CFSB Bancorp, Inc (CFSB) AI Stock Analysis

• Market Cap: $89.52M
• Dividend Yield: N/A
• Average Volume (3M): 21.00K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.35
• Revenue Growth: 13.69%
• EPS Growth: 77.14%
• Country: US
• Employees: 27
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): <0.01
• Shares Outstanding: 6,548,575
• 10 Day Avg. Volume: 20,135
• 30 Day Avg. Volume: 21,005
• PEG Ratio: -136.66
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 87.99
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: ―

CFSB Bancorp, Inc. maintains a strong balance sheet and positive cash flow generation, which are key strengths. However, significant challenges in profitability and operational efficiency, as well as poor valuation metrics, weigh on the overall score. The technical indicators provide a moderately positive outlook, but the negative P/E ratio and lack of dividends are notable concerns.

CFSB Bancorp, Inc Business Overview & Revenue Model

Company Description

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. 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.

How the Company Makes Money

CFSB Bancorp, Inc. generates revenue primarily through the interest income earned from its loan portfolio, which includes residential and commercial real estate loans, construction loans, and consumer loans. Additionally, the company earns income from fees associated with its deposit accounts and various banking services. CFSB also benefits from investment income by managing its securities portfolio. The bank's financial performance is influenced by factors such as interest rate fluctuations, the creditworthiness of borrowers, and the overall economic environment. Strategic partnerships with financial service providers and efforts to expand its customer base further contribute to its revenue streams.

CFSB Bancorp, Inc Financial Statement Overview

Summary

CFSB Bancorp, Inc. exhibits a stable financial position with strong balance sheet metrics and positive cash flow generation, yet faces challenges in profitability and operational efficiency. The company should focus on addressing operational inefficiencies to improve profitability and return on equity while sustaining its strong balance sheet.

Income Statement

The income statement shows mixed results. The gross profit margin is healthy at 88.3% for TTM but the company reported a net loss, resulting in a net profit margin of -0.4%. The revenue growth from the previous year is a positive sign, but the negative EBIT margin of 48.2% and EBITDA margin of -0.2% are concerning indicators of operational inefficiencies.

Balance Sheet

The balance sheet is strong with no total debt, resulting in a debt-to-equity ratio of 0. The equity ratio is solid at 20.9%, indicating a healthy capital structure. However, the return on equity is negative at -0.1% due to the net loss, which needs improvement.

Cash Flow

Cash flow metrics show a stable cash position with positive free cash flow growth of 75.7% over the past year. The operating cash flow to net income ratio is strong at 13.2, reflecting good cash generation ability, but the free cash flow to net income ratio is negative due to the net loss.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
10.15M	7.50M	9.42M	8.90M	8.05M	8.30M
	Gross Profit
10.20M	7.50M	9.42M	8.90M	8.05M	8.30M
	EBIT
2.64M	0.00	1.75M	1.41M	1.64M	2.00M
	EBITDA
-23.00K	0.00	1.98M	0.00	1.91M	2.64M
	Net Income Common Stockholders
-48.00K	33.00K	1.45M	442.00K	1.39M	1.72M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
28.83M	26.96M	7.01M	31.87M	43.95M	38.75M
	Total Assets
362.76M	363.44M	349.01M	366.18M	338.85M	332.97M
	Total Debt
11.18M	11.23M	4.64M	0.00	918.00K	3.72M
	Net Debt
-17.65M	-15.73M	-2.22M	-31.67M	-40.74M	-34.62M
	Total Liabilities
287.09M	287.39M	273.12M	291.93M	918.00K	285.72M
	Stockholders Equity
75.67M	76.05M	75.89M	74.25M	48.65M	47.25M
Cash Flow		Free Cash Flow
585.00K	333.00K	1.74M	1.75M	1.80M	1.61M
	Operating Cash Flow
635.00K	404.00K	2.05M	1.88M	2.02M	2.27M
	Investing Cash Flow
9.27M	5.70M	-6.88M	-36.29M	-3.03M	-3.03M
	Financing Cash Flow
3.20M	13.99M	-19.98M	25.39M	4.33M	22.34M

CFSB Bancorp, Inc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.67
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFSB, the sentiment is Positive. The current price of 13.67 is above the 20-day moving average (MA) of 11.36, above the 50-day MA of 9.23, and above the 200-day MA of 7.58, indicating a bullish trend. The MACD of 1.51 indicates Negative momentum. The RSI at 89.78 is Negative, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFSB.

CFSB Bancorp, Inc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	82 Outperform	$51.00M	3.42	15.30%	―	43.98%	37.57%
Sector *	64 Neutral	$12.85B	9.81	7.59%	16985.65%	12.30%	-7.71%
BAFN	63 Neutral	$63.63M	6.90	10.87%	2.09%	8.22%	112.31%
CFSB	60 Neutral	$89.52M	―	>-0.01%	―	13.69%	77.14%
CLST	57 Neutral	$49.54M	21.51	2.70%	―	152.27%	―
TCBS	48 Neutral	$48.45M	23.78	3.88%	1.00%	19.16%	―

CFSB Bancorp, Inc Corporate Events

CFSB Bancorp, Inc. Holds Annual Meeting and Initiates Stock Buyback

CFSB Bancorp, Inc. held its Annual Meeting, affirming the election of directors and appointing Wolf & Company, P.C. as its accounting firm for the fiscal year. Despite facing challenges from rising interest rates and yield curve inversion, the company remains optimistic about future rate reductions. CFSB has initiated its first stock repurchase program since its reorganization, aiming to buy back up to 152,287 shares, about 5% of its stock, to strengthen shareholder value.