Financial Snapshot

Revenue
$9.030M
TTM
Gross Margin
Net Earnings
-$96.00K
TTM
Current Assets
Current Liabilities
$15.19M
Q3 2024
Current Ratio
Total Assets
$364.5M
Q3 2024
Total Liabilities
$288.5M
Q3 2024
Book Value
$76.04M
Q3 2024
Cash
Q3 2024
P/E
-461.5
Nov 29, 2024 EST
Free Cash Flow
$261.0K
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2021 2020 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Revenue $11.67M $10.68M $9.224M $9.482M
YoY Change 9.3% 15.76% -2.72%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2021 2020 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Revenue $11.67M $10.68M $9.224M $9.482M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2021 2020 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $238.0K $240.0K $255.0K $710.0K $640.0K $980.0K $1.520M $1.980M $2.400M $3.520M $3.340M $3.210M $1.330M $900.0K $360.0K -$280.0K
YoY Change -0.83% -5.88% -64.08% 10.94% -35.53% -23.23% -17.5% -31.82% 5.39% 4.05% 141.35% 47.78% 150.0% -228.57%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Interest Expense $1.926M $1.020M $2.076M
YoY Change 88.82% -50.87%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2021 2020 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Pretax Income -$6.000K $1.747M $390.0K $1.640M $2.000M $17.65M $15.65M $7.880M $9.730M $7.740M $9.640M $8.380M $5.770M $4.600M -$3.810M $2.820M
YoY Change -100.34% 347.95% -76.22% -18.0% 12.78% 98.6% -19.01% 25.71% -19.71% 15.04% 45.23% 25.43% -220.73% -235.11% -38.16%
Income Tax -$39.00K $301.0K -$52.00K $250.0K $280.0K $5.810M $4.980M $2.440M $2.930M $2.150M $2.950M $3.090M $2.150M $1.560M -$650.0K $810.0K
% Of Pretax Income 17.23% -13.33% 15.24% 14.0% 32.92% 31.82% 30.96% 30.11% 27.78% 30.6% 36.87% 37.26% 33.91% 28.72%
Net Earnings $33.00K $1.446M $442.0K $1.390M $1.720M $11.84M $10.67M $5.450M $6.800M $5.590M $6.260M $5.290M $3.620M $3.040M -$3.160M $2.010M
YoY Change -97.72% 227.15% -68.2% -19.19% 10.97% 95.78% -19.85% 21.65% -10.7% 18.34% 46.13% 19.08% -196.2% -257.21% -20.87%
Net Earnings / Revenue 0.28% 13.54% 4.79% 14.66%
Basic Earnings Per Share $0.01 $0.23 $0.08
Diluted Earnings Per Share $0.01 $0.23 $0.08 $213.2K $263.8K $1.253M $1.106M $546.1K $675.3K $552.4K $608.4K $519.6K $416.6K $401.6K -$417.4K $265.5K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2021 2020 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $4.106M $4.366M $3.334M $3.500M $3.500M $10.30M $10.50M $11.00M $11.20M $12.00M $10.40M $9.800M $9.000M $8.300M $6.000M $6.500M
YoY Change -5.96% 30.95% -4.74% 0.0% -1.9% -4.55% -1.79% -6.67% 15.38% 6.12% 8.89% 8.43% 38.33% -7.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $1.245M $1.079M $1.079M $700.0K $700.0K $0.00 $300.0K $300.0K $1.400M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 15.38% 0.0% 54.14% 0.0% -100.0% 0.0% -78.57%
Total Long-Term Assets
YoY Change
Total Assets $363.4M $349.0M $366.2M $338.9M $333.0M $880.3M $852.9M $829.8M $761.4M $727.2M $669.9M $633.9M $673.0M $644.2M $502.1M $578.2M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $4.673M $4.471M $3.303M $3.100M $2.900M $2.800M $3.000M $4.200M $3.500M $2.800M $2.400M $2.400M $3.600M $3.900M $3.500M $2.500M
YoY Change 4.52% 35.36% 6.55% 6.9% -6.67% -28.57% 20.0% 25.0% 16.67% 0.0% -33.33% -7.69% 11.43% 40.0%
Deferred Revenue
YoY Change
Short-Term Debt $10.35M $3.675M $0.00 $900.0K $400.0K
YoY Change 181.63% -100.0% 125.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $15.02M $8.146M $3.303M $3.100M $2.900M $3.700M $3.600M $4.200M $3.500M $2.800M $2.400M $2.400M $3.600M $3.900M $3.500M $2.500M
YoY Change 84.42% 146.62% 6.55% 6.9% 2.78% -14.29% 20.0% 25.0% 16.67% 0.0% -33.33% -7.69% 11.43% 40.0%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $3.300M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0%
Other Long-Term Liabilities $1.525M $1.596M $1.555M $1.600M $1.600M $7.100M $6.600M $6.900M $6.700M $6.800M $8.600M $8.400M $8.400M $6.300M $2.500M $69.00M
YoY Change -4.45% 2.64% -2.81% 0.0% 7.58% -4.35% 2.99% -1.47% -20.93% 2.38% 0.0% 33.33% 152.0% -96.38%
Total Long-Term Liabilities $1.525M $1.596M $1.555M $1.600M $4.900M $7.100M $6.600M $6.900M $6.700M $6.800M $8.600M $8.400M $8.400M $6.300M $2.500M $69.00M
YoY Change -4.45% 2.64% -2.81% -67.35% 7.58% -4.35% 2.99% -1.47% -20.93% 2.38% 0.0% 33.33% 152.0% -96.38%
Total Liabilities $287.4M $273.1M $291.9M $290.2M $285.7M $811.1M $785.4M $767.3M $698.7M $671.6M $615.1M $584.6M $628.4M $606.9M $483.9M $557.0M
YoY Change 5.23% -6.44% 0.6% 1.58% 3.27% 2.36% 9.82% 4.04% 9.19% 5.22% -6.97% 3.54% 25.42% -13.12%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2024 2023 2022 2021 2020 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988
Basic Shares Outstanding 6.292M 6.276M 5.887M
Diluted Shares Outstanding 6.292M 6.276M 5.887M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $44.306 Million

About CFSB Bancorp, Inc. /MA/

CFSB Bancorp, Inc. is the holding company for Colonial Federal Savings Bank, which engages in the provision of financial services to individuals and small businesses. The company is headquartered in Lansing, Michigan and currently employs 27 full-time employees. The company went IPO on 2022-01-13. Colonial Federal Savings Bank (the Bank) is a federally chartered stock savings bank that has served the banking needs of its customers on the south shore of Massachusetts. The Bank provides a variety of financial services to individuals and small businesses through its offices in Quincy, Holbrook, and Weymouth. Its primary deposit products are savings, checking and term certificate accounts, and its primary lending products are one- to four-family residential mortgages, multifamily real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit and consumer loans. The company operates from three full-service offices and one limited-service office in Quincy, Holbrook and Weymouth, Massachusetts.

Industry: Savings Institution, Federally Chartered Peers: First Seacoast Bancorp IF Bancorp, Inc. Kentucky First Federal Bancorp NSTS Bancorp, Inc. Rocket Companies, Inc. Texas Community Bancshares, Inc.