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Side-by-side financial comparison of Catalyst Bancorp, Inc. (CLST) and Eastern Bankshares, Inc. (EBC). Click either name above to swap in a different company.
Eastern Bankshares, Inc. is the larger business by last-quarter revenue ($295.9M vs $2.5M, roughly 118.0× Catalyst Bancorp, Inc.). Eastern Bankshares, Inc. runs the higher net margin — 22.1% vs 18.2%, a 3.9% gap on every dollar of revenue. On growth, Eastern Bankshares, Inc. posted the faster year-over-year revenue change (1.7% vs 1.4%). Over the past eight quarters, Eastern Bankshares, Inc.'s revenue compounded faster (220.1% CAGR vs 9.4%).
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.
Eastern Bank is a bank based in Boston, Massachusetts. Before de-mutualizing in 2020, it was the oldest and largest mutual bank in the United States and the largest community bank in Massachusetts.
CLST vs EBC — Head-to-Head
Income Statement — Q4 2025 vs Q1 2026
| Metric | | |
|---|---|---|
| Revenue | $2.5M | $295.9M |
| Net Profit | $456.0K | $65.3M |
| Gross Margin | — | — |
| Operating Margin | 22.0% | — |
| Net Margin | 18.2% | 22.1% |
| Revenue YoY | 1.4% | 1.7% |
| Net Profit YoY | -27.2% | 289.8% |
| EPS (diluted) | $0.13 | $0.29 |
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.
| Q1 26 | — | $295.9M | ||
| Q4 25 | $2.5M | $37.5M | ||
| Q3 25 | $2.5M | $33.0M | ||
| Q2 25 | $2.5M | $32.5M | ||
| Q1 25 | $2.4M | $31.1M | ||
| Q4 24 | $2.5M | $33.2M | ||
| Q3 24 | $2.5M | $30.1M | ||
| Q2 24 | $2.4M | $28.9M |
| Q1 26 | — | $65.3M | ||
| Q4 25 | $456.0K | $99.5M | ||
| Q3 25 | $489.0K | $106.1M | ||
| Q2 25 | $521.0K | $100.2M | ||
| Q1 25 | $586.0K | $-217.7M | ||
| Q4 24 | $626.0K | $60.8M | ||
| Q3 24 | $447.0K | $-6.2M | ||
| Q2 24 | $527.0K | $26.3M |
| Q1 26 | — | — | ||
| Q4 25 | 22.0% | — | ||
| Q3 25 | 24.4% | — | ||
| Q2 25 | 25.7% | — | ||
| Q1 25 | 30.4% | -590.9% | ||
| Q4 24 | 31.2% | — | ||
| Q3 24 | 21.9% | -11.1% | ||
| Q2 24 | 26.4% | — |
| Q1 26 | — | 22.1% | ||
| Q4 25 | 18.2% | 265.6% | ||
| Q3 25 | 20.0% | 321.9% | ||
| Q2 25 | 21.1% | 308.2% | ||
| Q1 25 | 24.8% | -699.2% | ||
| Q4 24 | 25.3% | 183.1% | ||
| Q3 24 | 17.7% | -20.5% | ||
| Q2 24 | 21.5% | 91.2% |
| Q1 26 | — | $0.29 | ||
| Q4 25 | $0.13 | $0.48 | ||
| Q3 25 | $0.13 | $0.53 | ||
| Q2 25 | $0.14 | $0.50 | ||
| Q1 25 | $0.16 | $-1.08 | ||
| Q4 24 | $0.13 | $0.29 | ||
| Q3 24 | $0.11 | $-0.03 | ||
| Q2 24 | $0.13 | $0.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $25.2M | $551.7M |
| Total DebtLower is stronger | $14.7M | — |
| Stockholders' EquityBook value | $81.7M | $4.3B |
| Total Assets | $282.9M | $30.6B |
| Debt / EquityLower = less leverage | 0.18× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $551.7M | ||
| Q4 25 | $25.2M | $507.6M | ||
| Q3 25 | $37.3M | $703.4M | ||
| Q2 25 | $40.1M | $948.3M | ||
| Q1 25 | $40.3M | $609.0M | ||
| Q4 24 | $44.3M | $1.9B | ||
| Q3 24 | $45.8M | $1.7B | ||
| Q2 24 | $75.5M | $1.4B |
| Q1 26 | — | — | ||
| 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 26 | — | $4.3B | ||
| Q4 25 | $81.7M | $4.3B | ||
| Q3 25 | $81.6M | $3.8B | ||
| Q2 25 | $80.8M | $3.7B | ||
| Q1 25 | $80.6M | $3.6B | ||
| Q4 24 | $80.2M | $3.6B | ||
| Q3 24 | $81.7M | $3.7B | ||
| Q2 24 | $81.0M | $3.0B |
| Q1 26 | — | $30.6B | ||
| Q4 25 | $282.9M | $30.6B | ||
| Q3 25 | $283.8M | $25.5B | ||
| Q2 25 | $273.8M | $25.5B | ||
| Q1 25 | $271.6M | $25.0B | ||
| Q4 24 | $276.7M | $25.6B | ||
| Q3 24 | $280.6M | $25.5B | ||
| Q2 24 | $295.3M | $21.0B |
| Q1 26 | — | — | ||
| Q4 25 | 0.18× | — | ||
| Q3 25 | 0.18× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.12× | — | ||
| Q3 24 | 0.36× | — | ||
| Q2 24 | 0.37× | — |
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 | $797.0K | — |
| Free Cash FlowOCF − Capex | $794.0K | — |
| FCF MarginFCF / Revenue | 31.7% | — |
| Capex IntensityCapex / Revenue | 0.1% | — |
| Cash ConversionOCF / Net Profit | 1.75× | — |
| TTM Free Cash FlowTrailing 4 quarters | $3.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $797.0K | $104.1M | ||
| Q3 25 | $912.0K | $157.1M | ||
| Q2 25 | $1.2M | $123.9M | ||
| Q1 25 | $427.0K | $47.3M | ||
| Q4 24 | $636.0K | $88.7M | ||
| Q3 24 | $896.0K | $108.3M | ||
| Q2 24 | $1.4M | $54.3M |
| Q1 26 | — | — | ||
| Q4 25 | $794.0K | — | ||
| Q3 25 | $827.0K | — | ||
| Q2 25 | $1.1M | — | ||
| Q1 25 | $361.0K | — | ||
| Q4 24 | $581.0K | — | ||
| Q3 24 | $771.0K | — | ||
| Q2 24 | $1.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | 31.7% | — | ||
| Q3 25 | 33.8% | — | ||
| Q2 25 | 45.3% | — | ||
| Q1 25 | 15.3% | — | ||
| Q4 24 | 23.5% | — | ||
| Q3 24 | 30.5% | — | ||
| Q2 24 | 47.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | — | ||
| Q3 25 | 3.5% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 4.9% | — | ||
| Q2 24 | 9.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.75× | 1.05× | ||
| Q3 25 | 1.87× | 1.48× | ||
| Q2 25 | 2.21× | 1.24× | ||
| Q1 25 | 0.73× | — | ||
| Q4 24 | 1.02× | 1.46× | ||
| Q3 24 | 2.00× | — | ||
| Q2 24 | 2.64× | 2.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CLST
Segment breakdown not available.
EBC
| ALLL / total nonperforming loans ("NPLs") | $238.2M | 80% |
| Other | $51.6M | 17% |
| Return on average shareholders' equity | $6.1M | 2% |
