Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
CFSB Bancorp Inc (CFSB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/11/2025: CFSB (3-star) is a STRONG-BUY. BUY since 118 days. Profits (84.00%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 68.69% | Avg. Invested days 50 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 85.88M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.52 | 52 Weeks Range 6.34 - 13.78 | Updated Date 06/29/2025 |
52 Weeks Range 6.34 - 13.78 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.05% | Operating Margin (TTM) 1.89% |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) -0.01% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 68552560 | Price to Sales(TTM) 11.48 |
Enterprise Value 68552560 | Price to Sales(TTM) 11.48 | ||
Enterprise Value to Revenue 13.04 | Enterprise Value to EBITDA - | Shares Outstanding 6259560 | Shares Floating 2436290 |
Shares Outstanding 6259560 | Shares Floating 2436290 | ||
Percent Insiders 58.12 | Percent Institutions 1.6 |
Upturn AI SWOT
CFSB Bancorp Inc
Company Overview
History and Background
CFSB Bancorp, Inc., the parent company of Community Financial Services Bank, was founded to serve the financial needs of its local communities. Specific founding year and milestones would require consulting company filings or official statements which are not available here. The bank has evolved over time to offer a range of banking products and services.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Offers banking services to businesses, including loans, lines of credit, and deposit accounts.
- Wealth Management: Provides financial planning and investment management services to individuals and businesses.
Leadership and Structure
Specific details about the leadership team and organizational structure would require accessing CFSB Bancorp, Inc.'s official website or investor relations materials. This information is not directly available here.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers a variety of mortgage products for home purchase and refinancing. Market share data for mortgage loans requires specialized market research which isn't accessible. Competitors include other local and national banks like US Bank (USB), PNC (PNC), and Rocket Mortgage.
- Commercial Loans: Provides loans to businesses for various purposes, such as expansion, equipment purchase, and working capital. Market share data requires specialized market research which isn't accessible. Competitors include other local and regional banks.
- Checking and Savings Accounts: Offers a range of checking and savings accounts to individuals and businesses. Market share data for deposit accounts requires specialized market research which isn't accessible. Competitors include other local and national banks like JPMorgan Chase (JPM), Bank of America (BAC), and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as interest rate fluctuations, regulatory changes, technological advancements (fintech), and economic conditions. Community banks like CFSB face competition from larger national banks, credit unions, and online lenders.
Positioning
CFSB Bancorp, Inc. likely positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages may include strong relationships with local customers and a deep understanding of the local market.
Total Addressable Market (TAM)
The TAM for community banking in the US is substantial, encompassing a significant portion of the overall banking market. However, CFSB Bancorp, Inc.'s share of this TAM is limited by its geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Personalized customer service
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on local economy
- Limited resources for technological innovation
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Development of new products and services
- Strategic partnerships with other financial institutions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in local market
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- USB
- PNC
- JPM
- BAC
- WFC
Competitive Landscape
CFSB Bancorp, Inc. faces intense competition from larger national banks and other community banks. Its ability to compete depends on its ability to differentiate itself through personalized service, local expertise, and competitive pricing.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require accessing CFSB Bancorp, Inc.'s past financial performance data, which is not accessible here.
Future Projections: Future growth projections require accessing analyst estimates and company guidance, which are not available here.
Recent Initiatives: Recent strategic initiatives undertaken by CFSB Bancorp, Inc. require accessing company announcements and press releases, which are not accessible here.
Summary
CFSB Bancorp, Inc. likely operates as a community-focused bank with strengths in local relationships and personalized service. It faces challenges from larger competitors and the need to adapt to technological changes. Success depends on differentiating itself and effectively managing costs. Further analysis requires access to the company's financials and market data.
Peer Comparison
Sources and Disclaimers
Data Sources:
- General knowledge of the banking industry.
- Publicly available information about community banks.
Disclaimers:
This analysis is based on publicly available information and general assumptions about community banks. It should not be considered financial advice. Specific financial data and market information for CFSB Bancorp, Inc. are not accessible.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CFSB Bancorp Inc
Exchange NASDAQ | Headquaters Quincy, MA, United States | ||
IPO Launch date 2022-01-13 | President, CEO & Director Mr. Michael E. McFarland | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 27 | Website https://colonialfed.com |
Full time employees 27 | Website https://colonialfed.com | ||
CFSB Bancorp, Inc. operates 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 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 investment grade investment securities and liquid assets, including 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. Further, it offers online banking services. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. is a subsidiary of 15 Beach, MHC.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.