CFSB Bancorp, Inc (CFSB) AI Stock Analysis

• Market Cap: $90.30M
• Dividend Yield: N/A
• Average Volume (3M): 10.75K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.36
• Revenue Growth: 13.69%
• EPS Growth: 77.14%
• Country: US
• Employees: 27
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): <0.01
• Shares Outstanding: 6,548,575
• 10 Day Avg. Volume: 6,042
• 30 Day Avg. Volume: 10,749
• PEG Ratio: -221.83
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 143.09
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 1.38
• Enterprise Value/Gross Profit: 9.70
• Enterprise Value/Ebitda: 128.32
• 1Y Price Target: $14.50
• Price Target Upside: 5.07% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 54 Neutral
• Price Target: $14.00 ▲(1.45%Upside)

The overall score is primarily influenced by financial performance and technical analysis. CFSB Bancorp shows positive cash flow and a strong balance sheet but suffers from profitability challenges and an extremely high P/E ratio, which raises valuation concerns. Technical indicators suggest strong momentum but caution due to overbought conditions. The lack of earnings call and corporate events data limits further evaluation.

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 through interest income from loans and mortgages, as well as from fees and service charges related to its various banking products. The company earns interest income by providing loans to individuals and businesses and holding mortgages, where it charges interest over the loan term. Additionally, CFSB earns non-interest income through service fees, such as account maintenance fees, transaction fees, and fees for specialized financial services. Its revenue model is also supported by prudent management of its investment portfolio and strategic partnerships with financial service providers to enhance its product offerings and customer reach.

CFSB Bancorp, Inc Financial Statement Overview

Summary

CFSB Bancorp faces challenges in maintaining profitability amidst revenue growth. The balance sheet remains robust, with low leverage and strong equity positioning. Cash flow generation is positive, but profitability concerns due to negative net income impact overall financial health. The company should focus on improving operational efficiency and restoring profit margins.

Income Statement

CFSB Bancorp has experienced inconsistent revenue growth, with a TTM revenue growth of 9.8% from the previous fiscal year. However, profitability metrics such as the gross profit margin and net profit margin have deteriorated, with a negative net profit margin of -0.03% and a significant drop in EBIT margin, now at -0.31%. These declining margins indicate challenges in maintaining profitability despite revenue growth.

Balance Sheet

The balance sheet shows a strong equity position with a debt-to-equity ratio of 0.15, indicating low financial leverage. The equity ratio stands at 20.68%, reflecting a stable capital structure. However, the return on equity has turned negative at -0.01% due to the negative net income, which could be a concern for future profitability.

Cash Flow

CFSB Bancorp's cash flow from operations is positive, supporting its financial activities. The free cash flow has shown growth, with a significant increase in the TTM period. However, the operating cash flow to net income ratio is distorted due to the negative net income, which may indicate potential issues in cash generation relative to reported profitability.

Breakdown	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	13.68M	12.46M	11.34M	9.92M	10.13M	11.02M
Gross Profit	7.48M	7.69M	9.42M	8.87M	7.99M	8.25M
EBITDA	189.00K	232.00K	1.98M	645.00K	1.91M	2.64M
Net Income	-4.00K	33.00K	1.45M	442.00K	1.39M	1.72M
Balance Sheet
Total Assets	366.20M	363.44M	349.01M	366.18M	338.85M	332.97M
Cash, Cash Equivalents and Short-Term Investments	28.25M	26.96M	7.01M	31.87M	43.95M	38.75M
Total Debt	11.16M	11.23M	4.64M	0.00	918.00K	3.72M
Total Liabilities	290.49M	287.39M	273.12M	291.93M	290.21M	285.72M
Stockholders Equity	75.72M	76.05M	75.89M	74.25M	48.65M	47.25M
Cash Flow
Free Cash Flow	627.00K	333.00K	1.74M	1.75M	1.80M	1.61M
Operating Cash Flow	669.00K	404.00K	2.05M	1.88M	2.02M	2.27M
Investing Cash Flow	-1.75M	5.70M	-6.88M	-36.29M	-3.03M	-3.03M
Financing Cash Flow	7.66M	13.99M	-19.98M	25.39M	4.33M	22.34M

CFSB Bancorp, Inc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Negative

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 13.8 is above the 20-day moving average (MA) of 13.71, above the 50-day MA of 11.62, and above the 200-day MA of 8.29, indicating a bullish trend. The MACD of 0.49 indicates Positive momentum. The RSI at 88.64 is Negative, neither overbought nor oversold. The STOCH value of 90.21 is Negative, 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	81 Outperform	$53.77M	3.44	15.30%	―	43.98%	37.57%
BAFN	71 Outperform	$60.90M	6.60	10.87%	2.13%	8.22%	111.97%
Sector *	63 Neutral	AU$9.98B	8.28	11.67%	5.11%	32.88%	39.55%
CLST	57 Neutral	$52.84M	22.74	2.70%	―	152.27%	―
CFSB	54 Neutral	$90.30M	―	>-0.01%	―	13.69%	77.14%
FSEA		$53.16M	―	-0.80%	―	―	―
TCBS	60 Neutral	$51.27M	25.16	3.88%	0.95%	19.16%	―

CFSB Bancorp, Inc Corporate Events

CFSB Bancorp Announces Merger with Hometown Financial

On May 20, 2025, CFSB Bancorp, Inc. announced a merger agreement with Hometown Financial Group, MHC, and its subsidiaries, which will result in CFSB Bancorp merging into Hometown, with Hometown as the surviving entity. The merger, expected to conclude in the fourth quarter of 2025, includes a cash payout of $14.25 per share for CFSB Bancorp shareholders and involves several steps, including the merger of Colonial Federal Savings Bank into North Shore Bank. The agreement has been unanimously approved by the boards of both companies and includes customary conditions and termination rights, with a termination fee of $1.55 million if CFSB Bancorp accepts a superior proposal.