Estados financieros detallados de Catalyst Bancorp, Inc. (CLST): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Catalyst Bancorp, Inc. registró ingresos de $15.3M en el último ejercicio fiscal, con un CAGR de 5 años del 10.6%.
Márgenes de los últimos 12 meses: margen bruto 72.8%, margen operativo 16.3%, margen neto 13.4%. El flujo de caja libre creció a un CAGR del 58.5% en 5 años.
Al precio actual de $18.00, CLST cotiza a un P/E de 28.43 y un ROE del 2.51%. La capitalización bursátil es de $73M.
Cuenta de Resultados (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $9.3M | $9.3M | $10.1M | $9.0M | $11.0M | $9.9M | $15.3M |
| Coste de Ventas | $2.0M | $2.7M | $135000 | $308000 | $2.1M | $4.8M | $4.2M |
| Beneficio Bruto | $7.3M | $6.6M | $10.0M | $8.7M | $8.9M | $5.0M | $11.2M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $3.9M | $4.6M | $5.1M | $5.6M | $5.5M | $5.6M | $6.0M |
| Gastos Operativos | $5.6M | $7.8M | $7.6M | $8.6M | $8.3M | $9.0M | $8.7M |
| Beneficio Operativo | $1.7M | -$1.2M | $2.4M | $159000 | $587000 | -$4.0M | $2.5M |
| EBITDA | $2.0M | -$830000 | $2.8M | $607000 | $990000 | -$3.6M | $2.9M |
| Gastos por Intereses | $1.9M | $1.7M | $795000 | $683000 | $2.0M | $4.3M | $4.1M |
| Beneficio Antes de Impuestos | $1.7M | -$1.2M | $2.4M | $159000 | $587000 | -$4.0M | $2.5M |
| Impuestos | $329000 | -$474000 | $484000 | -$21000 | $61000 | -$894000 | $452000 |
| Beneficio Neto | $1.3M | -$703000 | $1.9M | $180000 | $526000 | -$3.1M | $2.1M |
| BPA | $0.25 | $-0.13 | $0.40 | $0.04 | $0.12 | $-0.78 | $0.56 |
| BPA Diluido | $0.25 | $-0.13 | $0.40 | $0.04 | $0.12 | $-0.78 | $0.56 |
| Acciones en Circulación (Diluidas) | $5.3M | $5.3M | $4.8M | $4.5M | $4.3M | $3.9M | $3.7M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $3.8M | $3.9M | $3.9M | $3.9M |
| Beneficio Bruto | $2.8M | $2.8M | $3.0M | $3.1M |
| Beneficio Operativo | $599000 | $551000 | $684000 | $676000 |
| EBITDA | $706000 | $658000 | $789000 | $676000 |
| Beneficio Neto | $489000 | $456000 | $558000 | $524000 |
| BPA | $0.13 | $0.13 | $0.16 | $0.15 |
| BPA Diluido | $0.13 | $0.13 | $0.15 | $0.15 |
Balance (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $17.9M | $25.2M | $40.9M | $13.5M | $19.0M | $44.3M | $25.2M |
| Inversiones a Corto | $14.2M | $20.7M | $88.3M | $79.6M | $1.6M | $28.7M | $48.9M |
| Cuentas por Cobrar | $577000 | $564000 | $579000 | $673000 | $906000 | $851000 | $907000 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $32.7M | $46.5M | $129.8M | $93.7M | $21.6M | $73.9M | $75.0M |
| Inmovilizado Material | $5.3M | $5.5M | $6.6M | $6.3M | $6.1M | $6.1M | $5.8M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $218.5M | $224.7M | $285.6M | $263.4M | $270.9M | $276.7M | $282.9M |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $141.6M | $164.6M | $176.8M | $165.1M | $165.6M | $185.7M | $185.3M |
| Deuda a Largo | 0 | 0 | 0 | 0 | $9.4M | $9.6M | $14.7M |
| Pasivos Totales | $167.4M | $174.2M | $187.1M | $174.8M | $186.4M | $196.5M | $201.2M |
| Reservas | $51.1M | $50.4M | $52.6M | $52.8M | $52.9M | $49.9M | $51.9M |
| Patrimonio Neto | $51.1M | $50.5M | $98.6M | $88.5M | $84.6M | $80.2M | $81.7M |
| Deuda Total | 0 | 0 | 0 | 0 | $9.4M | $9.6M | $14.7M |
| Deuda Neta | -$32.1M | -$46.0M | -$129.2M | -$93.1M | -$11.3M | -$63.4M | -$59.4M |
| Capital Circulante | -$108.9M | -$118.1M | -$47.0M | -$71.3M | -$144.1M | -$111.8M | -$110.3M |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $37.3M | $25.2M | $38.5M | $5.0M |
