États financiers détaillés de Catalyst Bancorp, Inc. (CLST): compte de résultat, bilan et tableau de flux de trésorerie. Suivez l'évolution des marges, de la dette, de la liquidité et de la rentabilité d'une année sur l'autre avec jusqu'à 20 ans d'historique.
Résumé de l'Analyse
Catalyst Bancorp, Inc. a enregistré un chiffre d'affaires de $15.3M sur le dernier exercice, avec un CAGR sur 5 ans de 10.6%.
Marges des 12 derniers mois: marge brute 72.8%, marge opérationnelle 16.3%, marge nette 13.4%. Le free cash flow a progressé à un CAGR de 58.5% sur 5 ans.
Au prix actuel de $18.00, CLST se négocie à un PER de 28.43 et un ROE de 2.51%. La capitalisation boursière s'établit à $73M.
Compte de Résultat (10 ans)
| Année | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Revenus | $9.3M | $9.3M | $10.1M | $9.0M | $11.0M | $9.9M | $15.3M |
| Coût des Ventes | $2.0M | $2.7M | $135000 | $308000 | $2.1M | $4.8M | $4.2M |
| Marge Brute | $7.3M | $6.6M | $10.0M | $8.7M | $8.9M | $5.0M | $11.2M |
| R&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Frais Généraux | $3.9M | $4.6M | $5.1M | $5.6M | $5.5M | $5.6M | $6.0M |
| Charges Opérationnelles | $5.6M | $7.8M | $7.6M | $8.6M | $8.3M | $9.0M | $8.7M |
| Résultat Opérationnel | $1.7M | -$1.2M | $2.4M | $159000 | $587000 | -$4.0M | $2.5M |
| EBITDA | $2.0M | -$830000 | $2.8M | $607000 | $990000 | -$3.6M | $2.9M |
| Charges d'Intérêt | $1.9M | $1.7M | $795000 | $683000 | $2.0M | $4.3M | $4.1M |
| Résultat Avant Impôts | $1.7M | -$1.2M | $2.4M | $159000 | $587000 | -$4.0M | $2.5M |
| Impôts | $329000 | -$474000 | $484000 | -$21000 | $61000 | -$894000 | $452000 |
| Résultat Net | $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 Dilué | $0.25 | $-0.13 | $0.40 | $0.04 | $0.12 | $-0.78 | $0.56 |
| Actions en Circulation (Diluées) | $5.3M | $5.3M | $4.8M | $4.5M | $4.3M | $3.9M | $3.7M |
Compte de Résultat (Trimestriel)
| Année | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Revenus | $3.8M | $3.9M | $3.9M | $3.9M |
| Marge Brute | $2.8M | $2.8M | $3.0M | $3.1M |
| Résultat Opérationnel | $599000 | $551000 | $684000 | $676000 |
| EBITDA | $706000 | $658000 | $789000 | $676000 |
| Résultat Net | $489000 | $456000 | $558000 | $524000 |
| BPA | $0.13 | $0.13 | $0.16 | $0.15 |
| BPA Dilué | $0.13 | $0.13 | $0.15 | $0.15 |
Bilan (10 ans)
| Année | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Trésorerie | $17.9M | $25.2M | $40.9M | $13.5M | $19.0M | $44.3M | $25.2M |
| Placements à Court Terme | $14.2M | $20.7M | $88.3M | $79.6M | $1.6M | $28.7M | $48.9M |
| Créances | $577000 | $564000 | $579000 | $673000 | $906000 | $851000 | $907000 |
| Stocks | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Actifs Courants | $32.7M | $46.5M | $129.8M | $93.7M | $21.6M | $73.9M | $75.0M |
| Immobilisations Corporelles | $5.3M | $5.5M | $6.6M | $6.3M | $6.1M | $6.1M | $5.8M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Actifs Incorporels | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Actifs Totaux | $218.5M | $224.7M | $285.6M | $263.4M | $270.9M | $276.7M | $282.9M |
| Dettes Fournisseurs | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dette à Court Terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Passifs Courants | $141.6M | $164.6M | $176.8M | $165.1M | $165.6M | $185.7M | $185.3M |
| Dette à Long Terme | 0 | 0 | 0 | 0 | $9.4M | $9.6M | $14.7M |
| Passifs Totaux | $167.4M | $174.2M | $187.1M | $174.8M | $186.4M | $196.5M | $201.2M |
| Réserves | $51.1M | $50.4M | $52.6M | $52.8M | $52.9M | $49.9M | $51.9M |
| Capitaux Propres | $51.1M | $50.5M | $98.6M | $88.5M | $84.6M | $80.2M | $81.7M |
| Dette Totale | 0 | 0 | 0 | 0 | $9.4M | $9.6M | $14.7M |
| Dette Nette | -$32.1M | -$46.0M | -$129.2M | -$93.1M | -$11.3M | -$63.4M | -$59.4M |
| Fonds de Roulement | -$108.9M | -$118.1M | -$47.0M | -$71.3M | -$144.1M | -$111.8M | -$110.3M |
Bilan (Trimestriel)
| Année | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Trésorerie | $37.3M | $25.2M | $38.5M | $5.0M |
| Actifs Totaux | $283.8M | $282.9M | $288.5M | $290.0M |
| Passifs Totaux | $202.2M | $201.2M | $206.3M | $207.5M |
