CFSB - NASDAQ

CFSB Bancorp, Inc.

CFSB·NASDAQ

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$93.32M

EPS-0.0400

P/E Ratio-324.47

Earnings Date09/18/2025

366.61M

Assets

3Y-

5Y+10.0%

10Y+10.0%

290.87M

Total Liabilities

3Y-

5Y+2.0%

10Y+2.0%

75.73M

Total Equity

3Y+2.0%

5Y+60.0%

10Y+60.0%

CFSB Bancorp, Inc. Funding & Solvency Profile

CFSB · NASDAQ

Current Assets

Cash & Cash Equivalents1.69M

Net Receivables1.45M

Inventory0.00

Other Current Assets0.00

Total Current Assets26 M

Non-Current Assets

Property, Plant & Equipment3.79M

Goodwill & Intangible Assets0.00

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets4 M

Total Assets

366.61M

Financial Health Analysis

Debt-to-Equity Ratio

3.84x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

26 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

7% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

CFSB Bancorp, Inc. Balance Sheet

CFSB • NASDAQ

CFSB Bancorp, Inc. Balance Sheet	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	1.7M	27M	6.9M	31.7M	41.7M	38.3M
Short-Term Investments	23M	0.0	146K	199K	2.3M	403K
Cash & Short-Term Investments	24.7M	27M	7M	31.9M	44M	38.7M
Net Receivables	1.5M	1.4M	1.4M	1.3M	1.1M	1.1M
Accounts Receivables	1.5M	1.4M	1.4M	1.3M	1.1M	1.1M
Total Current Assets	26.1M	28.4M	8.4M	33.1M	45.1M	39.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	3.8M	4.1M	4.4M	3.3M	3.5M	3.5M
Long-Term Investments	0.0	317.4M	323.8M	317.8M	279.5M	278.9M
Tax Assets	1.3M	1.2M	1.1M	1.1M	665K	732K
Other Non-Current Assets	0.0	12.2M	11.4M	10.8M	10.1M	9.9M
Total Non-Current Assets	5.1M	335M	340.6M	333.1M	293.8M	293.1M
Other Assets	335.4M	0.0	0.0	0.0	0.0	0.0
Total Assets	366.6M	363.4M	349M	366.2M	338.9M	333M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	3.5M	3.3M	3M	2.9M
Short Term Debt	0.0	10.4M	3.7M	0.0	918K	427K
Other Current Liabilities	0.0	272.4M	265M	288.6M	286.2M	279.1M
Total Current Liabilities	0.0	282.7M	272.2M	291.9M	290.2M	282.4M
NON-CURRENT LIABILITIES
Long Term Debt	0.0	0.0	0.0	0.0	0.0	3.3M
Other Non-Current Liabilities	0.0	3.8M	0.0	0.0	0.0	0.0
Total Non-Current Liabilities	0.0	4.7M	962K	0.0	0.0	3.3M
Capital Lease Obligations	0.0	877K	962K	0.0	0.0	0.0
Total Liabilities	290.9M	287.4M	273.1M	291.9M	290.2M	285.7M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	-78K	0.0	0.0	0.0	0.0
Common Stock	65K	65K	65K	65K	0.0	0.0
Additional Paid-In Capital	0.0	28.1M	27.8M	27.7M	0.0	0.0
Retained Earnings	50M	50.2M	50.4M	49M	48.6M	47.2M
Accumulated Other Comprehensive Income/Loss	1K	-1K	-3K	0.0	17K	10K
Other Total Stockholders' Equity	25.7M	-2.3M	-2.4M	-2.5M	0.0	0.0
Total Stockholders' Equity	75.7M	76.1M	75.9M	74.3M	48.6M	47.2M
Total Equity	75.7M	76.1M	75.9M	74.3M	48.6M	47.2M
SUMMARY
Total Liabilities & Equity	366.6M	363.4M	349M	366.2M	338.9M	333M
Total Investments	23M	317.4M	324M	318M	281.8M	279.3M
Total Debt	0.0	11.2M	4.6M	0.0	918K	3.7M
Net Debt	-1.7M	-15.7M	-2.2M	-31.7M	-40.7M	-34.6M
Shares Outstanding	6,548,575	6,548,575	6,548,575	6,548,575	6,548,575	6,548,575

SEC Filings

CFSB - Filing history and reports

No SEC filings available for CFSB

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