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Home CompaniesCFSB Bancorp Inc

CFSB Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
None USD 0.00(0%)
Last update at 2025-12-04T20:08:16.810157Z
Market Cap
45.43M

Momentum Score

…

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 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. is a subsidiary of 15 Beach, MHC.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

52 Week Price Range
5.85
Low
8.03
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
-
Dividend Yield
-
Revenue TTM
7.93M
Revenue Per Share
1.26
Gross Profit TTM
8.87M
Debt / Equity
0.06
ROE
-0.03%
Net Debt
-2.22M
ROCE
0.44%
Diluted EPS TTM
-

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Income before tax 1.75M 0.39M 1.64M 2.00M
Net income 1.45M 0.44M 1.39M 1.72M
Selling general administrative 6.11M 5.56M 5.07M 5.03M
Selling and marketing expenses 0.18M 0.14M 0.10M 0.10M
Gross profit 9.42M 8.90M 8.05M 8.30M
Reconciled depreciation 0.23M 0.26M 0.71M 0.64M
Ebit 1.51M 1.41M 1.64M 2.00M
Ebitda 1.75M 1.67M 2.35M 2.64M
Depreciation and amortization 0.23M 0.26M 0.71M 0.64M
Operating income 1.75M 1.41M 1.64M 2.00M
Other operating expenses 7.67M 1.51M 6.41M 6.30M
Interest expense 1.93M 1.02M 2.08M 2.71M
Tax provision 0.30M -0.05M 0.25M 0.28M
Interest income 10.68M 9.22M 9.48M 10.37M
Net interest income 8.75M 8.20M 7.41M 7.66M
Income tax expense 0.30M -0.05M 0.25M 0.28M
Total revenue 9.42M 8.90M 8.05M 8.30M
Total operating expenses -7.67M 1.51M -6.41M -6.30M
Total other income expense net - -1.02M -2.08M -2.71M
Net income from continuing ops 1.45M 0.44M 1.39M 1.72M
Net income applicable to common shares - 0.44M 1.39M 1.72M
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 349.01M 366.18M 338.85M 332.97M
Other current assets - 1.26M 36.30M 31.86M
Total liab 273.12M 291.93M 0.92M 285.72M
Total stockholder equity 75.89M 74.25M 48.65M 47.25M
Other current liab -3.67M - -0.92M -0.43M
Common stock 0.07M 0.07M - -
Capital stock 0.07M 0.07M - -
Retained earnings 50.42M 48.97M 48.63M 47.24M
Other liab - 1.55M 1.57M 1.61M
Other assets 188.22M 184.28M 182.89M 197.12M
Cash 6.86M 31.67M 41.66M 38.34M
Total current liabilities 3.67M 290.38M 0.92M 0.43M
Net debt -2.22M -31.67M -40.74M -34.62M
Short term debt 3.67M - 0.92M 0.43M
Short long term debt 3.67M 0.00M 0.92M 0.43M
Short long term debt total 4.64M - 0.92M 3.72M
Other stockholder equity 27.81M 27.72M 0.02M 0.01M
Property plant equipment - 3.33M 3.46M 3.52M
Total current assets 8.37M 33.13M 45.10M 39.87M
Long term investments 148.05M 145.44M 107.41M 92.47M
Net tangible assets - 74.25M 48.65M 47.25M
Short term investments 0.15M 0.20M 2.29M 0.40M
Net receivables 1.36M 1.26M 1.15M 1.12M
Long term debt - - - 3.29M
Accounts payable - 287.07M 284.63M 277.47M
Accumulated other comprehensive income -2.41M -2.50M 0.02M 0.01M
Non currrent assets other -152.41M -1.08M -110.87M -95.98M
Non current assets total 152.41M 148.77M 110.87M 95.98M
Capital lease obligations 0.96M - - -
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Investments -6.88M -37.60M -15.37M 5.26M
Change to liabilities 0.00M 0.00M 0.00M 0.00M
Total cashflows from investing activities -6.88M -36.29M -3.03M -3.03M
Net borrowings 3.67M -0.92M -2.80M -4.00M
Total cash from financing activities -19.98M 25.39M 4.33M 22.34M
Change to operating activities -0.26M -0.19M -0.19M -0.04M
Net income 1.45M 0.44M 1.39M 1.72M
Change in cash -24.81M -9.01M 3.31M 21.57M
Begin period cash flow 31.67M 40.68M 37.36M 15.79M
End period cash flow 6.86M 31.67M 40.68M 37.36M
Total cash from operating activities 2.05M 1.88M 2.02M 2.27M
Issuance of capital stock 0.00M 26.48M - -
Depreciation 0.23M 0.26M 0.71M 0.64M
Other cashflows from investing activities -0.19M -0.37M 0.21M 0.21M
Change to account receivables -0.10M -0.12M -0.03M -0.07M
Sale purchase of stock 0.00M - - -
Other cashflows from financing activities -19.98M 2.38M 7.62M 26.77M
Change to netincome 0.73M 1.50M 0.12M 0.01M
Capital expenditures 0.31M 0.13M 0.21M 0.66M
Change in working capital -0.01M -0.05M -0.21M -0.11M
Stock based compensation 0.20M 0.05M - -
Other non cash items 0.18M 1.59M 0.06M 0.05M
Free cash flow 1.74M 1.75M 1.80M 1.61M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83

Profile*

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 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. is a subsidiary of 15 Beach, MHC.

15 Beach Street, Quincy, MA, United States, 02170

617 471 0750

https://colonialfed.com

29

Name Title Year Born
Mr. Michael E. McFarland Pres, CEO & Director 1954
Ms. Susan Shea Treasurer & COO 1958
Mr. Stephen D. Marini Independent Director & Corp. Sec. 1946
Mr. Kemal A. Denizkurt VP of Financial Markets 1966
Mr. Michael E. McFarland President, CEO & Director 1954
Ms. Tracy L. Wilson Corporate Secretary & Independent Director 1970

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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