XNASCFSB
Market cap45mUSD
Jan 07, Last price
6.81USD
1D
0.00%
1Q
0.15%
IPO
-35.08%
Name
CFSB Bancorp Inc
Chart & Performance
P/E
1,368.74
P/S
6.02
EPS
0.00
Div Yield, %
0.00%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
7m
-20.38%
Net income
33k
-97.72%
CFO
404k
-80.32%
Dividend
Feb 07, 20050.1 USD/sh
Profile
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.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2024‑06 | 2023‑06 | 2022‑06 | 2021‑06 | 2020‑06 | |
| Income | |||||
Revenues | 7,497 -20.38% | 9,416 5.81% | 8,899 10.56% | ||
Cost of revenue | 6,354 | 6,297 | 5,696 | ||
Unusual Expense (Income) | |||||
NOPBT | 1,143 | 3,119 | 3,203 | ||
NOPBT Margin | 15.25% | 33.12% | 35.99% | ||
Operating Taxes | (39) | 301 | (52) | ||
Tax Rate | 9.65% | ||||
NOPAT | 1,182 | 2,818 | 3,255 | ||
Net income | 33 -97.72% | 1,446 227.15% | 442 -68.25% | ||
Dividends | |||||
Dividend yield | |||||
Proceeds from repurchase of equity | (78) | 23,926 | |||
BB yield | 0.19% | -44.13% | |||
| Debt | |||||
Debt current | 3,675 | ||||
Long-term debt | 1,754 | 1,924 | |||
Deferred revenue | |||||
Other long-term liabilities | 282,716 | 268,481 | 211,925 | ||
Net debt | (25,205) | (149,456) | (177,304) | ||
| Cash flow | |||||
Cash from operating activities | 404 | 2,053 | 1,884 | ||
CAPEX | (71) | (314) | (130) | ||
Cash from investing activities | 5,703 | (6,876) | (36,287) | ||
Cash from financing activities | 13,991 | (19,983) | 25,392 | ||
FCF | 44 | (45,091) | 52,321 | ||
| Balance | |||||
Cash | 26,959 | 7,007 | 31,866 | ||
Long term investments | 148,048 | 145,438 | |||
Excess cash | 26,584 | 154,584 | 176,859 | ||
Stockholders' equity | 47,989 | 48,075 | 46,530 | ||
Invested Capital | 336,855 | 304,607 | 239,645 | ||
ROIC | 0.37% | 1.04% | 1.23% | ||
ROCE | 0.31% | 0.88% | 1.12% | ||
| EV | |||||
Common stock shares outstanding | 6,292 | 6,276 | 5,887 | ||
Price | 6.57 -17.77% | 7.99 -13.25% | 9.21 | ||
Market cap | 41,335 -17.57% | 50,144 -7.51% | 54,219 | ||
EV | 16,130 | (99,312) | (123,085) | ||
EBITDA | 1,381 | 3,354 | 3,458 | ||
EV/EBITDA | 11.68 | ||||
Interest | 4,966 | 1,926 | 1,020 | ||
Interest/NOPBT | 434.47% | 61.75% | 31.85% | ||