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CFSB Bancorp Inc (CFSB) Stock Fundamental Analysis

USA - NASDAQ:CFSB - US12530C1071 - Common Stock

14.25 USD
0 (0%)
Last: 10/31/2025, 8:00:01 PM
Fundamental Rating

1

Taking everything into account, CFSB scores 1 out of 10 in our fundamental rating. CFSB was compared to 390 industry peers in the Banks industry. CFSB may be in some trouble as it scores bad on both profitability and health. CFSB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CFSB had negative earnings in the past year.
In the past year CFSB had a positive cash flow from operations.
CFSB had positive earnings in 4 of the past 5 years.
Each year in the past 5 years CFSB had a positive operating cash flow.
CFSB Yearly Net Income VS EBIT VS OCF VS FCFCFSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 2025 0 500K 1M 1.5M 2M

1.2 Ratios

CFSB has a worse Return On Assets (-0.07%) than 90.51% of its industry peers.
Looking at the Return On Equity, with a value of -0.35%, CFSB is doing worse than 90.51% of the companies in the same industry.
Industry RankSector Rank
ROA -0.07%
ROE -0.35%
ROIC N/A
ROA(3y)0.12%
ROA(5y)0.18%
ROE(3y)0.53%
ROE(5y)1.01%
ROIC(3y)N/A
ROIC(5y)N/A
CFSB Yearly ROA, ROE, ROICCFSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 0 1 2 3

1.3 Margins

CFSB does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CFSB Yearly Profit, Operating, Gross MarginsCFSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 2025 0 5 10 15 20

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2

2. Health

2.1 Basic Checks

CFSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
CFSB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CFSB has been increased compared to 5 years ago.
Compared to 1 year ago, CFSB has an improved debt to assets ratio.
CFSB Yearly Shares OutstandingCFSB Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 2M 4M 6M
CFSB Yearly Total Debt VS Total AssetsCFSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.2 Solvency

CFSB has a debt to FCF ratio of 22.45. This is a negative value and a sign of low solvency as CFSB would need 22.45 years to pay back of all of its debts.
CFSB has a worse Debt to FCF ratio (22.45) than 82.82% of its industry peers.
CFSB has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.14, CFSB is doing good in the industry, outperforming 60.77% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 22.45
Altman-Z N/A
ROIC/WACCN/A
WACC12.58%
CFSB Yearly LT Debt VS Equity VS FCFCFSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 2025 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFSB Yearly Current Assets VS Current LiabilitesCFSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 5M 10M 15M

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0

3. Growth

3.1 Past

The earnings per share for CFSB have decreased strongly by -855.36% in the last year.
Looking at the last year, CFSB shows a small growth in Revenue. The Revenue has grown by 3.85% in the last year.
CFSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.62% yearly.
EPS 1Y (TTM)-855.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-163.39%
Revenue 1Y (TTM)3.85%
Revenue growth 3Y-4.89%
Revenue growth 5Y-1.62%
Sales Q2Q%16.23%

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.
CFSB Yearly Revenue VS EstimatesCFSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M

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0

4. Valuation

4.1 Price/Earnings Ratio

CFSB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CFSB Price Earnings VS Forward Price EarningsCFSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

CFSB's Price/Free Cash Flow ratio is rather expensive when compared to the industry. CFSB is more expensive than 83.08% of the companies in the same industry.
Industry RankSector Rank
P/FCF 202.47
EV/EBITDA N/A
CFSB Per share dataCFSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

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 (10/31/2025, 8:00:01 PM)

14.25

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)09-18 2025-09-18
Earnings (Next)11-13 2025-11-13
Inst Owners4.84%
Inst Owner Change-4.72%
Ins Owners3.46%
Ins Owner Change-3.54%
Market Cap93.34M
Revenue(TTM)7.66M
Net Income(TTM)-265000
AnalystsN/A
Price TargetN/A
Short Float %0.61%
Short Ratio2.6
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 12.19
P/FCF 202.47
P/OCF 200.73
P/B 1.23
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)-0.04
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.07
FCFY0.49%
OCF(TTM)0.07
OCFY0.5%
SpS1.17
BVpS11.56
TBVpS11.56
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.07%
ROE -0.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 6.02%
ROA(3y)0.12%
ROA(5y)0.18%
ROE(3y)0.53%
ROE(5y)1.01%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 22.45
Debt/EBITDA N/A
Cap/Depr 1.79%
Cap/Sales 0.05%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.58%
ROIC/WACCN/A
Cap/Depr(3y)53.6%
Cap/Depr(5y)48.07%
Cap/Sales(3y)1.44%
Cap/Sales(5y)1.68%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-855.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-163.39%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.85%
Revenue growth 3Y-4.89%
Revenue growth 5Y-1.62%
Sales Q2Q%16.23%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.44%
FCF growth 3Y-35.9%
FCF growth 5Y-22.13%
OCF growth 1Y15.1%
OCF growth 3Y-37.23%
OCF growth 5Y-27.17%

CFSB Bancorp Inc / CFSB FAQ

What is the fundamental rating for CFSB stock?

ChartMill assigns a fundamental rating of 1 / 10 to CFSB.


What is the valuation status of CFSB Bancorp Inc (CFSB) stock?

ChartMill assigns a valuation rating of 0 / 10 to CFSB Bancorp Inc (CFSB). This can be considered as Overvalued.


What is the profitability of CFSB stock?

CFSB Bancorp Inc (CFSB) has a profitability rating of 2 / 10.