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CFSB Bancorp Inc (CFSB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CFSB - US12530C1071 - Common Stock

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

1

We assign a fundamental rating of 1 out of 10 to CFSB. CFSB was compared to 387 industry peers in the Banks industry. CFSB has a bad profitability rating. Also its financial health evaluation is rather negative. 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

In the past year CFSB has reported negative net income.
In the past year CFSB had a positive cash flow from operations.
Of the past 5 years CFSB 4 years were profitable.
CFSB had a positive operating cash flow in each of the past 5 years.
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

With a Return On Assets value of -0.07%, CFSB is not doing good in the industry: 90.51% of the companies in the same industry are doing better.
The Return On Equity of CFSB (-0.35%) is worse than 90.51% of its industry peers.
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.
Compared to 1 year ago, CFSB has less shares outstanding
CFSB has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CFSB has been reduced compared to a year ago.
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

The Debt to FCF ratio of CFSB is 22.45, which is on the high side as it means it would take CFSB, 22.45 years of fcf income to pay off all of its debts.
CFSB has a Debt to FCF ratio of 22.45. This is amonst the worse of the industry: CFSB underperforms 82.31% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that CFSB is not too dependend on debt financing.
CFSB has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 22.45
Altman-Z N/A
ROIC/WACCN/A
WACC12.56%
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.
The Revenue has been growing slightly by 3.85% in the past year.
Measured over the past years, CFSB shows a decrease in Revenue. The Revenue has been decreasing by -1.62% on average per year.
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

82.56% of the companies in the same industry are cheaper than CFSB, based on the Price/Free Cash Flow ratio.
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 Change25.27%
Ins Owners3.46%
Ins Owner Change-3.54%
Market Cap93.34M
Revenue(TTM)7.66M
Net Income(TTM)-265.00K
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
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
WACC12.56%
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.