CFSB - CFSB Bancorp, Inc. Stock Price, Fair Value and News

6.76USD+0.07 (+1.05%)Market Closed

Market Summary

USD6.76+0.07

Market Closed

1.05%

CFSB Stock Price

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CFSB RSI Chart

CFSB Valuation

Market Cap

44.4M

Price/Earnings (Trailing)

-2.0K

Price/Sales (Trailing)

3.95

EV/EBITDA

3.12

Price/Free Cashflow

71.57

CFSB Price/Sales (Trailing)

CFSB Profitability

EBT Margin

0.57%

Return on Equity

-0.03%

Return on Assets

-0.01%

Free Cashflow Yield

1.4%

CFSB Fundamentals

CFSB Revenue

Revenue (TTM)

11.2M

Rev. Growth (Yr)

11.74%

Rev. Growth (Qtr)

7.24%

CFSB Earnings

Earnings (TTM)

-22.0K

Earnings Growth (Yr)

-111.27%

Earnings Growth (Qtr)

80.95%

Breaking Down CFSB Revenue

52 Week Range

6.76

(Low)(High)

Last 7 days

2.6%

Last 30 days

-5.9%

Last 90 days

-4.5%

How does CFSB drawdown profile look like?

CFSB Financial Health

CFSB Investor Care

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	11.2M	0	0	0
2023	10.4M	10.7M	10.8M	10.9M
2022	9.1M	9.2M	9.6M	10.0M
2021	0	9.5M	9.3M	9.1M
2020	0	0	0	0

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of CFSB Bancorp, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 18, 2024	baharian paul n	bought	7,562	7.562	1,000	-
Mar 22, 2023	denizkurt kemal	acquired	-	-	6,000	vp-financial markets
Mar 22, 2023	kuropatkin mary	acquired	-	-	6,000	vp-retail banking
Mar 22, 2023	mcfarland michael e	acquired	-	-	24,000	president and ceo
Mar 22, 2023	shea susan	acquired	-	-	18,000	treasurer and coo
Mar 22, 2023	esselystyn william r	acquired	-	-	6,000	vp-information systems
Mar 22, 2023	blanchard angela	acquired	-	-	6,000	vp-retail lending
Feb 22, 2023	o'leary james m jr	acquired	-	-	6,000	-
Feb 22, 2023	marini stephen d	acquired	-	-	6,000	-
Feb 22, 2023	wilson tracy l	acquired	-	-	6,000	-

Which funds bought or sold CFSB recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 08, 2024	Stilwell Value LLC	unchanged	-	7,484	72,000	0.04%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	added	5.56	22,000	138,000	-%
Apr 24, 2024	Polaris Capital Management, LLC	unchanged	-	7,484	72,000	-%
Feb 15, 2024	Colony Group, LLC	new	-	97,000	97,000	-%
Feb 14, 2024	Royal Bank of Canada	added	127	1,000	1,000	-%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	new	-	258	258	-%
Feb 13, 2024	GEODE CAPITAL MANAGEMENT, LLC	new	-	106,520	106,520	-%
Feb 13, 2024	BlackRock Inc.	reduced	-0.35	-3,400	38,271	-%
Feb 13, 2024	Tower Research Capital LLC (TRC)	added	4.89	-218	6,362	-%

Are Funds Buying or Selling CFSB?

Are funds buying CFSB calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CFSB

No. of Funds

Recent SEC filings of CFSB Bancorp, Inc.

View All Filings

Date Filed	Form Type	Document
May 10, 2024	10-Q	Quarterly Report
Apr 29, 2024	8-K	Current Report
Apr 05, 2024	8-K	Current Report
Mar 19, 2024	4	Insider Trading
Feb 07, 2024	10-Q	Quarterly Report

Peers (Alternatives to CFSB Bancorp, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	567.2B	174.7B	0.18%	44.71%	11.26	3.25	53.11%	19.83%
BAC	299.4B	137.9B	1.46%	40.12%	11.96	2.17	56.12%	-12.56%
WFC	213.6B	85.8B	6.46%	60.14%	11.38	2.49	35.02%	26.14%
C	120.8B	125.0B	2.71%	36.58%	15.11	0.97	37.85%	-
CFG	16.4B	10.4B	2.97%	41.85%	11.45	1.57	26.22%	-33.87%
KEY	14.2B	8.1B	-2.96%	61.70%	16.27	1.75	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	-2.04%	52.25%	10.18	1.67	34.68%	-45.96%
ZION	6.5B	4.1B	1.86%	86.61%	10.4	1.6	32.93%	-30.73%
ABCB	3.5B	1.3B	4.92%	71.30%	12.23	2.63	30.60%	-12.99%
ASB	3.4B	2.0B	4.24%	49.43%	20.97	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	404.2M	152.4M	-2.01%	50.33%	40.66	2.65	16.94%	-73.84%
AROW	403.8M	173.1M	3.34%	19.72%	13.84	2.33	26.54%	-34.86%
ACNB	281.6M	98.7M	-6.05%	16.29%	9.57	2.85	6.27%	-22.90%
ASRV	44.6M	60.9M	12.07%	-9.72%	-13.32	0.73	24.06%	-144.92%