| Activos Totales | $283.8M | $282.9M | $288.5M | $290.0M |
| Pasivos Totales | $202.2M | $201.2M | $206.3M | $207.5M |
| Patrimonio Neto | $81.6M | $81.7M | $82.2M | $82.5M |
| Deuda Total | $14.7M | $14.7M | $9.8M | $9.8M |
Flujo de Caja (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $1.3M | -$703000 | $1.9M | $180000 | $526000 | -$3.1M | $2.1M |
| Amortizaciones | $296000 | $347000 | $424000 | $448000 | $403000 | $412000 | $422000 |
| Compensación en Acciones | 0 | 0 | $73000 | $472000 | $769000 | $812000 | $897000 |
| Cambio en Capital Circulante | -$62000 | -$221000 | $982000 | -$639000 | $26000 | $68000 | -$291000 |
| Flujo de Caja Operativo | $1.7M | $857000 | $3.4M | $772000 | $2.0M | $3.2M | $3.3M |
| Inversiones (CapEx) | -$2.3M | -$547000 | -$1.5M | -$252000 | -$172000 | -$430000 | -$188000 |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | 0 | -$2.3M | -$6.3M | -$5.8M | -$2.6M |
| Dividendos Pagados | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Flujo de Caja Libre | -$581000 | $310000 | $1.9M | $520000 | $1.8M | $2.7M | $3.1M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $912000 | $797000 | $661000 | $958000 |
| Inversiones (CapEx) | -$85000 | -$3000 | -$4000 | $4000 |
| Flujo de Caja Libre | $827000 | $794000 | $657000 | $962000 |
| Dividendos Pagados | 0 | 0 | 0 | 0 |
| Compensación en Acciones | $239000 | $248000 | $253000 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +0.0% | +8.7% | -10.7% | +22.0% | -10.2% | +55.3% |
| Crecimiento Beneficio Neto (anual) | | -152.9% | +372.4% | -90.6% | +192.2% | -687.3% | +166.4% |
| Crecimiento BPA (anual) | | -152.0% | +407.7% | -90.0% | +200.0% | -750.0% | +171.8% |
| Cambio en Acciones (anual) | | +0.0% | -8.9% | -6.6% | -4.4% | -8.4% | -5.4% |
| Crecimiento FCF (anual) | | +153.4% | +518.1% | -72.9% | +253.1% | +49.3% | +13.0% |
| Margen Bruto | 78.7% | 71.0% | 98.7% | 96.6% | 81.1% | 50.9% | 72.8% |
| Margen Operativo | 17.8% | -12.7% | 23.8% | 1.8% | 5.3% | -40.3% | 16.3% |
| Margen EBITDA | 21.0% | -8.9% | 28.0% | 6.7% | 9.0% | -36.2% | 19.1% |
| Margen Neto | 14.3% | -7.6% | 19.0% | 2.0% | 4.8% | -31.3% | 13.4% |
| Margen FCF | -6.3% | 3.3% | 19.0% | 5.8% | 16.7% | 27.8% | 20.2% |
| Tasa Impositiva Efectiva | 19.9% | 40.3% | 20.2% | -13.2% | 10.4% | 22.4% | 18.1% |
Datos por Acción (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $-0.11 | $0.06 | $0.40 | $0.12 | $0.43 | $0.70 | $0.83 |
| Dividendo por Acción | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Acciones en Circulación (Básicas) | $5.3M | $5.3M | $4.8M | $4.5M | $4.3M | $3.9M | $3.7M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 2.51% |
| Rentabilidad sobre capital invertido | 2.10% |
| Rentabilidad sobre activos | 0.73% |
| Margen bruto | 72.84% |
| Margen operativo | 16.32% |
| Margen neto | 13.38% |
Salud financiera
| Deuda / Patrimonio | 0.18 |
| Ratio corriente | 0.40 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 0.05 |
Ratios Clave (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 54.24 | -104.31 | 34.17 | 317.50 | 90.33 | -15.09 | 28.12 |
| P/VC | 1.40 | 1.42 | 0.67 | 0.65 | 0.55 | 0.58 | 0.72 |
| P/V | 7.73 | 7.72 | 6.52 | 6.34 | 4.24 | 4.69 | 3.82 |
| Margen Bruto | 78.7% | 71.0% | 98.7% | 96.6% | 81.1% | 50.9% | 72.8% |
| Margen Operativo | 17.8% | -12.7% | 23.8% | 1.8% | 5.3% | -40.3% | 16.3% |
| Margen Neto | 14.3% | -7.6% | 19.0% | 2.0% | 4.8% | -31.3% | 13.4% |