CFSB Bancorp, Inc. (CFSB) | Investment Case

1. Company Snapshot

1.a. 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.

Show Full description

1.b. Last Insights on CFSB

CFSB Bancorp, Inc.'s recent performance was driven by a definitive merger agreement with Hometown Financial Group, Inc., announced on May 20, 2025. This strategic partnership is expected to bring significant benefits, including expanded market reach and increased resources. Additionally, the company's recent financial results, although impacted by a net loss in the prior quarter, showed a net income of $4,000 in the most recent quarter, indicating a return to profitability. The merger agreement is expected to provide a boost to the company's financials and position it for future growth.

1.c. Company Highlights

Last Price	14.25
Change Percentage	0.00%
Open	14.25
Previous Close	14.25
Market Cap ( Millions)	93
Volume	12367
Year High	14.25
Year Low	6.41
M A 50	14.13
M A 200	11.3

FCF Yield	0.67%
Dividend Yield	0.00%
ROE	-0.01%
Debt / Equity	14.74%
Net Debt / EBIDTA	-9041.80%
Price To Book	1.17
Price Earnings Ratio	-22234.72
Price To FCF	148.83
Price To sales	6.82
EV / EBITDA	403.32

2. Transcript Summary

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3. NewsRoom

Contrasting CFSB Bancorp (NASDAQ:CFSB) and First Commonwealth Financial (NYSE:FCF)

Nov -29

Source: defenseworld.net

$HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of CFSB Bancorp, Inc. – CFSB

May -21

Source: globenewswire.com

Hometown Financial Group, Inc. to Acquire CFSB Bancorp, Inc.

May -20

Source: prnewswire.com

CFSB BANCORP, INC. ANNOUNCES FISCAL THIRD QUARTER AND YEAR-TO-DATE 2025 FINANCIAL RESULTS

Apr -29

Source: prnewswire.com

CFSB BANCORP, INC. ANNOUNCES FISCAL SECOND QUARTER AND YEAR-TO-DATE 2025 FINANCIAL RESULTS

Jan -29

Source: prnewswire.com

CFSB BANCORP, INC. ANNOUNCES FISCAL FOURTH QUARTER AND FULL YEAR 2024 FINANCIAL RESULTS

Jul -30

Source: prnewswire.com

CFSB Bancorp Third Quarter 2024 Earnings: US$0.006 loss per share (vs US$0.056 profit in 3Q 2023)

May -02

Source:

CFSB BANCORP, INC. ANNOUNCES FISCAL THIRD QUARTER AND YEAR-TO-DATE 2024 FINANCIAL RESULTS

Apr -29

Source:

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.50%)

6. Segments

Banking and Related Activities

Expected Growth: 5.5%

CFSB Bancorp's growth is driven by increasing demand for digital banking services, expansion of credit card offerings, and strategic investments in technology to enhance customer experience.

7. Detailed Products

Commercial Banking

CFSB Bancorp, Inc. offers a range of commercial banking services, including cash management, treasury management, and commercial lending to businesses of all sizes.

Consumer Banking

The company provides consumer banking services, including checking and savings accounts, credit cards, personal loans, and mortgages to individuals.

Wealth Management

CFSB Bancorp, Inc. offers wealth management services, including investment management, trust services, and financial planning to individuals and businesses.

Mortgage Banking

The company provides mortgage banking services, including residential and commercial mortgage lending, to individuals and businesses.

Treasury Management

CFSB Bancorp, Inc. offers treasury management services, including cash management, wire transfers, and account reconciliation, to businesses.

8. CFSB Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for CFSB Bancorp, Inc. is medium due to the presence of alternative financial institutions and digital payment platforms.

Bargaining Power Of Customers

The bargaining power of customers for CFSB Bancorp, Inc. is low due to the lack of concentration of buyers and the availability of multiple banking options.

Bargaining Power Of Suppliers

The bargaining power of suppliers for CFSB Bancorp, Inc. is medium due to the presence of multiple suppliers of technology and services, but the company's dependence on a few key suppliers.

Threat Of New Entrants

The threat of new entrants for CFSB Bancorp, Inc. is low due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.

Intensity Of Rivalry

The intensity of rivalry for CFSB Bancorp, Inc. is high due to the presence of multiple competitors in the banking industry, including large national banks and regional banks.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

	Value
Debt Weight	5.76%
Debt Cost	4.57%
Equity Weight	94.24%
Equity Cost	4.57%
WACC	4.57%
Leverage	6.11%

11. Quality Control: CFSB Bancorp, Inc. passed 3 out of 9 key points

Strong Liquidity

Low Debt

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Rhinebeck Bancorp

A-Score: 4.7/10

Value: 7.5

Growth: 1.7

Quality: 3.5

Yield: 0.0

Momentum: 8.5

Volatility: 7.0

1-Year Total Return ->

John Marshall Bancorp

A-Score: 4.7/10

Value: 5.7

Growth: 4.7

Quality: 6.1

Yield: 2.0

Momentum: 4.0

Volatility: 5.7

1-Year Total Return ->

Blue Ridge Bankshares

A-Score: 4.1/10

Value: 2.6

Growth: 1.4

Quality: 4.2

Yield: 2.0

Momentum: 9.0

Volatility: 5.3

1-Year Total Return ->

CFSB Bancorp

A-Score: 3.8/10

Value: 3.4

Growth: 1.9

Quality: 5.3

Yield: 0.0

Momentum: 10.0

Volatility: 2.0

1-Year Total Return ->

Patriot National Bancorp

A-Score: 3.0/10

Value: 8.2

Growth: 1.3

Quality: 2.8

Yield: 0.0

Momentum: 5.5

Volatility: 0.3

1-Year Total Return ->

Columbia Financial

A-Score: 3.0/10

Value: 1.8

Growth: 3.7

Quality: 4.1

Yield: 0.0

Momentum: 1.5

Volatility: 6.7

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

43.75%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

4.57%

CFSB Bancorp, Inc. - US12530C1071

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on CFSB

1.c. Company Highlights

Weak Momentum

Lower Yield

Fairly Valued

More Volatile

Expensive

Lower Growth

Lower Quality

Average Growth

Stable Momentum

Strong Momentum

2. Transcript Summary

3. NewsRoom

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.50%)

6. Segments

Banking and Related Activities

Expected Growth: 5.5%

7. Detailed Products

Commercial Banking

Consumer Banking

Wealth Management

Mortgage Banking

Treasury Management

8. CFSB Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

11. Quality Control: CFSB Bancorp, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

14.25$

Current Price

14.25$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA