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Side-by-side financial comparison of Catalyst Bancorp, Inc. (CLST) and HomeTrust Bancshares, Inc. (HTB). Click either name above to swap in a different company.
HomeTrust Bancshares, Inc. is the larger business by last-quarter revenue ($44.2M vs $2.5M, roughly 17.6× Catalyst Bancorp, Inc.). On growth, HomeTrust Bancshares, Inc. posted the faster year-over-year revenue change (1.7% vs 1.4%). Catalyst Bancorp, Inc. produced more free cash flow last quarter ($794.0K vs $-3.2M). Over the past eight quarters, Catalyst Bancorp, Inc.'s revenue compounded faster (9.4% CAGR vs 3.6%).
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.
HomeTrust Bancshares Inc. is an Asheville, North Carolina–based bank holding company with $4.3 billion in assets and 33 branches in North and South Carolina, Georgia and Tennessee. It is the parent of seven community banks—HomeTrust Bank, Tryon Federal Bank, Shelby Savings Bank, Home Savings Bank, Industrial Federal Bank, Cherryville Federal Bank and Rutherford County Bank.
CLST vs HTB — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $2.5M | $44.2M |
| Net Profit | $456.0K | — |
| Gross Margin | — | — |
| Operating Margin | 22.0% | 44.9% |
| Net Margin | 18.2% | — |
| Revenue YoY | 1.4% | 1.7% |
| Net Profit YoY | -27.2% | — |
| EPS (diluted) | $0.13 | $0.93 |
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 | $2.5M | $44.2M | ||
| Q3 25 | $2.5M | $45.4M | ||
| Q2 25 | $2.5M | $44.2M | ||
| Q1 25 | $2.4M | $42.9M | ||
| Q4 24 | $2.5M | $43.5M | ||
| Q3 24 | $2.5M | $42.4M | ||
| Q2 24 | $2.4M | $42.4M | ||
| Q1 24 | $2.1M | $41.2M |
| Q4 25 | $456.0K | — | ||
| Q3 25 | $489.0K | $16.5M | ||
| Q2 25 | $521.0K | $17.2M | ||
| Q1 25 | $586.0K | $14.5M | ||
| Q4 24 | $626.0K | — | ||
| Q3 24 | $447.0K | $13.1M | ||
| Q2 24 | $527.0K | $12.4M | ||
| Q1 24 | $-4.7M | $15.1M |
| Q4 25 | 22.0% | 44.9% | ||
| Q3 25 | 24.4% | 46.0% | ||
| Q2 25 | 25.7% | 49.4% | ||
| Q1 25 | 30.4% | 43.0% | ||
| Q4 24 | 31.2% | 42.1% | ||
| Q3 24 | 21.9% | 39.7% | ||
| Q2 24 | 26.4% | 37.2% | ||
| Q1 24 | -284.6% | 46.1% |
| Q4 25 | 18.2% | — | ||
| Q3 25 | 20.0% | 36.3% | ||
| Q2 25 | 21.1% | 38.9% | ||
| Q1 25 | 24.8% | 33.9% | ||
| Q4 24 | 25.3% | — | ||
| Q3 24 | 17.7% | 31.0% | ||
| Q2 24 | 21.5% | 29.3% | ||
| Q1 24 | -224.0% | 36.5% |
| Q4 25 | $0.13 | $0.93 | ||
| Q3 25 | $0.13 | $0.95 | ||
| Q2 25 | $0.14 | $1.00 | ||
| Q1 25 | $0.16 | $0.84 | ||
| Q4 24 | $0.13 | $0.83 | ||
| Q3 24 | $0.11 | $0.76 | ||
| Q2 24 | $0.13 | $0.73 | ||
| Q1 24 | $-1.15 | $0.88 |
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 | $324.7M |
