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Side-by-side financial comparison of Axos Financial, Inc. (AX) and Catalyst Bancorp, Inc. (CLST). Click either name above to swap in a different company.
Axos Financial, Inc. is the larger business by last-quarter revenue ($331.7M vs $2.5M, roughly 132.3× Catalyst Bancorp, Inc.). Axos Financial, Inc. runs the higher net margin — 38.7% vs 18.2%, a 20.5% gap on every dollar of revenue. On growth, Axos Financial, Inc. posted the faster year-over-year revenue change (18.4% vs 1.4%). Axos Financial, Inc. produced more free cash flow last quarter ($85.4M vs $794.0K).
Axos Financial is an American bank holding company based in Las Vegas, Nevada and is the parent of Axos Bank, a direct bank. It also offers registered investment adviser services and an electronic trading platform.
Catalyst Bancorp, Inc. is a U.S.-based financial holding company that operates community banking subsidiaries. It provides a full range of retail and commercial banking products including checking and savings accounts, small business loans, residential mortgages, personal lending, and wealth management services, primarily serving local regional markets across the U.S. with a focus on individual consumers and small business clients.
AX vs CLST — Head-to-Head
Income Statement — Q2 2026 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $331.7M | $2.5M |
| Net Profit | $128.4M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 52.9% | 22.0% |
| Net Margin | 38.7% | 18.2% |
| Revenue YoY | 18.4% | 1.4% |
| Net Profit YoY | 22.6% | -27.2% |
| EPS (diluted) | $2.22 | $0.13 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $331.7M | $2.5M | ||
| Q3 25 | $291.1M | $2.5M | ||
| Q2 25 | — | $2.5M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $2.5M | ||
| Q2 24 | — | $2.4M | ||
| Q1 24 | — | $2.1M |
| Q4 25 | $128.4M | $456.0K | ||
| Q3 25 | $112.4M | $489.0K | ||
| Q2 25 | — | $521.0K | ||
| Q1 25 | — | $586.0K | ||
| Q4 24 | — | $626.0K | ||
| Q3 24 | — | $447.0K | ||
| Q2 24 | — | $527.0K | ||
| Q1 24 | — | $-4.7M |
| Q4 25 | 52.9% | 22.0% | ||
| Q3 25 | 51.5% | 24.4% | ||
| Q2 25 | — | 25.7% | ||
| Q1 25 | — | 30.4% | ||
| Q4 24 | — | 31.2% | ||
| Q3 24 | — | 21.9% | ||
| Q2 24 | — | 26.4% | ||
| Q1 24 | — | -284.6% |
| Q4 25 | 38.7% | 18.2% | ||
| Q3 25 | 38.6% | 20.0% | ||
| Q2 25 | — | 21.1% | ||
| Q1 25 | — | 24.8% | ||
| Q4 24 | — | 25.3% | ||
| Q3 24 | — | 17.7% | ||
| Q2 24 | — | 21.5% | ||
| Q1 24 | — | -224.0% |
| Q4 25 | $2.22 | $0.13 | ||
| Q3 25 | $1.94 | $0.13 | ||
| Q2 25 | — | $0.14 | ||
| Q1 25 | — | $0.16 | ||
| Q4 24 | — | $0.13 | ||
| Q3 24 | — | $0.11 | ||
| Q2 24 | — | $0.13 | ||
| Q1 24 | — | $-1.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.0B | $25.2M |
| Total DebtLower is stronger | — | $14.7M |
| Stockholders' EquityBook value | $2.9B | $81.7M |
| Total Assets | $28.2B | $282.9M |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $25.2M | ||
| Q3 25 | $2.6B | $37.3M | ||
| Q2 25 | — | $40.1M | ||
| Q1 25 | — | $40.3M | ||
| Q4 24 | — | $44.3M | ||
| Q3 24 | — | $45.8M | ||
| Q2 24 | — | $75.5M | ||
| Q1 24 | — | $76.0M |
| Q4 25 | — | $14.7M | ||
| Q3 25 | — | $14.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $9.6M | ||
| Q3 24 | — | $29.5M | ||
| Q2 24 | — | $30.3M | ||
| Q1 24 | — | $29.4M |
| Q4 25 | $2.9B | $81.7M | ||
| Q3 25 | $2.8B | $81.6M | ||
| Q2 25 | — | $80.8M | ||
| Q1 25 | — | $80.6M | ||
| Q4 24 | — | $80.2M | ||
| Q3 24 | — | $81.7M | ||
| Q2 24 | — | $81.0M | ||
| Q1 24 | — | $81.3M |
| Q4 25 | $28.2B | $282.9M | ||
| Q3 25 | $27.4B | $283.8M | ||
| Q2 25 | — | $273.8M | ||
| Q1 25 | — | $271.6M | ||
| Q4 24 | — | $276.7M | ||
| Q3 24 | — | $280.6M | ||
| Q2 24 | — | $295.3M | ||
| Q1 24 | — | $282.0M |
| Q4 25 | — | 0.18× | ||
| Q3 25 | — | 0.18× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.12× | ||
| Q3 24 | — | 0.36× | ||
| Q2 24 | — | 0.37× | ||
| Q1 24 | — | 0.36× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $104.1M | $797.0K |
| Free Cash FlowOCF − Capex | $85.4M | $794.0K |
| FCF MarginFCF / Revenue | 25.8% | 31.7% |
| Capex IntensityCapex / Revenue | 5.6% | 0.1% |
| Cash ConversionOCF / Net Profit | 0.81× | 1.75× |
| TTM Free Cash FlowTrailing 4 quarters | — | $3.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.1M | $797.0K | ||
| Q3 25 | $118.4M | $912.0K | ||
| Q2 25 | — | $1.2M | ||
| Q1 25 | — | $427.0K | ||
| Q4 24 | — | $636.0K | ||
| Q3 24 | — | $896.0K | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $247.0K |
| Q4 25 | $85.4M | $794.0K | ||
| Q3 25 | $109.3M | $827.0K | ||
| Q2 25 | — | $1.1M | ||
| Q1 25 | — | $361.0K | ||
| Q4 24 | — | $581.0K | ||
| Q3 24 | — | $771.0K | ||
| Q2 24 | — | $1.2M | ||
| Q1 24 | — | $223.0K |
| Q4 25 | 25.8% | 31.7% | ||
| Q3 25 | 37.5% | 33.8% | ||
| Q2 25 | — | 45.3% | ||
| Q1 25 | — | 15.3% | ||
| Q4 24 | — | 23.5% | ||
| Q3 24 | — | 30.5% | ||
| Q2 24 | — | 47.7% | ||
| Q1 24 | — | 10.7% |
| Q4 25 | 5.6% | 0.1% | ||
| Q3 25 | 3.1% | 3.5% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 2.8% | ||
| Q4 24 | — | 2.2% | ||
| Q3 24 | — | 4.9% | ||
| Q2 24 | — | 9.2% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 0.81× | 1.75× | ||
| Q3 25 | 1.05× | 1.87× | ||
| Q2 25 | — | 2.21× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 2.00× | ||
| Q2 24 | — | 2.64× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
