View Future GrowthThis company has been acquiredThe company may no longer be operating, as it has been acquired. Find out why through their latest events.See Latest EventsCFSB Bancorp 過去の業績過去 基準チェック /06CFSB Bancorpの収益は年間平均-52.3%の割合で減少していますが、 Banks業界の収益は年間 増加しています。収益は年間2.8% 2.6%割合で 減少しています。主要情報-52.32%収益成長率-64.84%EPS成長率Banks 業界の成長11.18%収益成長率-2.63%株主資本利益率-0.35%ネット・マージン-3.48%前回の決算情報30 Jun 2025最近の業績更新Reported Earnings • Sep 19Full year 2025 earnings released: US$0.042 loss per share (vs US$0.005 profit in FY 2024)Full year 2025 results: US$0.042 loss per share (down from US$0.005 profit in FY 2024). Net loss: US$265.0k (down US$298.0k from profit in FY 2024). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 101 percentage points per year, which is a significant difference in performance.Reported Earnings • May 01Third quarter 2025 earnings released: EPS: US$0.001 (vs US$0.006 loss in 3Q 2024)Third quarter 2025 results: EPS: US$0.001 (up from US$0.006 loss in 3Q 2024). Net income: US$4.0k (up US$44.0k from 3Q 2024). Over the last 3 years on average, earnings per share has fallen by 58% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.Reported Earnings • Jan 30Second quarter 2025 earnings released: US$0.026 loss per share (vs US$0.033 loss in 2Q 2024)Second quarter 2025 results: US$0.026 loss per share (improved from US$0.033 loss in 2Q 2024). Net loss: US$162.0k (loss narrowed 23% from 2Q 2024). Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.Reported Earnings • Nov 01First quarter 2025 earnings released: US$0.001 loss per share (vs US$0.02 profit in 1Q 2024)First quarter 2025 results: US$0.001 loss per share (down from US$0.02 profit in 1Q 2024). Net loss: US$6.0k (down 105% from profit in 1Q 2024).Reported Earnings • Sep 24Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.03% (down from 2.61% in FY 2023).Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue.すべての更新を表示Recent updatesお知らせ • Nov 03Hometown Financial Group, Inc completed the acquisition of CFSB Bancorp, Inc. (NasdaqCM:CFSB).Hometown Financial Group, Inc entered into a definitive merger agreement to acquire CFSB Bancorp, Inc. (NasdaqCM:CFSB) for $93.3 million on May 20, 2025. Under the terms of the merger agreement, CFSB shareholders will receive $14.25 in cash for each share of CFSB common stock. The total transaction value is approximately $44 million. Hometown will acquire CFSB and its subsidiary Colonial Federal Savings Bank. The merger is anticipated to close in the fourth quarter of 2025, subject to certain conditions, including the receipt of required regulatory approvals, CFSB shareholder approval, and other standard conditions. The transaction has been unanimously approved by the companies boards of directors. As of September 16, 2025, CFSB Bancorp, Inc. shareholders approved the Agreement and Plan of Merger with Hometown Financial Group. As of October 21, 2025, the transaction received the requisite regulatory approvals from the Board of Governors of the Federal Reserve System and the Massachusetts Division of Banks. The expected completion of the transaction is on October 31, 2025, subject to the satisfaction of customary closing conditions. Edward G. Olifer and Stephen F. Donahoe of Kilpatrick Townsend & Stockton LLP served as legal counsel to Hometown Financial Group, Inc. and Lawrence M.F. Spaccasi and Scott A. Brown of Luse Gorman, PC served as legal counsel for CFSB Bancorp, Inc. while Piper Sandler provided strategic consulting. Piper Sandler & Co. acted as financial advisor and fairness opinion provider to CFSB, Laurel Hill Advisory Group, LLC served as Proxy Solicitor to CFSB and CFSB will pay Laurel Hill Advisory Group, a fee of $7,000. Hometown Financial Group, Inc completed the acquisition of CFSB Bancorp, Inc. (NasdaqCM:CFSB) on November 1, 2025. As part of the transaction, Colonial Federal employees and customers would join North Shore Bank and Hometown Financial Group family.お知らせ • Nov 01+ 9 more updatesCFSB Bancorp, Inc.(NasdaqCM:CFSB) dropped from Russell Microcap Value IndexCFSB Bancorp, Inc.