| Total DebtLower is stronger | $14.7M | — |
| Stockholders' EquityBook value | $81.7M | $600.7M |
| Total Assets | $282.9M | $4.5B |
| Debt / EquityLower = less leverage | 0.18× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $25.2M | $324.7M | ||
| Q3 25 | $37.3M | $315.8M | ||
| Q2 25 | $40.1M | $297.2M | ||
| Q1 25 | $40.3M | $299.8M | ||
| Q4 24 | $44.3M | $279.2M | ||
| Q3 24 | $45.8M | $293.5M | ||
| Q2 24 | $75.5M | $294.2M | ||
| Q1 24 | $76.0M | $380.5M |
| 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 | $81.7M | $600.7M | ||
| Q3 25 | $81.6M | $595.8M | ||
| Q2 25 | $80.8M | $579.3M | ||
| Q1 25 | $80.6M | $565.4M | ||
| Q4 24 | $80.2M | $551.8M | ||
| Q3 24 | $81.7M | $540.0M | ||
| Q2 24 | $81.0M | $523.6M | ||
| Q1 24 | $81.3M | $513.2M |
| Q4 25 | $282.9M | $4.5B | ||
| Q3 25 | $283.8M | $4.6B | ||
| Q2 25 | $273.8M | $4.6B | ||
| Q1 25 | $271.6M | $4.6B | ||
| Q4 24 | $276.7M | $4.6B | ||
| Q3 24 | $280.6M | $4.6B | ||
| Q2 24 | $295.3M | $4.7B | ||
| Q1 24 | $282.0M | $4.7B |
| 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 | $797.0K | $-2.1M |
| Free Cash FlowOCF − Capex | $794.0K | $-3.2M |
| FCF MarginFCF / Revenue | 31.7% | -7.1% |
| Capex IntensityCapex / Revenue | 0.1% | 2.4% |
| Cash ConversionOCF / Net Profit | 1.75× | — |
| TTM Free Cash FlowTrailing 4 quarters | $3.1M | $45.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $797.0K | $-2.1M | ||
| Q3 25 | $912.0K | $-11.3M | ||
| Q2 25 | $1.2M | $-8.8M | ||
| Q1 25 | $427.0K | $71.7M | ||
| Q4 24 | $636.0K | $4.8M | ||
| Q3 24 | $896.0K | $43.8M | ||
| Q2 24 | $1.4M | $5.9M | ||
| Q1 24 | $247.0K | $-9.0M |
| Q4 25 | $794.0K | $-3.2M | ||
| Q3 25 | $827.0K | $-12.0M | ||
| Q2 25 | $1.1M | $-10.2M | ||
| Q1 25 | $361.0K | $70.7M | ||
| Q4 24 | $581.0K | $3.2M | ||
| Q3 24 | $771.0K | $43.1M | ||
| Q2 24 | $1.2M | $5.7M | ||
| Q1 24 | $223.0K | $-9.6M |
| Q4 25 | 31.7% | -7.1% | ||
| Q3 25 | 33.8% | -26.5% | ||
| Q2 25 | 45.3% | -23.0% | ||
| Q1 25 | 15.3% | 164.7% | ||
| Q4 24 | 23.5% | 7.4% | ||
| Q3 24 | 30.5% | 101.7% | ||
| Q2 24 | 47.7% | 13.4% | ||
| Q1 24 | 10.7% | -23.3% |
| Q4 25 | 0.1% | 2.4% | ||
| Q3 25 | 3.5% | 1.7% | ||
| Q2 25 | 1.4% | 3.0% | ||
| Q1 25 | 2.8% | 2.4% | ||
| Q4 24 | 2.2% | 3.6% | ||
| Q3 24 | 4.9% | 1.6% | ||
| Q2 24 | 9.2% | 0.6% | ||
| Q1 24 | 1.1% | 1.4% |
| Q4 25 | 1.75× | — | ||
| Q3 25 | 1.87× | -0.68× | ||
| Q2 25 | 2.21× | -0.51× | ||
| Q1 25 | 0.73× | 4.93× | ||
| Q4 24 | 1.02× | — | ||
| Q3 24 | 2.00× | 3.34× | ||
| Q2 24 | 2.64× | 0.48× | ||
| Q1 24 | — | -0.60× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
