CFSB BANCORP INC (CFSB)

US12530C1071 - Common Stock

6.585  -0.04 (-0.68%)

Fundamental Rating

1

Taking everything into account, CFSB scores 1 out of 10 in our fundamental rating. CFSB was compared to 412 industry peers in the Banks industry. CFSB has a bad profitability rating. Also its financial health evaluation is rather negative. CFSB does not seem to be growing, but still is valued expensively.



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1

1. Profitability

1.1 Basic Checks

CFSB had positive earnings in the past year.
CFSB had a positive operating cash flow in the past year.

1.2 Ratios

With a Return On Assets value of 0.11%, CFSB is not doing good in the industry: 92.96% of the companies in the same industry are doing better.
The Return On Equity of CFSB (0.50%) is worse than 93.45% of its industry peers.
Industry RankSector Rank
ROA 0.11%
ROE 0.5%
ROIC N/A
ROA(3y)0.32%
ROA(5y)N/A
ROE(3y)1.79%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 4.67%, CFSB is not doing good in the industry: 93.20% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CFSB has declined.
The Operating Margin and Gross Margin are not available for CFSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 4.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.37%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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2. Health

2.1 Basic Checks

CFSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CFSB has more shares outstanding
The debt/assets ratio for CFSB is higher compared to a year ago.

2.2 Solvency

CFSB has a debt to FCF ratio of 23.32. This is a negative value and a sign of low solvency as CFSB would need 23.32 years to pay back of all of its debts.
CFSB's Debt to FCF ratio of 23.32 is on the low side compared to the rest of the industry. CFSB is outperformed by 84.95% of its industry peers.
CFSB has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
CFSB has a Debt to Equity ratio (0.25) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 23.32
Altman-Z N/A
ROIC/WACCN/A
WACC12.36%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3. Growth

3.1 Past

CFSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.41%.
CFSB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.00% yearly.
The Revenue for CFSB has decreased by -14.66% in the past year. This is quite bad
The Revenue has been growing slightly by 4.23% on average over the past years.
EPS 1Y (TTM)-33.41%
EPS 3Y-4%
EPS 5YN/A
EPS growth Q2Q-166.82%
Revenue 1Y (TTM)-14.66%
Revenue growth 3Y4.23%
Revenue growth 5YN/A
Revenue growth Q2Q-27.27%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 94.07, which means the current valuation is very expensive for CFSB.
CFSB's Price/Earnings ratio is rather expensive when compared to the industry. CFSB is more expensive than 93.45% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.28, CFSB is valued quite expensively.
Industry RankSector Rank
PE 94.07
Fwd PE N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFSB indicates a rather expensive valuation: CFSB more expensive than 86.41% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 53.31
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CFSB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CFSB BANCORP INC

NASDAQ:CFSB (5/3/2024, 7:00:00 PM)

6.585

-0.04 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap43.66M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 94.07
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.11%
ROE 0.5%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 4.67%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-33.41%
EPS 3Y-4%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-14.66%
Revenue growth 3Y4.23%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y