(NasdaqCM:CFSB) dropped from Russell Microcap Value IndexReported Earnings • Sep 19Full year 2025 earnings released: US$0.042 loss per share (vs US$0.005 profit in FY 2024)Full year 2025 results: US$0.042 loss per share (down from US$0.005 profit in FY 2024). Net loss: US$265.0k (down US$298.0k from profit in FY 2024). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 101 percentage points per year, which is a significant difference in performance.New Risk • May 21New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of American stocks, typically moving 21% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (21% average weekly change). Earnings have declined by 49% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$51.2m market cap).お知らせ • May 21Hometown Financial Group, Inc entered into a definitive merger agreement to acquire CFSB Bancorp, Inc. (NasdaqCM:CFSB) for $93.3 million.Hometown Financial Group, Inc entered into a definitive merger agreement to acquire CFSB Bancorp, Inc. (NasdaqCM:CFSB) for $93.3 million on May 20, 2025. Under the terms of the merger agreement, CFSB shareholders will receive $14.25 in cash for each share of CFSB common stock. The total transaction value is approximately $44 million. Hometown will acquire CFSB and its subsidiary Colonial Federal Savings Bank. The merger is anticipated to close in the fourth quarter of 2025, subject to certain conditions, including the receipt of required regulatory approvals, CFSB shareholder approval, and other standard conditions. The transaction has been unanimously approved by the companies' boards of directors. Kilpatrick Townsend & Stockton LLP served as legal counsel to Hometown Financial Group, Inc. and Luse Gorman, PC served as legal counsel for CFSB Bancorp, Inc. while Piper Sandler provided strategic consulting.Reported Earnings • May 01Third quarter 2025 earnings released: EPS: US$0.001 (vs US$0.006 loss in 3Q 2024)Third quarter 2025 results: EPS: US$0.001 (up from US$0.006 loss in 3Q 2024). Net income: US$4.0k (up US$44.0k from 3Q 2024). Over the last 3 years on average, earnings per share has fallen by 58% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.Reported Earnings • Jan 30Second quarter 2025 earnings released: US$0.026 loss per share (vs US$0.033 loss in 2Q 2024)Second quarter 2025 results: US$0.026 loss per share (improved from US$0.033 loss in 2Q 2024). Net loss: US$162.0k (loss narrowed 23% from 2Q 2024). Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.Reported Earnings • Nov 01First quarter 2025 earnings released: US$0.001 loss per share (vs US$0.02 profit in 1Q 2024)First quarter 2025 results: US$0.001 loss per share (down from US$0.02 profit in 1Q 2024). Net loss: US$6.0k (down 105% from profit in 1Q 2024).お知らせ • Oct 16CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2024CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2024. Location: 15 beach street, massachusetts, quincy United StatesReported Earnings • Sep 24Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.03% (down from 2.61% in FY 2023).Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue.Reported Earnings • May 01Third quarter 2024 earnings released: US$0.006 loss per share (vs US$0.056 profit in 3Q 2023)Third quarter 2024 results: US$0.006 loss per share (down from US$0.056 profit in 3Q 2023). Net loss: US$40.0k (down 111% from profit in 3Q 2023).Reported Earnings • Jan 28Second quarter 2024 earnings released: US$0.033 loss per share (vs US$0.054 profit in 2Q 2023)Second quarter 2024 results: US$0.033 loss per share (down from US$0.054 profit in 2Q 2023). Revenue: US$1.92m (down 23% from 2Q 2023). Net loss: US$210.0k (down 162% from profit in 2Q 2023).New Risk • Nov 10New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.0% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 13% per year over the past 5 years. Minor Risks Shareholders have been diluted in the past year (2.0% increase in shares outstanding). Market cap is less than US$100m (US$38.9m market cap).New Risk • Oct 31New major risk - Revenue and earnings growthEarnings have declined by 13% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 13% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$39.8m market cap).Reported Earnings • Oct 31First quarter 2024 earnings released: EPS: US$0.02 (vs US$0.10 in 1Q 2023)First quarter 2024 results: EPS: US$0.02 (down from US$0.10 in 1Q 2023). Revenue: US$2.13m (down 17% from 1Q 2023). Net income: US$123.0k (down 81% from 1Q 2023). Profit margin: 5.8% (down from 25% in 1Q 2023). The decrease in margin was primarily driven by lower revenue.