What is CFSB BANCORP INC's earnings per share (EPS)?

CFSB BANCORP INC (CFSB) reported diluted earnings per share of $-0.04 for fiscal year 2025. This represents a -500.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

CFSB BANCORP INC Financials

CFSB

Source SEC Filings (10-K/10-Q) Updated Jun 30, 2025 Currency USD FYE June

This page shows CFSB BANCORP INC (CFSB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 30/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

CFSB BANCORP INC's revenue grew 12.2% year-over-year to $13.1M, a solid pace of expansion. This earns a growth score of 54/100.

Leverage

CFSB BANCORP INC has elevated debt relative to equity (D/E of 3.84), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 24/100, reflecting increased financial risk.

Cash Flow

CFSB BANCORP INC has a free cash flow margin of 3.5%, earning a moderate score of 34/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

CFSB BANCORP INC generates a -0.4% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 10/100. This is down from 0.0% the prior year.

Piotroski F-Score Neutral

4/9

CFSB BANCORP INC passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

-1.75x

For every $1 of reported earnings, CFSB BANCORP INC generates $-1.75 in operating cash flow ($465K OCF vs -$265K net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$13.1M

YoY+12.2%

CFSB BANCORP INC generated $13.1M in revenue in fiscal year 2025. This represents an increase of 12.2% from the prior year.

EBITDA

N/A

Net Income

-$265K

YoY-903.0%

CFSB BANCORP INC reported -$265K in net income in fiscal year 2025. This represents a decrease of 903.0% from the prior year.

EPS (Diluted)

$-0.04

YoY-500.0%

CFSB BANCORP INC earned $-0.04 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 500.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$461K

YoY+38.4%

CFSB BANCORP INC generated $461K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 38.4% from the prior year.

Cash & Debt

$24.7M

YoY-8.5%

CFSB BANCORP INC held $24.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY-1.1%

CFSB BANCORP INC had 7M shares outstanding in fiscal year 2025. This represents a decrease of 1.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-2.0%

YoY-2.3pp

CFSB BANCORP INC's net profit margin was -2.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.3 percentage points from the prior year.

Return on Equity

-0.4%

YoY-0.4pp

CFSB BANCORP INC's ROE was -0.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$4K

YoY-94.4%

CFSB BANCORP INC invested $4K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 94.4% from the prior year.

CFSB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21
Revenue	$13.1M+12.2%	$11.7M+9.3%	$10.7M+15.8%	$9.2M-2.7%	$9.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.1M+23.1%	$5.0M+157.8%	$1.9M+88.8%	$1.0M-50.9%	$2.1M
Income Tax	-$28K+28.2%	-$39K-113.0%	$301K+678.8%	-$52K-121.1%	$246K
Net Income	-$265K-903.0%	$33K-97.7%	$1.4M+227.1%	$442K-68.2%	$1.4M
EPS (Diluted)	$-0.04-500.0%	$0.01-95.7%	$0.23+187.5%	$0.08	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$3.3M+2.4%	$3.3M+0.1%	$3.3M+1.4%	$3.2M+2.9%	$3.1M+4.0%	$3.0M+7.2%	$2.8M+2.6%	$2.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.5M-4.0%	$1.5M-3.9%	$1.6M-0.1%	$1.6M+4.6%	$1.5M+10.2%	$1.4M+17.4%	$1.2M+25.8%	$926K
Income Tax	-$95K-3066.7%	-$3K-105.9%	$51K+168.4%	$19K+117.9%	-$106K-152.4%	-$42K-362.5%	$16K-82.8%	$93K
Net Income	-$101K-2625.0%	$4K+102.5%	-$162K-2600.0%	-$6K-103.8%	$160K+500.0%	-$40K+81.0%	-$210K-270.7%	$123K
EPS (Diluted)	N/A	$0.00+100.0%	$-0.03	$0.00	N/A	$-0.01+66.7%	$-0.03-250.0%	$0.02

CFSB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	$366.6M+0.9%	$363.4M+4.1%	$349.0M-4.7%	$366.2M+8.1%	$338.9M
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$24.7M-8.5%	$27.0M+292.9%	$6.9M-78.3%	$31.7M-22.2%	$40.7M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$290.9M+1.2%	$287.4M+5.2%	$273.1M-6.4%	$291.9M+0.6%	$290.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$75.7M-0.4%	$76.0M+0.2%	$75.9M+2.2%	$74.3M+52.6%	$48.6M
Retained Earnings	$50.0M-0.5%	$50.2M-0.4%	$50.4M+3.0%	$49.0M+0.7%	$48.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$366.6M+0.1%	$366.2M+0.9%	$362.8M-0.5%	$364.5M+0.3%	$363.4M+1.5%	$358.1M-0.3%	$359.0M+3.7%	$346.2M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$24.7M-12.7%	$28.3M-2.0%	$28.8M-6.0%	$30.7M+13.8%	$27.0M+24.4%	$21.7M+37.8%	$15.7M+157.0%	$6.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$290.9M+0.1%	$290.5M+1.2%	$287.1M-0.5%	$288.5M+0.4%	$287.4M+1.8%	$282.2M-0.4%	$283.2M+4.8%	$270.3M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$75.7M0.0%	$75.7M+0.1%	$75.7M-0.5%	$76.0M0.0%	$76.0M+0.2%	$75.9M+0.1%	$75.8M-0.1%	$75.9M
Retained Earnings	$50.0M-0.2%	$50.1M0.0%	$50.1M-0.3%	$50.2M0.0%	$50.2M+0.3%	$50.1M-0.1%	$50.1M-0.4%	$50.3M