CFSB Bancorp, Inc. News

Latest updates

CFSB Bancorp, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)															(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Revenue	7.2%	3,007	2,804	2,732	2,701	2,691	2,681	2,605	2,398	2,297	2,268	2,261	2,264	2,323	2,444	2,451
EBITDA Margin	-14.5%	0.65*	0.76*	0.89*	1.01*	1.10*	1.00*	0.99*	0.96*	0.91*	1.07*	1.03*	0.98*	-	-	-
Interest Expenses	0%	1,639	1,639	1,806	1,893	2,155	2,341	2,363	2,159	2,051	2,011	1,983	1,961	1,868	1,816	1,761
Income Taxes	-362.5%	-42.00	16.00	93.00	19.00	47.00	65.00	170	12.00	-196	32.00	100	135	67.00	-11.00	55.00
Earnings Before Taxes	57.7%	-82.00	-194	216	124	402	406	815	576	-1,024	266	572	531	468	204	435
EBT Margin	-88.6%	0.01*	0.05*	0.11*	0.16*	0.21*	0.08*	0.07*	0.04*	0.04*	0.20*	0.19*	0.17*	-	-	-
Net Income	81.0%	-40.00	-210	123	105	355	341	645	564	-828	234	472	397	401	215	378
Net Income Margin	-105.7%	0.00*	0.03*	0.09*	0.14*	0.18*	0.07*	0.06*	0.05*	0.03*	0.16*	0.16*	0.15*	-	-	-
Free Cashflow	128.8%	150	-521	436	555	348	146	690	671	1,119	-437	401	572	743	-68.00	555

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet												(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2
Assets	-0.3%	358	359	346	349	352	357	361	366	363	362	337	339
Cash Equivalents	37.8%	22.00	16.00	6.00	7.00	5.00	11.00	16.00	32.00	37.00	48.00	38.00	41.00
Net PPE	-1.5%	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Liabilities	-0.4%	282	283	270	273	276	282	286	292	289	312	288	290
Short Term Borrowings	-	-	-	3.00	4.00	-	-	-	-	0.00	0.00	0.00	1.00
Shareholder's Equity	0.1%	76.00	76.00	76.00	76.00	76.00	75.00	75.00	74.00	74.00	49.00	49.00	49.00
Retained Earnings	-0.1%	50.00	50.00	50.00	50.00	50.00	50.00	50.00	49.00	48.00	49.00	49.00	49.00
Additional Paid-In Capital	0.3%	28.00	28.00	28.00	28.00	28.00	28.00	28.00	28.00	28.00	-	-	-
Shares Outstanding	0%	7.00	7.00	7.00	7.00	7.00	6.00	6.00	7.00	6.00	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)															(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3
Cashflow From Operations	132.0%	160	-500	436	616	540	167	730	757	1,157	-437	407	724	742	-64.00	613
Cashflow From Investing	329.4%	6,950	-3,029	1,919	3,828	-202	-806	-9,696	-9,311	-11,787	-14,710	-479	-13,398	1,933	7,874	565
Cashflow From Financing	-108.9%	-1,170	13,135	-3,098	-2,925	-5,570	-4,528	-6,960	2,956	62.00	25,273	-2,899	-302	2,537	2,179	-89.00