お知らせ • Oct 18CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2023CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2023, at 17:00 US Eastern Standard Time. Location: 15 Beach Street, Quincy Massachusetts United States Agenda: To consider and approve the election of two directors each to serve for a term of three years; The ratification of the appointment of Wolf & Company, P.C. to serve as the independent registered public accounting firm for the fiscal year ending June 30,2024; and to consider and approve the transaction of any other business that may properly come before the meeting and any adjournment or postponement of the meeting.Reported Earnings • Sep 22Full year 2023 earnings released: EPS: US$0.23 (vs US$0.075 in FY 2022)Full year 2023 results: EPS: US$0.23 (up from US$0.075 in FY 2022). Revenue: US$9.42m (up 6.1% from FY 2022). Net income: US$1.45m (up 227% from FY 2022). Profit margin: 15% (up from 5.0% in FY 2022). The increase in margin was primarily driven by higher revenue.Reported Earnings • Jul 26Full year 2023 earnings released: EPS: US$0.23 (vs US$0.075 in FY 2022)Full year 2023 results: EPS: US$0.23 (up from US$0.075 in FY 2022). Revenue: US$9.42m (up 6.1% from FY 2022). Net income: US$1.45m (up 227% from FY 2022). Profit margin: 15% (up from 5.0% in FY 2022). The increase in margin was primarily driven by higher revenue.Valuation Update With 7 Day Price Move • May 24Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$7.50, the stock trades at a trailing P/E ratio of 24.7x. Average trailing P/E is 8x in the Banks industry in the US. Total loss to shareholders of 18% over the past year.Reported Earnings • Apr 27Third quarter 2023 earnings released: EPS: US$0.056 (vs US$0.15 loss in 3Q 2022)Third quarter 2023 results: EPS: US$0.056 (up from US$0.15 loss in 3Q 2022). Revenue: US$2.30m (up 4.5% from 3Q 2022). Net income: US$355.0k (up US$1.18m from 3Q 2022). Profit margin: 15% (up from net loss in 3Q 2022). The move to profitability was primarily driven by lower expenses.Reported Earnings • Jan 27Second quarter 2023 earnings released: EPS: US$0.054 (vs US$0.036 in 2Q 2022)Second quarter 2023 results: EPS: US$0.054 (up from US$0.036 in 2Q 2022). Revenue: US$2.49m (up 15% from 2Q 2022). Net income: US$341.0k (up 46% from 2Q 2022). Profit margin: 14% (up from 11% in 2Q 2022). The increase in margin was driven by higher revenue.お知らせ • Jan 14CFSB Bancorp, Inc., Annual General Meeting, Feb 21, 2023CFSB Bancorp, Inc., Annual General Meeting, Feb 21, 2023, at 17:00 US Eastern Standard Time. Location: 15 Beach Street Quincy Massachusetts United States Agenda: To consider election of three directors each to serve for a term of three years; to consider approval of the CFSB Bancorp, Inc. 2023 Equity Incentive Plan; to consider ratification of the appointment of Wolf & Company, P.C. to serve as the independent registered public accounting firm for the fiscal year ending June 30, 2023; and to consider other matters.Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 6 highly experienced directors. Independent Director Tracy Wilson was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 22First quarter 2023 earnings releasedFirst quarter 2023 results: EPS: US$0.10. Revenue: US$2.56m (up 15% from 1Q 2022). Net income: US$645.0k (up 37% from 1Q 2022). Profit margin: 25% (up from 21% in 1Q 2022). The increase in margin was driven by higher revenue.Reported Earnings • Sep 15Full year 2022 earnings releasedFull year 2022 results: EPS: US$0.075. Revenue: US$8.87m (up 11% from FY 2021). Net income: US$442.0k (down 68% from FY 2021). Profit margin: 5.0% (down from 17% in FY 2021). The decrease in margin was driven by higher expenses.Seeking Alpha • Sep 14CFSB Bancorp GAAP EPS of $0.08, revenue of $8.9MCFSB Bancorp press release (NASDAQ:CFSB): FY GAAP EPS of $0.08. Revenue of $8.9M (+10.6% Y/Y).Board Change • Jun 30Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. No highly experienced directors. was the last director to join the board, commencing their role in . The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Reported Earnings • May 12Third quarter 2022 earnings releasedThird quarter 2022 results: US$0.15 loss per share. Revenue: US$2.20m (flat on 3Q 2021). Net loss: US$828.0k (flat on 3Q 2021).Reported Earnings • Feb 12Second quarter 2022 earnings: Revenues in line with analyst expectationsSecond quarter 2022 results: Revenue: US$2.16m (flat on 2Q 2021). Net income: US$234.0k (up US$234.0k from 2Q 2021). Profit margin: 11% (up from null in 2Q 2021). Revenue was in line with analyst estimates.Recent Insider Transactions • Jan 22Independent Director recently bought US$51k worth of stockOn the 14th of January, Paul Baharian bought around 5k shares on-market at roughly US$10.28 per share. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.お知らせ • Jan 14CFSB Bancorp, Inc. has completed an IPO in the amount of $28.04306 million.CFSB Bancorp, Inc. has completed an IPO in the amount of $28.04306 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 2,804,306 Price\Range: $10 Discount Per Security: $0.135 Transaction Features: Bank Conversion; ESOP Related Offering収支内訳CFSB Bancorp の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqCM:CFSB 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費30 Jun 25808031 Mar 25707031 Dec 24707030 Sep 24708030 Jun 24808031 Mar 24808031 Dec 23808030 Sep 23918030 Jun 23918031 Mar 231027031 Dec 221017030 Sep 22917030 Jun 22907031 Mar 22907031 Dec 21827030 Sep 21816030 Jun 21816030 Jun 208260質の高い収益: CFSBは現在利益が出ていません。利益率の向上: CFSBは現在利益が出ていません。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: CFSBは利益が出ておらず、過去 5 年間で損失は年間52.3%の割合で増加しています。成長の加速: CFSBの過去 1 年間の収益成長を 5 年間の平均と比較することはできません。現在は利益が出ていないためです。収益対業界: CFSBは利益が出ていないため、過去 1 年間の収益成長をBanks業界 ( 22.8% ) と比較することは困難です。株主資本利益率高いROE: CFSBは現在利益が出ていないため、自己資本利益率 ( -0.35% ) はマイナスです。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2025/11/03 21:48終値2025/10/31 00:00収益2025/06/30年間収益2025/06/30データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋CFSB Bancorp, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Reported Earnings • Sep 19Full year 2025 earnings released: US$0.042 loss per share (vs US$0.005 profit in FY 2024)Full year 2025 results: US$0.042 loss per share (down from US$0.005 profit in FY 2024). Net loss: US$265.0k (down US$298.0k from profit in FY 2024). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 101 percentage points per year, which is a significant difference in performance.
Reported Earnings • May 01Third quarter 2025 earnings released: EPS: US$0.001 (vs US$0.006 loss in 3Q 2024)Third quarter 2025 results: EPS: US$0.001 (up from US$0.006 loss in 3Q 2024). Net income: US$4.0k (up US$44.0k from 3Q 2024). Over the last 3 years on average, earnings per share has fallen by 58% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.
Reported Earnings • Jan 30Second quarter 2025 earnings released: US$0.026 loss per share (vs US$0.033 loss in 2Q 2024)Second quarter 2025 results: US$0.026 loss per share (improved from US$0.033 loss in 2Q 2024). Net loss: US$162.0k (loss narrowed 23% from 2Q 2024). Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.
Reported Earnings • Nov 01First quarter 2025 earnings released: US$0.001 loss per share (vs US$0.02 profit in 1Q 2024)First quarter 2025 results: US$0.001 loss per share (down from US$0.02 profit in 1Q 2024). Net loss: US$6.0k (down 105% from profit in 1Q 2024).
Reported Earnings • Sep 24Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.03% (down from 2.61% in FY 2023).
Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue.
