CFSB Bancorp, Inc. /MA/

CFSB

CFSB Bancorp, Inc. /MA/

CFSB

Insider Sentiment (TTM):

Last Purchase:2024-03-18Last Sale:-Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2025-09-30Institutional Shares Owned:380,760Shares Outstanding:6,267,146Institutional Ownership Pct.:6.08%

Earnings Market Reaction:

Filing Date:N/APrice on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30
Cash And Due From Banks	2	1	2	1	1	1	1	1	1	2	2	1
Interest Bearing Deposits In Banks	23	27	27	30	26	20	14	5	5	4	9	14
Cash And Cash Equivalents At Carrying Value	25	28	29	31	27	22	16	6	7	5	11	16
Available For Sale Securities Debt Securities	0	0	0	0	0	0	0	0	0	0	0	0
Held To Maturity Securities	-	-	-	-	-	-	149	148	148	151	149	152
Debt Securities Held To Maturity Amortized Cost Af…	146	146	148	147	147	146	-	-	148	-	-	-
Assets
Assets	367	366	363	364	363	358	359	346	349	352	357	361
Federal Home Loan Bank Stock	1	1	1	1	1	1	1	0	0	0	0	0
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	171	175	174	176	177	179	175
Property Plant And Equipment Net	3	3	3	3	3	3	3	3	3	3	3	3
Interest Receivable	1	1	1	1	1	1	1	1	1	1	1	1
Bank Owned Life Insurance	11	11	11	11	11	11	11	10	10	10	10	10
Deferred Income Tax Assets Net	1	1	1	1	1	1	1	1	1	1	1	1
Operating Lease Right Of Use Asset	1	1	1	1	1	1	1	1	1	1	1	1
Other Assets	1	1	1	1	1	1	1	1	1	1	1	0
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities	33	29	28	31	34	31	30	31	33	30	33	34
Deposits
Deposits	274	274	270	272	271	266	258	261	263	270	275	280
Interest Bearing Deposit Liabilities	241	244	242	240	237	235	228	230	231	240	243	246
Short Term Borrowings	-	-	-	-	-	-	-	3	4	-	-	-
Federal Home Loan Bank Advances Long Term	10	10	10	10	10	10	19	-	4	-	-	-
Operating Lease Liability Noncurrent	1	1	1	1	1	1	1	1	1	1	1	1
Accrued Liabilities And Other Liabilities	4	4	4	4	4	4	4	4	4	3	3	3
Liabilities	291	290	287	288	287	282	283	270	273	276	282	286
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	28	28	28	28	28	28	28	28	28	28	28	28
Stockholders Equity
Stockholders Equity	76	76	76	76	76	76	76	76	76	76	75	75
Treasury Stock Value	-1	-1	-1	-0	-0	-	-	-	0	-	-	-
Retained Earnings Accumulated Deficit	50	50	50	50	50	50	50	50	50	50	50	50
Accumulated Other Comprehensive Income Loss Net Of…	0	0	0	0	-0	-0	-0	-0	-0	-0	-0	-0
Liabilities And Stockholders Equity	367	366	363	364	363	358	359	346	349	352	357	361
Held To Maturity Securities Fair Value	136	135	135	138	133	133	136	129	132	137	133	134
Financing Receivable Allowance For Credit Losses	2	2	1	2	2	2	2	2	2	2	2	2
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	1	1	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	1	1	0.01
Preferred Stock Shares Issued	-	-	-	-	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	-	-	-	-	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	90	90	90	90	90	90	90	90	90	90	90	90
Common Stock Shares Issued	7	7	7	7	7	7	7	7	7	7	7	7
Shares Outstanding	7	7	7	7	7	7	7	7	7	7	7	7
Treasury Stock Common Shares	0	0	0	0	0	-	-	-	-	-	-	-
Employee Stock Ownership Plan E S O P Number Of Su…	0	0	0	0	0	0	0	0	0	0	0	-

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Performance and Valuation Metrics

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Metrics	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30
Leverage & Debt
Interest Coverage TTM	-1.04	-1.01	-0.59	-0.16	0.36	1.01	1.16	1.44	1.91	2.62	1.72	1.64
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	5,645.60	5,904.25	5,900.21	5,956.36	6,151.37	6,427.09	6,606.41
Receivables Turnover TTM	-	-	-	-	-	0.06	0.06	0.06	0.06	0.06	0.06	0.06
Per Share Metrics
Diluted EPS TTM	-0.04	-0.00	-0.01	-0.02	0.01	-0.00	0.06	0.15	0.23	0.30	0.12	0.10
Free Cash Flow Per Share TTM	0.07	0.10	0.09	0.04	0.05	0.10	0.13	0.24	0.28	0.29	0.42	0.33
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	53.30%	52.09%	52.25%	53.81%	57.45%	62.05%	68.57%	75.84%	81.96%	86.92%	89.31%	89.72%
Operating Profit Margin TTM	-2.24%	-0.33%	-1.00%	-1.72%	-0.05%	0.57%	5.01%	10.62%	16.36%	21.20%	7.74%	6.62%
Net Profit Margin TTM	-2.02%	-0.03%	-0.38%	-0.79%	0.28%	-0.20%	3.41%	8.55%	13.54%	18.36%	7.23%	6.43%
Growth Metrics
Net Revenue Growth (1Y)	12.18%	14.51%	15.46%	12.52%	9.30%	8.38%	9.49%	12.93%	15.76%	-	-	-
Net Income Growth (1Y)	-903.03%	-81.82%	-112.87%	-110.39%	-97.72%	-101.15%	-48.34%	50.24%	227.15%	-	-	-
EPS Growth (1Y)	-906.15%	-81.67%	-112.90%	-110.37%	-97.72%	-101.16%	-48.42%	50.00%	206.88%	-	-	-
Calculated Values
Free Cash Flow TTM	461.00K	627.00K	583.00K	261.00K	333.00K	620.00K	818.00K	1.49M	1.74M	1.86M	2.63M	2.04M
Net Debt	-24.67M	-28.25M	-28.83M	-30.67M	-26.96M	-21.66M	-15.72M	-2.87M	-3.19M	-5.34M	-10.57M	-15.74M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-03-18Purchase