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CFSB Income Statement

2023-12-31

Consolidated Statements of Net Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Interest and dividend income:
Interest and fees on loans	$ 1,758	$ 1,657	$ 3,480	$ 3,276
Interest and dividends on debt securities:
Taxable	904	795	1,772	1,546
Tax exempt	93	106	190	214
Interest on short-term investments and certificates of deposit	49	123	94	250
Total interest and dividend income	2,804	2,681	5,536	5,286
Interest expense:
Deposits	1,051	340	1,927	582
Borrowings	114	0	164
Total interest expense	1,165	340	2,091	582
Net interest income	1,639	2,341	3,445	4,704
Provision for (reversal of) credit losses	(104)	0	(270)	0
Net interest income after provision for (reversal of) credit losses	1,743	2,341	3,715	4,704
Non-interest income:
Customer service fees	37	36	77	73
Income on bank-owned life insurance	68	63	134	127
Other income	67	53	121	152
Total non-interest income	172	152	332	352
Non-interest expenses:
Salaries and employee benefits	1,267	1,250	2,411	2,268
Occupancy and equipment	240	255	494	498
Advertising	36	71	74	110
Data processing	101	84	190	178
Deposit insurance	33	22	66	43
Other general and administrative	432	405	790	738
Total non-interest expenses	2,109	2,087	4,025	3,835
Income before income taxes	(194)	406	22	1,221
Provision for income taxes	16	65	109	235
Net income	$ (210)	$ 341	$ (87)	$ 986
Net income per share:
Earnings Per Share, Basic	$ (0.03)	$ 0.05	$ (0.01)	$ 0.16
Earnings Per Share, Diluted	$ (0.03)	$ 0.05	$ (0.01)	$ 0.16
Weighted average shares outstanding:
Weighted average shares: basic	6,284,768	6,274,542	6,283,485	6,273,260
Weighted average shares: diluted	6,284,768	6,274,542	6,283,485	6,273,260

CFSB Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Jun. 30, 2023
Assets
Cash and due from banks	$ 1,299,000	$ 1,486,000
Short-term investments	14,425,000	5,375,000
Total cash and cash equivalents	15,724,000	6,861,000
Securities available for sale, at fair value	132,000	146,000
Securities held to maturity, at amortized cost, net of allowance for credit loss, fair value of $136,427 at December 31, 2023 and $132,273 at June 30, 2023	149,117,000	147,902,000
Federal Home Loan Bank stock, at cost	950,000	381,000
Loans, net of allowance for credit losses of $1,641 at December 31, 2023 and $1,747 at June 30, 2023	174,974,000	175,911,000
Premises and equipment, net	3,317,000	3,413,000
Accrued interest receivable	1,467,000	1,363,000
Bank-owned life insurance	10,536,000	10,402,000
Deferred tax asset	1,074,000	1,079,000
Operating lease right of use asset	907,000	953,000
Other assets	827,000	596,000
Total Assets	359,025,000	349,007,000
Deposits
Non-interest bearing	29,612,000	32,760,000
Interest-bearing	228,328,000	230,616,000
Total deposits	257,940,000	263,376,000
Federal Home Loan Bank of Boston advances	19,100,000	3,675,000
Mortgagors' escrow accounts	1,644,000	1,596,000
Operating lease liability	920,000	962,000
Accrued expenses and other liabilities	3,626,000	3,509,000
Total liabilities	283,230,000	273,118,000
Stockholders' Equity
Preferred Stock, $.01 par value, 10,000,000 shares authorized as of December 30, 2023 and June 30, 2023, none outstanding	0	0
Common Stock, $.01 par value, 90,000,000 shares authorized as of December 31, 2023 and June 30, 2023, 6,632,642 issued and outstanding as of December 31, 2023 and June 30, 2023	65,000	65,000
Additional paid-in capital	27,976,000	27,814,000
Retained earnings	50,106,000	50,416,000
Accumulated other comprehensive loss	(1,000)	(3,000)
Unearned compensation - ESOP, 235,196 and 240,310 shares unallocated at December 31, 2023 and June 30, 2023, respectively	(2,351,000)	(2,403,000)
Total stockholders' equity	75,795,000	75,889,000
Total liabilities and stockholders' equity	$ 359,025,000	$ 349,007,000

About CFSB Bancorp, Inc.

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.

CEO	Mr. Michael E. McFarland
WEBSITE	https://colonialfed.com
INDUSTRY	Banks Diversified

CFSB Bancorp, Inc. Frequently Asked Questions

What is the ticker symbol for CFSB Bancorp, Inc.? What does CFSB stand for in stocks?

CFSB is the stock ticker symbol of CFSB Bancorp, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of CFSB Bancorp, Inc. (CFSB)?

As of Thu May 09 2024, market cap of CFSB Bancorp, Inc. is 44.37 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CFSB stock?

You can check CFSB's fair value in chart for subscribers.

What is the fair value of CFSB stock?

You can check CFSB's fair value in chart for subscribers. The fair value of CFSB Bancorp, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of CFSB Bancorp, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CFSB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is CFSB Bancorp, Inc. a good stock to buy?

The fair value guage provides a quick view whether CFSB is over valued or under valued. Whether CFSB Bancorp, Inc. is cheap or expensive depends on the assumptions which impact CFSB Bancorp, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CFSB.

What is CFSB Bancorp, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 09 2024, CFSB's PE ratio (Price to Earnings) is 118.96 and Price to Sales (PS) ratio is 4.06. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CFSB PE ratio will change depending on the future growth rate expectations of investors.