お知らせ • Nov 03Hometown Financial Group, Inc completed the acquisition of CFSB Bancorp, Inc. (NasdaqCM:CFSB).Hometown Financial Group, Inc entered into a definitive merger agreement to acquire CFSB Bancorp, Inc. (NasdaqCM:CFSB) for $93.3 million on May 20, 2025. Under the terms of the merger agreement, CFSB shareholders will receive $14.25 in cash for each share of CFSB common stock. The total transaction value is approximately $44 million. Hometown will acquire CFSB and its subsidiary Colonial Federal Savings Bank. The merger is anticipated to close in the fourth quarter of 2025, subject to certain conditions, including the receipt of required regulatory approvals, CFSB shareholder approval, and other standard conditions. The transaction has been unanimously approved by the companies boards of directors. As of September 16, 2025, CFSB Bancorp, Inc. shareholders approved the Agreement and Plan of Merger with Hometown Financial Group. As of October 21, 2025, the transaction received the requisite regulatory approvals from the Board of Governors of the Federal Reserve System and the Massachusetts Division of Banks. The expected completion of the transaction is on October 31, 2025, subject to the satisfaction of customary closing conditions. Edward G. Olifer and Stephen F. Donahoe of Kilpatrick Townsend & Stockton LLP served as legal counsel to Hometown Financial Group, Inc. and Lawrence M.F. Spaccasi and Scott A. Brown of Luse Gorman, PC served as legal counsel for CFSB Bancorp, Inc. while Piper Sandler provided strategic consulting. Piper Sandler & Co. acted as financial advisor and fairness opinion provider to CFSB, Laurel Hill Advisory Group, LLC served as Proxy Solicitor to CFSB and CFSB will pay Laurel Hill Advisory Group, a fee of $7,000. Hometown Financial Group, Inc completed the acquisition of CFSB Bancorp, Inc. (NasdaqCM:CFSB) on November 1, 2025. As part of the transaction, Colonial Federal employees and customers would join North Shore Bank and Hometown Financial Group family.
お知らせ • Nov 01+ 9 more updatesCFSB Bancorp, Inc.(NasdaqCM:CFSB) dropped from Russell Microcap Value IndexCFSB Bancorp, Inc.(NasdaqCM:CFSB) dropped from Russell Microcap Value Index
Reported Earnings • Sep 19Full year 2025 earnings released: US$0.042 loss per share (vs US$0.005 profit in FY 2024)Full year 2025 results: US$0.042 loss per share (down from US$0.005 profit in FY 2024). Net loss: US$265.0k (down US$298.0k from profit in FY 2024). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 101 percentage points per year, which is a significant difference in performance.
New Risk • May 21New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of American stocks, typically moving 21% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (21% average weekly change). Earnings have declined by 49% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$51.2m market cap).
お知らせ • May 21Hometown Financial Group, Inc entered into a definitive merger agreement to acquire CFSB Bancorp, Inc. (NasdaqCM:CFSB) for $93.3 million.Hometown Financial Group, Inc entered into a definitive merger agreement to acquire CFSB Bancorp, Inc. (NasdaqCM:CFSB) for $93.3 million on May 20, 2025. Under the terms of the merger agreement, CFSB shareholders will receive $14.25 in cash for each share of CFSB common stock. The total transaction value is approximately $44 million. Hometown will acquire CFSB and its subsidiary Colonial Federal Savings Bank. The merger is anticipated to close in the fourth quarter of 2025, subject to certain conditions, including the receipt of required regulatory approvals, CFSB shareholder approval, and other standard conditions. The transaction has been unanimously approved by the companies' boards of directors. Kilpatrick Townsend & Stockton LLP served as legal counsel to Hometown Financial Group, Inc. and Luse Gorman, PC served as legal counsel for CFSB Bancorp, Inc. while Piper Sandler provided strategic consulting.
Reported Earnings • May 01Third quarter 2025 earnings released: EPS: US$0.001 (vs US$0.006 loss in 3Q 2024)Third quarter 2025 results: EPS: US$0.001 (up from US$0.006 loss in 3Q 2024). Net income: US$4.0k (up US$44.0k from 3Q 2024). Over the last 3 years on average, earnings per share has fallen by 58% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.
