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Upturn AI SWOT - About
CFSB Bancorp Inc (CFSB)
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Upturn Advisory Summary
10/22/2025: CFSB (3-star) is a STRONG-BUY. BUY since 190 days. Simulated Profits (89.60%). 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.
Analysis of Past Performance
Type Stock | Historic Profit 73.82% | Avg. Invested days 64 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/22/2025 |
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. operates as the bank holding company for Citizens First State Bank, which was established in 1902. The bank provides a range of financial services to individuals and businesses in its community. Throughout its history, CFSB has focused on community banking principles, adapting to changing market conditions while maintaining its commitment to customer service and local economic development.
Core Business Areas
- Commercial Banking: Offers business loans, lines of credit, commercial real estate financing, and treasury management services to local businesses.
- Retail Banking: Provides checking and savings accounts, personal loans, mortgages, and other financial services to individual customers.
- Wealth Management: Provides investment advice, trust services, and retirement planning to individuals and families.
Leadership and Structure
The leadership team comprises experienced banking professionals focused on strategic growth and operational efficiency. The organizational structure typically includes departments for lending, retail banking, finance, and compliance, all reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing to local businesses for various purposes. Market share information is difficult to determine precisely without access to specific market data. Competitors include larger national and regional banks operating in the same geographical area, as well as other community banks and credit unions. Revenue depends on loan volume and interest rates.
- Mortgages: Offers residential mortgage loans to individuals. Market share data requires local market analysis. Competitors are major mortgage lenders and other local banks. Revenue depends on loan volume and interest rates.
- Checking Accounts: Provides various checking account options for personal and business use. Market share data requires local market analysis. Competitors are other local and regional banks. Revenue depends on fee generation and deposit balance.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Community banks such as CFSB Bancorp Inc. are focusing on customer relationships and personalized service to differentiate themselves.
Positioning
CFSB Bancorp Inc. positions itself as a community-focused bank, emphasizing local decision-making, personalized service, and support for community development. Its competitive advantages stem from its deep understanding of the local market and its ability to build strong customer relationships.
Total Addressable Market (TAM)
The TAM for community banking services includes all individuals and businesses within its geographic region. TAM is influenced by population size, economic activity, and financial needs. CFSB Bancorp Inc. is positioned to capture a portion of this market by focusing on its strengths in customer service and community involvement.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Community focus
- Experienced management team
- Established reputation
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger competitors
- Dependence on local economy
- Limited technological resources compared to larger banks
Opportunities
- Expanding into new markets within the region
- Increasing market share through superior customer service
- Adopting new technologies to improve efficiency
- Offering specialized financial products and services
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the local economy
- Rising interest rates
- Increased regulatory burden
- Cybersecurity threats
Competitors and Market Share
Key Competitors
Competitive Landscape
Due to the lack of public information, a comprehensive competitive landscape analysis cannot be provided.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends cannot be assessed due to the lack of public financial data.
Future Projections: Future growth projections are unavailable due to the lack of analyst coverage.
Recent Initiatives: Information on recent strategic initiatives is not available in public filings.
Summary
CFSB Bancorp Inc. is a community bank focused on serving local customers and businesses. Strengths include strong customer relationships and local market expertise. Weaknesses involve limited reach compared to larger competitors. Growth opportunities are present in expanding services and market share, but threats exist from competition and economic conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- General banking information
Disclaimers:
Financial data is based on general banking models and assumptions due to the limited publicly available information on CFSB Bancorp Inc.
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.
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