CFSB Bancorp, Inc. (CFSB) Stock

About CFSB Bancorp, Inc.

CFSB Bancorp, Inc. functions as the parent company for Colonial Federal Savings Bank, delivering a range of financial products and services to both individual clients and small enterprises. Its deposit offerings encompass non-interest and interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also extends various lending options, including residential real estate loans for one to four families, multi-family and commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. Furthermore, it allocates capital to a diverse portfolio of investment-grade securities and highly liquid assets, such as U.S. treasury obligations, government-sponsored enterprise securities, corporate bonds, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal bonds, mutual funds, and certificates of deposit from federally insured institutions. Established in 1889 and headquartered in Quincy, Massachusetts, the company conducts its operations through three full-service banking offices and one limited-service branch situated within Norfolk County, Massachusetts. CFSB Bancorp, Inc. is a subsidiary of 15 Beach, MHC.

CFSB Bancorp, Inc. is headquartered in US.

CFSB Bancorp, Inc. (CFSB) stock trades at $14.25 with a market capitalization of $93.32M. The stock is valued at a negative price-to-earnings (P/E) ratio of -913.46, reflecting a net loss over the last twelve months, price-to-book of 1.18, price-to-sales of 13.58. Over the past 52 weeks the stock has ranged between $6.41 and $14.25, and currently trades at or near its 52-week high.

On profitability, CFSB Bancorp, Inc. generates a return on equity (ROE) of -0.13% (negative, reflecting a net loss), return on capital employed of -0.24%, an operating margin of -2.84%, a net profit margin of -1.41%.

Official website: colonialfed.com

CFSB Bancorp, Inc. by the numbers, 2020–2025

Between 2020 and 2025 CFSB Bancorp, Inc. reported revenue of $11.0M rising to $14.0M, a change of +27.3% across 6 years. Compounded, revenue has grown 4.9% a year over five years, 11.9% over three, 16.7% over the last twelve months. Net profit fell to $0.

Operating margin went from 18.2% in 2020 to -2.1% in 2025, a fall of 20.3 percentage points. The most recent net margin is -1.41%. On a trailing twelve-month basis to Jun '25, revenue is $12.0M and net profit $0.

Borrowings rose from $4.0M to $11.0M, cash on hand is $24.8M, cash from operations was $0 in the latest year, positive in 4 of the last 6.

Return on equity has averaged 0.7% over five years, and was 0.0% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

CFSB Bancorp, Inc. (CFSB) — frequently asked questions