2026-09-150.23%0.0M3.3M2.90K
2026-08-310.22%0.0M3.3M2.89K
2026-08-140.23%0.0M3.3M2.90K
2026-07-310.22%0.0M3.3M3.93K
2026-07-150.24%0.0M3.3M4.06K
2026-06-300.25%0.0M3.3M6.35K
2026-06-150.22%0.0M3.3M6.51K
2026-05-290.21%0.0M3.4M6.93K
2026-05-150.22%0.0M3.4M6.81K
2026-04-300.22%0.0M3.4M6.28K
2026-04-150.25%0.0M3.3M6.87K
2026-03-310.21%0.0M3.3M4.68K
2026-03-130.21%0.0M3.4M4.99K
2026-02-270.22%0.0M3.4M4.50K
2026-02-130.21%0.0M3.4M5.37K
2026-01-300.18%0.0M3.4M6.19K
2026-01-150.18%0.0M3.4M7.34K

Option chain

expiry 2026-11-13
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-064Statement of changes in beneficial ownership of securities2026-11-04SEC
2026-10-298-KCurrent report2026-10-29SEC
2026-09-298-K/A2026-07-14SEC
2026-09-184Statement of changes in beneficial ownership of securities2026-09-16SEC
2026-09-158-KCurrent report2026-09-13SEC
2026-09-024Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-024Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-024Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-08-27DFAN14ADefinitive additional proxy soliciting materials filed by non-management including Rule 14(a)(12) material.SEC
2026-08-27SCHEDULE 13D/ASEC
2026-08-188-KCurrent report2026-08-17SEC
2026-08-1410-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-308-KCurrent report2026-07-30SEC
2026-07-148-KCurrent report2026-07-14SEC
2026-06-3011-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-268-KCurrent report2026-06-26SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-124/A2026-06-10SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-11SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-10144Filing for proposed sale of securities under Rule 144.SEC
2026-05-218-KCurrent report2026-05-19SEC
2026-05-1510-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-1130.25K200
2026-100000
2026-090000
2026-080000
2026-070000
2026-0699.89K296.21K1
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
Stilwell Value LLC8.99%
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC4.82%
VANGUARD CAPITAL MANAGEMENT LLC4.68%
Knott David M Jr2.81%
BlackRock, Inc.1.70%
ALLIANCEBERNSTEIN L.P.1.51%
GEODE CAPITAL MANAGEMENT, LLC0.85%
Montz Harcus Wealth Management LLC0.74%
Kestra Advisory Services, LLC0.62%
VANGUARD FIDUCIARY TRUST CO0.60%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.61%
VANGUARD EXTENDED MARKET INDEX FUND1.03%
Fidelity Extended Market Index Fund0.37%
iShares Micro-Cap ETF0.30%
Fidelity Total Market Index Fund0.18%
Fidelity Series Total Market Index Fund0.12%
Schwab Total Stock Market Index Fund0.05%
VANGUARD BALANCED INDEX FUND0.04%
1290 VT Micro Cap Portfolio0.02%

OakChart. CLST. Cached 15 minutes. Terms

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