CFSB Bancorp, Inc.

CFSB Bancorp, Inc.

CFSBยทNASDAQ

$14.25

+0.0000%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$93.32M
EPS-0.0400
P/E Ratio-324.47
Earnings Date09/18/2025
CFSB Bancorp, Inc.

CFSB Bancorp, Inc. Fair Value Envelope

CFSB ยท NASDAQ

Our analysis suggests that CFSB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $14.25, this represents a potential HIDDEN relative to our calculated worth for CFSB Bancorp, Inc..

Intrinsic Value
Current Price: $14.25

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$404.1K
+ Cash & Equivalents$1.7M
Firm Value$1.3M
- Debt$0
Equity Value$1.3M
/ Shares Outstanding6,548,575B
DCF Value$0
OVERVALUED BY 99%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$234.5K
-$117.3K
-$58.6K
-$29.3K
-$14.7K
-$7.3K
-$3.7K
-$1.8K
-$916
-$458
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
-$234.5K
-$117.3K
-$58.6K
-$29.3K
-$14.7K
-$7.3K
-$3.7K
-$1.8K
-$916
-$458
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$217.1K
-$100.5K
-$46.5K
-$21.5K
-$10.0K
-$4.6K
-$2.1K
-$990
-$458
-$212
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.