CFSB Bancorp, Inc. (CFSB) Financials
Newest figures come from the 10-K for FY2025, filed Sep 18, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CFSB SEC filings page.
CFSB Bancorp, Inc. (CFSB) reported $7.7M in revenue for fiscal year 2025, up 3.9% from the prior fiscal year. This page shows its 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).
Rising funding costs have pushed this balance-sheet-heavy bank into losses, even as cash generation remains modestly positive.
Interest expense climbed from$1.9M in FY2023 to$6.1M in FY2025 while revenue remained below FY2023, so recovering activity did not restore profitability. Operating cash flow of$465K nearly matched free cash flow of$461K despite a net loss, indicating that limited reinvestment—not stronger profitability—kept cash generation positive.
Liabilities of
SG&A edged down from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of CFSB Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
CFSB Bancorp, Inc. earned a return on assets of -0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.0% the prior year. Earnings ranks banks on that return over three years, and CFSB Bancorp, Inc. scores 17/100 among other banks.
CFSB Bancorp, Inc. reported revenue of $7.7M in fiscal year 2025, against $7.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and CFSB Bancorp, Inc. scores 7/100 among other banks.
CFSB Bancorp, Inc. funded 20.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $75.7M of equity against $366.6M of assets. Capital ranks banks on that cushion, and CFSB Bancorp, Inc. scores 86/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. CFSB Bancorp, Inc. scores 7/100 on it among other banks.
Not available for CFSB Bancorp, Inc., and counted as zero in the overall score.
CFSB Bancorp, Inc. reported a net loss of $265K in fiscal year 2025, against $33K in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and CFSB Bancorp, Inc. scores 12/100 among other banks.
CFSB Bancorp, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
CFSB Bancorp, Inc. reported a net loss of $265K while generating $465K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
CFSB Bancorp, Inc. generated $2.1M in revenue in Q4 2025. This represents an increase of 16.2% from the same quarter a year earlier. Against the prior quarter it is up 8.5%.
CFSB Bancorp, Inc. reported -$101K in net income in Q4 2025. This represents a decrease of 163.1% from the same quarter a year earlier. Against the prior quarter it is down 2625.0%.
Not reported for Q4 2025.
Cash & Balance Sheet
CFSB Bancorp, Inc. generated $102K in free cash flow in Q4 2025, representing cash available after capex. This represents a decrease of 61.9% from the same quarter a year earlier. Against the prior quarter it is down 47.4%.
CFSB Bancorp, Inc. held $24.7M in cash as of Q4 2025; long-term debt is not reported for that period.
Not reported for Q4 2025.
Margins & Returns
CFSB Bancorp, Inc.'s net profit margin was -4.9% in Q4 2025, showing the share of revenue converted to profit. This is down 13.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.1 percentage points.
CFSB Bancorp, Inc.'s ROE was -0.1% in Q4 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q4 2025.
Not reported for Q4 2025.
Capital Allocation
CFSB Bancorp, Inc. invested $2K in capex in Q4 2025, funding long-term assets and infrastructure. This represents a decrease of 95.0% from the same quarter a year earlier.
Not reported for Q4 2025.
Not reported for Q4 2025.
CFSB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.1M+16.2% | $1.9M+6.0% | $1.9M+2.4% | $1.8M-7.8% | $1.8M-13.1% | $1.8M-21.6% | $1.8M-27.4% | $2.0M-23.3% |
| SG&A Expenses | $1.0M-2.0% | $1.0M-7.1% | $1.2M-3.9% | $1.1M-4.2% | $1.0M-10.1% | $1.1M+1.3% | $1.3M+1.4% | $1.1M+12.4% |
| Interest Expense | $1.5M-3.6% | $1.5M+10.5% | $1.6M+35.1% | $1.6M+70.2% | $1.5M+86.5% | $1.4M+155.2% | $1.2M+242.6% | $926K+282.6% |
| Income Tax | -$95K+10.4% | -$3K+92.9% | $51K+218.8% | $19K-79.6% | -$106K-657.9% | -$42K-189.4% | $16K-75.4% | $93K-45.3% |
| Net Income | -$101K-163.1% | $4K+110.0% | -$162K+22.9% | -$6K-104.9% | $160K+52.4% | -$40K-111.3% | -$210K-161.6% | $123K-80.9% |
