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CFSB BANCORP INC (CFSB) Stock Fundamental Analysis

NASDAQ:CFSB - Nasdaq - US12530C1071 - Common Stock - Currency: USD

7.65  -0.31 (-3.89%)

After market: 7.59 -0.06 (-0.78%)

Fundamental Rating

1

Taking everything into account, CFSB scores 1 out of 10 in our fundamental rating. CFSB was compared to 402 industry peers in the Banks industry. Both the profitability and financial health of CFSB have multiple concerns. CFSB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CFSB had negative earnings in the past year.
CFSB had a positive operating cash flow in the past year.
In the past 5 years CFSB has always been profitable.
In the past 5 years CFSB always reported a positive cash flow from operatings.
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 500K 1M 1.5M 2M

1.2 Ratios

CFSB's Return On Assets of -0.01% is on the low side compared to the rest of the industry. CFSB is outperformed by 90.84% of its industry peers.
CFSB has a worse Return On Equity (-0.06%) than 90.84% of its industry peers.
Industry RankSector Rank
ROA -0.01%
ROE -0.06%
ROIC N/A
ROA(3y)0.18%
ROA(5y)0.29%
ROE(3y)0.85%
ROE(5y)1.81%
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 1 2 3

1.3 Margins

CFSB's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for CFSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-70.4%
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 5 10 15 20

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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.
CFSB Yearly Shares OutstandingCFSB Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 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 100M 200M 300M

2.2 Solvency

CFSB has a debt to FCF ratio of 17.75. This is a negative value and a sign of low solvency as CFSB would need 17.75 years to pay back of all of its debts.
CFSB has a Debt to FCF ratio of 17.75. This is in the lower half of the industry: CFSB underperforms 77.72% 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.
CFSB's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. CFSB outperforms 64.60% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 17.75
Altman-Z N/A
ROIC/WACCN/A
WACC14.96%
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 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 5M 10M 15M

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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 -111.71%.
Measured over the past years, CFSB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -70.67% on average per year.
The Revenue for CFSB has decreased by -10.82% in the past year. This is quite bad
Measured over the past years, CFSB shows a decrease in Revenue. The Revenue has been decreasing by -2.90% on average per year.
EPS 1Y (TTM)-111.71%
EPS 3Y-70.67%
EPS 5YN/A
EPS Q2Q%22.75%
Revenue 1Y (TTM)-10.82%
Revenue growth 3Y-2.9%
Revenue growth 5YN/A
Sales Q2Q%2.37%

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

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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 81.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 85.95
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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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 (3/7/2025, 8:12:34 PM)

After market: 7.59 -0.06 (-0.78%)

7.65

-0.31 (-3.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2022-10-21/amc
Earnings (Next)N/A N/A
Inst Owners1.49%
Inst Owner Change-16.87%
Ins Owners3.34%
Ins Owner Change0%
Market Cap50.11M
AnalystsN/A
Price TargetN/A
Short Float %0.27%
Short Ratio1.34
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.44
Dividend Growth(5Y)28.69%
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 6.9
P/FCF 85.95
P/OCF 78.91
P/B 0.66
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)-0.01
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.09
FCFY1.16%
OCF(TTM)0.1
OCFY1.27%
SpS1.11
BVpS11.55
TBVpS11.55
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.01%
ROE -0.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 8.03%
ROA(3y)0.18%
ROA(5y)0.29%
ROE(3y)0.85%
ROE(5y)1.81%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-70.4%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 17.75
Debt/EBITDA N/A
Cap/Depr 21.76%
Cap/Sales 0.72%
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-Score3
WACC14.96%
ROIC/WACCN/A
Cap/Depr(3y)69.67%
Cap/Depr(5y)68.34%
Cap/Sales(3y)1.91%
Cap/Sales(5y)3.25%
Profit Quality(3y)508.94%
Profit Quality(5y)350.13%
High Growth Momentum
Growth
EPS 1Y (TTM)-111.71%
EPS 3Y-70.67%
EPS 5YN/A
EPS Q2Q%22.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.82%
Revenue growth 3Y-2.9%
Revenue growth 5YN/A
Sales Q2Q%2.37%
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 1Y-77.83%
FCF growth 3Y-43.12%
FCF growth 5YN/A
OCF growth 1Y-77.4%
OCF growth 3Y-41.52%
OCF growth 5YN/A