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Upturn AI SWOT - About
CFSB Bancorp Inc (CFSB)
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Upturn Advisory Summary
03/26/2025: CFSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.56% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/26/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 52.00M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 5400 | Beta 0.1 | 52 Weeks Range 6.34 - 8.28 | Updated Date 04/1/2025 |
52 Weeks Range 6.34 - 8.28 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.64% | Operating Margin (TTM) -3.93% |
Management Effectiveness
Return on Assets (TTM) -0.01% | Return on Equity (TTM) -0.06% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 30036694 | Price to Sales(TTM) 6.97 |
Enterprise Value 30036694 | Price to Sales(TTM) 6.97 | ||
Enterprise Value to Revenue 8.4 | Enterprise Value to EBITDA - | Shares Outstanding 6548580 | Shares Floating 2443566 |
Shares Outstanding 6548580 | Shares Floating 2443566 | ||
Percent Insiders 58.12 | Percent Institutions 1.49 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CFSB Bancorp Inc
Company Overview
History and Background
CFSB Bancorp Inc. is a community bank holding company likely founded to serve local communities. Specific founding details and milestones require further research using financial databases and company filings.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and small businesses, including deposit accounts, loans, and other financial products.
Leadership and Structure
Detailed information about the leadership team and organizational structure requires specific research from company reports and online sources. It generally involves a board of directors and executive management team overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes such as equipment, real estate, and working capital. Market share data is not readily available and requires specific industry reports. Competitors include larger regional and national banks (e.g., JPM, BAC, WFC) as well as other community banks.
- Residential Mortgages: Provides mortgage loans to individuals for home purchases. Market share data is not readily available and requires specific industry reports. Competitors include large mortgage lenders (e.g., RKT) and other banks.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include all other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and regulatory changes. Community banks face competition from larger institutions and fintech companies.
Positioning
CFSB Bancorp Inc. likely positions itself as a community-focused bank, emphasizing personalized service and local decision-making. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in their operating region would be in the billions of USD. CFSB Bancorp Inc.'s position within this TAM depends on its market share, which is likely a small percentage due to competition.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Personalized customer service
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Limited access to capital
- Dependence on local economy
Opportunities
- Expanding into new markets within the region
- Developing new digital banking services
- Acquiring smaller community banks
- Increasing cross-selling of financial products
Threats
- Competition from larger banks and credit unions
- Rising interest rates
- Economic downturn in the region
- Increasing regulatory burden
- Fintech Disruption
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- PNC
Competitive Landscape
CFSB Bancorp Inc. faces intense competition from larger national banks and other regional players. Its advantages lie in its local market knowledge and personalized service, but its scale limits its ability to compete on price or product breadth.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Depends on historical financial data. Stable growth is expected.
Future Projections: Requires analyst estimates. Typically moderate growth is forecast for community banks.
Recent Initiatives: Requires research of recent company announcements and press releases. Examples include expanding digital services or acquiring smaller banks.
Summary
CFSB Bancorp Inc. is a stable community bank with strong local ties. Its smaller size and limited resources pose challenges in a competitive landscape dominated by larger institutions. Future success relies on adapting to technological changes and effectively managing local market opportunities and threats.
Similar Companies
- FITB
- KEY
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- RF
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Sources and Disclaimers
Data Sources:
- SEC Filings (Form 10-K, 10-Q)
- Company Website
- Financial News Outlets (Bloomberg, Reuters)
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Specific financial data and market share figures may require further research. This is not financial advice.
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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