| EPS (Basic) | -$0.01-133.3% | $0.00+100.0% | -$0.030.0% | $0.00-100.0% | $0.03+50.0% | -$0.01-116.7% | -$0.03-160.0% | $0.02-80.0% |
| EPS (Diluted) | -$0.01 | $0.00+100.0% | -$0.030.0% | $0.00-100.0% | $0.03+50.0% | -$0.01-116.7% | -$0.03-160.0% | $0.02-80.0% |
| Diluted Shares (Avg) | N/A | 6M-0.8% | 6M-0.2% | 6M+0.2% | N/A | 6M-0.1% | 6M+0.2% | 6M+0.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CFSB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $366.6M+0.9% | $366.2M+2.3% | $362.8M+1.0% | $364.5M+5.3% | $363.4M+4.1% | $358.1M+1.8% | $359.0M+0.6% | $346.2M-4.1% |
| Cash & Equivalents | $24.7M-8.5% | $28.3M+30.4% | $28.8M+83.3% | $30.7M+401.3% | $27.0M+292.9% | $21.7M+305.5% | $15.7M+48.7% | $6.1M-61.1% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $290.9M+1.2% | $290.5M+2.9% | $287.1M+1.4% | $288.5M+6.7% | $287.4M+5.2% | $282.2M+2.2% | $283.2M+0.6% | $270.3M-5.5% |
| Total Equity | $75.7M-0.4% | $75.7M-0.2% | $75.7M-0.2% | $76.0M+0.2% | $76.0M+0.2% | $75.9M+0.2% | $75.8M+0.7% | $75.9M+1.3% |
| Retained Earnings | $50.0M-0.5% | $50.1M0.0% | $50.1M-0.1% | $50.2M-0.2% | $50.2M-0.4% | $50.1M-0.5% | $50.1M+0.3% | $50.3M+1.4% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CFSB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $104K-66.2% | $194K+21.3% | -$199K+60.2% | $366K-16.1% | $308K-50.0% | $160K-70.4% | -$500K-399.4% | $436K-40.3% |
| Depreciation & Amortization | $53K-14.5% | $53K-10.2% | $56K-3.4% | $62K+5.1% | $62K+100.0% | $59K+11.3% | $58K-9.4% | $59K-7.8% |
| Capital Expenditures | $2K-95.0% | $0-100.0% | $0-100.0% | $2K | $40K-34.4% | $10K-94.8% | $21K0.0% | $0-100.0% |
| Free Cash Flow | $102K-61.9% | $194K+29.3% | -$199K+61.8% | $364K-16.5% | $268K-51.7% | $150K-56.9% | -$521K-456.8% | $436K-36.8% |
| Investing Cash Flow | -$4.1M-2892.0% | -$4.1M-158.4% | -$112K+96.3% | $2.6M+33.7% | -$137K-103.6% | $7.0M+3540.6% | -$3.0M-275.8% | $1.9M+119.8% |
| Financing Cash Flow | $410K-92.0% | $3.3M+381.0% | -$1.5M-111.6% | $777K+125.1% | $5.1M+275.2% | -$1.2M+79.0% | $13.1M+390.1% | -$3.1M+55.5% |
Not reported in any period shown, so not listed: Stock-Based Compensation, Dividends Paid, Share Buybacks.
CFSB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -4.9%-13.8pp | 0.2%+2.4pp | -8.7%+2.9pp | -0.3%-6.6pp | 8.9%+3.9pp | -2.2%-17.6pp | -11.6%-25.3pp | 6.3%-18.9pp |
| Return on Equity | -0.1%-0.3pp | 0.0%+0.1pp | -0.2%+0.1pp | 0.0%-0.2pp | 0.2%+0.1pp | -0.1%-0.5pp | -0.3%-0.7pp | 0.2%-0.7pp |
| Return on Assets | 0.0%-0.1pp | 0.0%0.0pp | 0.0%0.0pp | 0.0%0.0pp | 0.0%0.0pp | 0.0%-0.1pp | -0.1%-0.2pp | 0.0%-0.1pp |
| Debt-to-Equity | 3.84+0.1x | 3.84+0.1x | 3.79+0.1x | 3.79+0.2x | 3.78+0.2x | 3.72+0.1x | 3.740.0x | 3.56-0.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 4.9%-10.1pp | 10.1%+1.8pp | -10.7%+18.0pp | 20.1%-2.1pp | 15.0%-12.0pp | 8.3%-6.8pp | -28.8%-34.6pp | 22.2%-4.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| CFSB Bancorp, Inc. CFSB | FY2025 | $7.7M | -$265K | -3.5% | $93.3M | 22/100 |
| Pathfinder Bancorp Inc PBHC | FY2025 | $46.8M | -$1.9M | -4.1% | $104.9M | 20/100 |
| Auburn National Bancorporation AUBN | FY2025 | $32.8M | $7.3M | 22.1% | $92.8M | 42/100 |
| Magyar Bancorp, Inc. MGYR | FY2025 | $54.7M | $9.8M | 17.8% | $121.0M | 56/100 |
| Riverview Bancorp Inc RVSB | FY2026 | $43.1M | -$4.3M | -10.1% | $119.9M | 25/100 |
| Lake Shore Bancorp, Inc. LSBK | FY2025 | $27.8M | $7.3M | 26.1% | $141.1M | 63/100 |
Where CFSB Bancorp, Inc. Ranks
Frequently Asked Questions
What is CFSB Bancorp, Inc.'s annual revenue?
CFSB Bancorp, Inc. (CFSB) reported $7.7M in total revenue for fiscal year 2025. This represents a 3.9% 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 3.9% year-over-year, from $7.4M to $7.7M 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 -3.5%.
What is CFSB Bancorp, Inc.'s net profit margin?
CFSB Bancorp, Inc. (CFSB) had a net profit margin of -3.5% 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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported a net loss of $265K while generating $465K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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 22 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.