Reported Earnings • Jan 30Second quarter 2025 earnings released: US$0.026 loss per share (vs US$0.033 loss in 2Q 2024)Second quarter 2025 results: US$0.026 loss per share (improved from US$0.033 loss in 2Q 2024). Net loss: US$162.0k (loss narrowed 23% from 2Q 2024). Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.
Reported Earnings • Nov 01First quarter 2025 earnings released: US$0.001 loss per share (vs US$0.02 profit in 1Q 2024)First quarter 2025 results: US$0.001 loss per share (down from US$0.02 profit in 1Q 2024). Net loss: US$6.0k (down 105% from profit in 1Q 2024).
お知らせ • Oct 16CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2024CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2024. Location: 15 beach street, massachusetts, quincy United States
Reported Earnings • Sep 24Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 2.03% (down from 2.61% in FY 2023).
Reported Earnings • Aug 01Full year 2024 earnings released: EPS: US$0.005 (vs US$0.23 in FY 2023)Full year 2024 results: EPS: US$0.005 (down from US$0.23 in FY 2023). Revenue: US$7.69m (down 18% from FY 2023). Net income: US$33.0k (down 98% from FY 2023). Profit margin: 0.4% (down from 15% in FY 2023). The decrease in margin was driven by lower revenue.
Reported Earnings • May 01Third quarter 2024 earnings released: US$0.006 loss per share (vs US$0.056 profit in 3Q 2023)Third quarter 2024 results: US$0.006 loss per share (down from US$0.056 profit in 3Q 2023). Net loss: US$40.0k (down 111% from profit in 3Q 2023).
Reported Earnings • Jan 28Second quarter 2024 earnings released: US$0.033 loss per share (vs US$0.054 profit in 2Q 2023)Second quarter 2024 results: US$0.033 loss per share (down from US$0.054 profit in 2Q 2023). Revenue: US$1.92m (down 23% from 2Q 2023). Net loss: US$210.0k (down 162% from profit in 2Q 2023).
New Risk • Nov 10New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.0% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 13% per year over the past 5 years. Minor Risks Shareholders have been diluted in the past year (2.0% increase in shares outstanding). Market cap is less than US$100m (US$38.9m market cap).
New Risk • Oct 31New major risk - Revenue and earnings growthEarnings have declined by 13% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 13% per year over the past 5 years. Minor Risk Market cap is less than US$100m (US$39.8m market cap).
Reported Earnings • Oct 31First quarter 2024 earnings released: EPS: US$0.02 (vs US$0.10 in 1Q 2023)First quarter 2024 results: EPS: US$0.02 (down from US$0.10 in 1Q 2023). Revenue: US$2.13m (down 17% from 1Q 2023). Net income: US$123.0k (down 81% from 1Q 2023). Profit margin: 5.8% (down from 25% in 1Q 2023). The decrease in margin was primarily driven by lower revenue.
お知らせ • Oct 18CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2023CFSB Bancorp, Inc., Annual General Meeting, Nov 21, 2023, at 17:00 US Eastern Standard Time. Location: 15 Beach Street, Quincy Massachusetts United States Agenda: To consider and approve the election of two directors each to serve for a term of three years; The ratification of the appointment of Wolf & Company, P.C. to serve as the independent registered public accounting firm for the fiscal year ending June 30,2024; and to consider and approve the transaction of any other business that may properly come before the meeting and any adjournment or postponement of the meeting.
Reported Earnings • Sep 22Full year 2023 earnings released: EPS: US$0.23 (vs US$0.075 in FY 2022)Full year 2023 results: EPS: US$0.23 (up from US$0.075 in FY 2022). Revenue: US$9.42m (up 6.1% from FY 2022). Net income: US$1.45m (up 227% from FY 2022). Profit margin: 15% (up from 5.0% in FY 2022). The increase in margin was primarily driven by higher revenue.
Reported Earnings • Jul 26Full year 2023 earnings released: EPS: US$0.23 (vs US$0.075 in FY 2022)Full year 2023 results: EPS: US$0.23 (up from US$0.075 in FY 2022). Revenue: US$9.42m (up 6.1% from FY 2022). Net income: US$1.45m (up 227% from FY 2022). Profit margin: 15% (up from 5.0% in FY 2022). The increase in margin was primarily driven by higher revenue.