Owner: Baharian, Paul N

Title: -

Shares: 1,000

Price/Share: $7.56

Value: $7,560.00

Shares Owned: 19,000

Relationship: Director

Ownership: Indirect

2022-10-25Purchase

Owner: Baharian, Paul N

Title: -

Shares: 1,000

Price/Share: $8.93

Value: $8,930.00

Shares Owned: 18,000

Relationship: Director

Ownership: Indirect

2022-05-18Purchase

Owner: Baharian, Paul N

Title: -

Shares: 257

Price/Share: $9.68

Value: $2,487.76

Shares Owned: 17,000

Relationship: Director

Ownership: Indirect

2022-05-12Purchase

Owner: Baharian, Paul N

Title: -

Shares: 1,743

Price/Share: $9.20

Value: $16,035.60

Shares Owned: 11,743

Relationship: Director

Ownership: Indirect

2022-01-14Purchase

Owner: Baharian, Paul N

Title: -

Shares: 5,000

Price/Share: $10.28

Value: $51,400.00

Shares Owned: 15,000

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-03-18	Baharian, Paul N	Director	-	Indirect	Purchase	1,000	7.56	$7,560.00	19,000	4
2022-10-25	Baharian, Paul N	Director	-	Indirect	Purchase	1,000	8.93	$8,930.00	18,000	4
2022-05-18	Baharian, Paul N	Director	-	Indirect	Purchase	257	9.68	$2,487.76	17,000	4/A
2022-05-12	Baharian, Paul N	Director	-	Indirect	Purchase	1,743	9.20	$16,035.60	11,743	4
2022-01-14	Baharian, Paul N	Director	-	Direct	Purchase	5,000	10.28	$51,400.00	15,000	4
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Institutional Ownership

No data available for chart

2025-09-30

6.08%

Inst. Shares: 380,760

Shares Outstanding: 6,267,146

2025-06-30

4.53%

Inst. Shares: 283,612

Shares Outstanding: 6,267,146

2025-03-31

1.24%

Inst. Shares: 77,156

Shares Outstanding: 6,241,324

2024-12-31

1.18%

Inst. Shares: 74,134

Shares Outstanding: 6,271,579

2024-09-30

1.76%

Inst. Shares: 111,085

Shares Outstanding: 6,294,603

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2025-09-30	380,760	6,267,146	6.08%
2025-06-30	283,612	6,267,146	4.53%
2025-03-31	77,156	6,241,324	1.24%
2024-12-31	74,134	6,271,579	1.18%
2024-09-30	111,085	6,294,603	1.76%
2024-06-30	69,817	6,291,529	1.11%
2024-03-31	59,225	6,292,060	0.94%
2023-12-31	59,177	6,284,768	0.94%
2023-09-30	47,257	6,282,203	0.75%
2023-06-30	56,537	6,275,819	0.90%
2023-03-31	46,790	6,300,633	0.74%
2022-12-31	64,011	6,274,542	1.02%
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CFSB Bancorp, Inc. /MA/ (CFSB) — SEC Financial Statements & Analysis

CFSB Bancorp, Inc. /MA/ (CFSB) is a savings institution, federally chartered company, incorporated in MA. CFSB Bancorp, Inc. /MA/ trades on None as: CFSB. Based on its latest SEC filing (Form 10-Q, period ending 2025-06-30), CFSB Bancorp, Inc. /MA/ reported a 12.18% year-over-year revenue growth, a Gross Profit Margin of 53.30% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 12.18%
Gross Profit Margin TTM: 53.30%

Data as of 2025-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CFSB Bancorp, Inc. /MA/ in?

CFSB Bancorp, Inc. /MA/ (CFSB) operates in the Savings Institution, Federally Chartered industry.

What exchange does CFSB trade on?

CFSB Bancorp, Inc. /MA/ (CFSB) trades on the None.

Where is CFSB Bancorp, Inc. /MA/ incorporated?

CFSB Bancorp, Inc. /MA/ is incorporated in MA.