CFSB BANCORP INC Financials
CFSB BANCORP INC (CFSB) reported $13.1M in revenue for fiscal year 2025, up 12.2% 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).
Higher funding costs overtook modest revenue growth, leaving a lightly capital-intensive model with thinner earnings but still positive cash generation.
From FY2023 to FY2025, revenue climbed from$10.7M to$13.1M , so the earnings setback was not caused by weaker revenue. Yet net margin swung from13.5% to-2.0% as interest expense more than tripled, showing that the core squeeze came from financing costs rather than overhead or reinvestment.
FY2025 still produced operating cash flow of
The balance sheet did not materially de-risk while profitability weakened: debt-to-equity was 3.8x in FY2025 versus 3.6x in FY2023. With equity capital staying broadly flat, rising financing costs hit a similarly levered structure instead of being cushioned by deleveraging.
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.
Not available for CFSB BANCORP INC, and counted as zero in the overall score.
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 $13.1M in revenue in fiscal year 2025. This represents an increase of 12.2% from the prior year.
CFSB BANCORP INC reported -$265K in net income in fiscal year 2025. This represents a decrease of 903.0% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
CFSB BANCORP INC held $24.7M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 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.
| 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 |
| SG&A Expenses | $1.0M-2.8% | $1.0M-14.8% | $1.2M+11.1% | $1.1M+6.4% | $1.0M-7.8% | $1.1M-11.8% | $1.3M+10.8% | $1.1M |
| 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) | -$0.01 | $0.00+100.0% | -$0.03 | $0.00-100.0% | $0.03+400.0% | -$0.01 | -$0.03-250.0% | $0.02 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
CFSB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| 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 |
| 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 |
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, 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.
| 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 |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
CFSB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| 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% |
| Debt-to-Equity | 3.840.0x | 3.840.0x | 3.790.0x | 3.790.0x | 3.78+0.1x | 3.720.0x | 3.74+0.2x | 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% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where CFSB BANCORP INC Ranks
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.
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 21 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.