| Capitaux Propres | $81.6M | $81.7M | $82.2M | $82.5M |
| Dette Totale | $14.7M | $14.7M | $9.8M | $9.8M |
Tableau de Flux (10 ans)
| Année | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Résultat Net | $1.3M | -$703000 | $1.9M | $180000 | $526000 | -$3.1M | $2.1M |
| Amortissements | $296000 | $347000 | $424000 | $448000 | $403000 | $412000 | $422000 |
| Stock-based Compensation | 0 | 0 | $73000 | $472000 | $769000 | $812000 | $897000 |
| Variation du BFR | -$62000 | -$221000 | $982000 | -$639000 | $26000 | $68000 | -$291000 |
| Cash Flow Opérationnel | $1.7M | $857000 | $3.4M | $772000 | $2.0M | $3.2M | $3.3M |
| CapEx | -$2.3M | -$547000 | -$1.5M | -$252000 | -$172000 | -$430000 | -$188000 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Rachat d'Actions | 0 | 0 | 0 | -$2.3M | -$6.3M | -$5.8M | -$2.6M |
| Dividendes Payés | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -$581000 | $310000 | $1.9M | $520000 | $1.8M | $2.7M | $3.1M |
Tableau de Flux (Trimestriel)
| Année | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Cash Flow Opérationnel | $912000 | $797000 | $661000 | $958000 |
| CapEx | -$85000 | -$3000 | -$4000 | $4000 |
| Free Cash Flow | $827000 | $794000 | $657000 | $962000 |
| Dividendes Payés | 0 | 0 | 0 | 0 |
| Stock-based Compensation | $239000 | $248000 | $253000 | 0 |
Croissance et Marges (10 ans)
| Année | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Croissance Revenus (annuelle) | | +0.0% | +8.7% | -10.7% | +22.0% | -10.2% | +55.3% |
| Croissance Résultat Net (annuelle) | | -152.9% | +372.4% | -90.6% | +192.2% | -687.3% | +166.4% |
| Croissance BPA (annuelle) | | -152.0% | +407.7% | -90.0% | +200.0% | -750.0% | +171.8% |
| Variation Actions (annuelle) | | +0.0% | -8.9% | -6.6% | -4.4% | -8.4% | -5.4% |
| Croissance FCF (annuelle) | | +153.4% | +518.1% | -72.9% | +253.1% | +49.3% | +13.0% |
| Marge Brute | 78.7% | 71.0% | 98.7% | 96.6% | 81.1% | 50.9% | 72.8% |
| Marge Opérationnelle | 17.8% | -12.7% | 23.8% | 1.8% | 5.3% | -40.3% | 16.3% |
| Marge EBITDA | 21.0% | -8.9% | 28.0% | 6.7% | 9.0% | -36.2% | 19.1% |
| Marge Nette | 14.3% | -7.6% | 19.0% | 2.0% | 4.8% | -31.3% | 13.4% |
| Marge FCF | -6.3% | 3.3% | 19.0% | 5.8% | 16.7% | 27.8% | 20.2% |
| Taux d'Imposition Effectif | 19.9% | 40.3% | 20.2% | -13.2% | 10.4% | 22.4% | 18.1% |
Données par Action (10 ans)
| Année | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF par Action | $-0.11 | $0.06 | $0.40 | $0.12 | $0.43 | $0.70 | $0.83 |
| Dividende par Action | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Actions en Circulation (Basiques) | $5.3M | $5.3M | $4.8M | $4.5M | $4.3M | $3.9M | $3.7M |
Quoi regarder dans les entreprises de Financial Services
- Efficiency Ratio (≤55%) — Charges opérationnelles / revenus. Les meilleures banques sous 55%.
- ROA (≥1%) — Combien gagnent par dollar d'actifs. Le ROE trompe en banque à cause du levier.
- ROTCE (≥12%) — Rentabilité des Capitaux Tangibles. Hors goodwill et incorporels.
- Capitaux / Actifs (proxy Tier 1) (≥8%) — Proxy du ratio de capital. FMP n'expose pas le Tier 1 réglementaire.
- P/B (1,0-1,5x) — Métrique bancaire classique. <1x peut être opportunité ou distress.
- Rendement dividende soutenable (≥2%, <8%) — Banques UE paient 5-7% sans stress. >8% est signal de distress.
Rentabilité
| Rentabilité des capitaux propres | 2.51% |
| Rentabilité du capital investi | 2.10% |
| Rentabilité des actifs | 0.73% |
| Marge brute | 72.84% |
| Marge opérationnelle | 16.32% |
| Marge nette | 13.38% |
Santé financière
| Dette / Capitaux propres | 0.18 |
| Ratio de liquidité | 0.40 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 0.05 |
Ratios Clés (10 ans)
| Année | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| PER | 54.24 | -104.31 | 34.17 | 317.50 | 90.33 | -15.09 | 28.12 |
| P/B | 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 |
| Marge Brute | 78.7% | 71.0% | 98.7% | 96.6% | 81.1% | 50.9% | 72.8% |
| Marge Opérationnelle | 17.8% | -12.7% | 23.8% | 1.8% | 5.3% | -40.3% | 16.3% |
| Marge Nette | 14.3% | -7.6% | 19.0% | 2.0% | 4.8% | -31.3% | 13.4% |