CFSB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$465K+15.1%	$404K-80.3%	$2.1M+9.0%	$1.9M-6.5%	$2.0M
Capital Expenditures	$4K-94.4%	$71K-77.4%	$314K+141.5%	$130K-39.0%	$213K
Free Cash Flow	$461K+38.4%	$333K-80.9%	$1.7M-0.9%	$1.8M-2.7%	$1.8M
Investing Cash Flow	-$5.7M-200.1%	$5.7M+182.9%	-$6.9M+81.1%	-$36.3M-1099.2%	-$3.0M
Financing Cash Flow	$2.9M-78.9%	$14.0M+170.0%	-$20.0M-178.7%	$25.4M+487.1%	$4.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$104K-46.4%	$194K+197.5%	-$199K-154.4%	$366K+18.8%	$308K+92.5%	$160K+132.0%	-$500K-214.7%	$436K
Capital Expenditures	$2K	$0	$0-100.0%	$2K-95.0%	$40K+300.0%	$10K-52.4%	$21K	$0
Free Cash Flow	$102K-47.4%	$194K+197.5%	-$199K-154.7%	$364K+35.8%	$268K+78.7%	$150K+128.8%	-$521K-219.5%	$436K
Investing Cash Flow	-$4.1M-0.9%	-$4.1M-3525.9%	-$112K-104.4%	$2.6M+1972.3%	-$137K-102.0%	$7.0M+329.4%	-$3.0M-257.8%	$1.9M
Financing Cash Flow	$410K-87.5%	$3.3M+315.3%	-$1.5M-296.5%	$777K-84.8%	$5.1M+537.9%	-$1.2M-108.9%	$13.1M+524.0%	-$3.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

CFSB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	-2.0%-2.3pp	0.3%-13.3pp	13.5%+8.8pp	4.8%-9.9pp	14.7%
Return on Equity	-0.4%-0.4pp	0.0%-1.9pp	1.9%+1.3pp	0.6%-2.3pp	2.9%
Return on Assets	-0.1%-0.1pp	0.0%-0.4pp	0.4%+0.3pp	0.1%-0.3pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.84+0.1	3.78+0.2	3.60-0.3	3.93-2.0	5.97
FCF Margin	3.5%+0.7pp	2.9%-13.4pp	16.3%-2.7pp	19.0%+0.0pp	19.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-3.0%-3.1pp	0.1%+5.1pp	-5.0%-4.8pp	-0.2%-5.3pp	5.1%+6.5pp	-1.3%+6.2pp	-7.5%-12.0pp	4.5%
Return on Equity	-0.1%-0.1pp	0.0%+0.2pp	-0.2%-0.2pp	-0.0%-0.2pp	0.2%+0.3pp	-0.1%+0.2pp	-0.3%-0.4pp	0.2%
Return on Assets	-0.0%-0.0pp	0.0%+0.0pp	-0.0%-0.0pp	0.0%-0.0pp	0.0%+0.1pp	-0.0%+0.0pp	-0.1%-0.1pp	0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.840.0	3.84+0.0	3.790.0	3.79+0.0	3.78+0.1	3.72-0.0	3.74+0.2	3.56
FCF Margin	3.0%-2.9pp	5.9%+12.0pp	-6.1%-17.4pp	11.3%+2.7pp	8.6%+3.6pp	5.0%+23.6pp	-18.6%-34.5pp	16.0%

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Frequently Asked Questions

What is CFSB BANCORP INC's annual revenue?

CFSB BANCORP INC (CFSB) reported $13.1M in total revenue for fiscal year 2025. This represents a 12.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is CFSB BANCORP INC's revenue growing?

CFSB BANCORP INC (CFSB) revenue grew by 12.2% year-over-year, from $11.7M to $13.1M in fiscal year 2025.

Is CFSB BANCORP INC profitable?

No, CFSB BANCORP INC (CFSB) reported a net income of -$265K in fiscal year 2025, with a net profit margin of -2.0%.

What is CFSB BANCORP INC's net profit margin?

CFSB BANCORP INC (CFSB) had a net profit margin of -2.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is CFSB BANCORP INC's return on equity (ROE)?

CFSB BANCORP INC (CFSB) has a return on equity of -0.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is CFSB BANCORP INC's free cash flow?

CFSB BANCORP INC (CFSB) generated $461K in free cash flow during fiscal year 2025. This represents a 38.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is CFSB BANCORP INC's operating cash flow?

CFSB BANCORP INC (CFSB) generated $465K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are CFSB BANCORP INC's total assets?

CFSB BANCORP INC (CFSB) had $366.6M in total assets as of fiscal year 2025, including both current and long-term assets.

What are CFSB BANCORP INC's capital expenditures?

CFSB BANCORP INC (CFSB) invested $4K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does CFSB BANCORP INC have outstanding?

CFSB BANCORP INC (CFSB) had 7M shares outstanding as of fiscal year 2025.

What is CFSB BANCORP INC's debt-to-equity ratio?

CFSB BANCORP INC (CFSB) had a debt-to-equity ratio of 3.84 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is CFSB BANCORP INC's return on assets (ROA)?

CFSB BANCORP INC (CFSB) had a return on assets of -0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is CFSB BANCORP INC's Piotroski F-Score?

CFSB BANCORP INC (CFSB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are CFSB BANCORP INC's earnings high quality?

CFSB BANCORP INC (CFSB) has an earnings quality ratio of -1.75x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is CFSB BANCORP INC?

CFSB BANCORP INC (CFSB) scores 30 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.