Valuation Update With 7 Day Price Move • May 24Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$7.50, the stock trades at a trailing P/E ratio of 24.7x. Average trailing P/E is 8x in the Banks industry in the US. Total loss to shareholders of 18% over the past year.
Reported Earnings • Apr 27Third quarter 2023 earnings released: EPS: US$0.056 (vs US$0.15 loss in 3Q 2022)Third quarter 2023 results: EPS: US$0.056 (up from US$0.15 loss in 3Q 2022). Revenue: US$2.30m (up 4.5% from 3Q 2022). Net income: US$355.0k (up US$1.18m from 3Q 2022). Profit margin: 15% (up from net loss in 3Q 2022). The move to profitability was primarily driven by lower expenses.
Reported Earnings • Jan 27Second quarter 2023 earnings released: EPS: US$0.054 (vs US$0.036 in 2Q 2022)Second quarter 2023 results: EPS: US$0.054 (up from US$0.036 in 2Q 2022). Revenue: US$2.49m (up 15% from 2Q 2022). Net income: US$341.0k (up 46% from 2Q 2022). Profit margin: 14% (up from 11% in 2Q 2022). The increase in margin was driven by higher revenue.
お知らせ • Jan 14CFSB Bancorp, Inc., Annual General Meeting, Feb 21, 2023CFSB Bancorp, Inc., Annual General Meeting, Feb 21, 2023, at 17:00 US Eastern Standard Time. Location: 15 Beach Street Quincy Massachusetts United States Agenda: To consider election of three directors each to serve for a term of three years; to consider approval of the CFSB Bancorp, Inc. 2023 Equity Incentive Plan; to consider ratification of the appointment of Wolf & Company, P.C. to serve as the independent registered public accounting firm for the fiscal year ending June 30, 2023; and to consider other matters.
Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 6 highly experienced directors. Independent Director Tracy Wilson was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 22First quarter 2023 earnings releasedFirst quarter 2023 results: EPS: US$0.10. Revenue: US$2.56m (up 15% from 1Q 2022). Net income: US$645.0k (up 37% from 1Q 2022). Profit margin: 25% (up from 21% in 1Q 2022). The increase in margin was driven by higher revenue.
Reported Earnings • Sep 15Full year 2022 earnings releasedFull year 2022 results: EPS: US$0.075. Revenue: US$8.87m (up 11% from FY 2021). Net income: US$442.0k (down 68% from FY 2021). Profit margin: 5.0% (down from 17% in FY 2021). The decrease in margin was driven by higher expenses.
Seeking Alpha • Sep 14CFSB Bancorp GAAP EPS of $0.08, revenue of $8.9MCFSB Bancorp press release (NASDAQ:CFSB): FY GAAP EPS of $0.08. Revenue of $8.9M (+10.6% Y/Y).
Board Change • Jun 30Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. No highly experienced directors. was the last director to join the board, commencing their role in . The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Reported Earnings • May 12Third quarter 2022 earnings releasedThird quarter 2022 results: US$0.15 loss per share. Revenue: US$2.20m (flat on 3Q 2021). Net loss: US$828.0k (flat on 3Q 2021).
Reported Earnings • Feb 12Second quarter 2022 earnings: Revenues in line with analyst expectationsSecond quarter 2022 results: Revenue: US$2.16m (flat on 2Q 2021). Net income: US$234.0k (up US$234.0k from 2Q 2021). Profit margin: 11% (up from null in 2Q 2021). Revenue was in line with analyst estimates.
Recent Insider Transactions • Jan 22Independent Director recently bought US$51k worth of stockOn the 14th of January, Paul Baharian bought around 5k shares on-market at roughly US$10.28 per share. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
お知らせ • Jan 14CFSB Bancorp, Inc. has completed an IPO in the amount of $28.04306 million.CFSB Bancorp, Inc. has completed an IPO in the amount of $28.04306 million. Security Name: Common Stock Security Type: Common Stock Securities Offered: 2,804,306 Price\Range: $10 Discount Per Security: $0.135 Transaction Features: Bank Conversion; ESOP Related Offering