US · CFSB
CFSB Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Quincy, MA 02170
- Website
- colonialfed.com
Price · as of 2025-06-30
—
Market cap 93.32M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $533.49 | — |
| Intrinsic Value(DCF) | $16.54 | — |
| Graham-Dodd Method(GD) | $11.87 | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | |||||
| 2021 | $8.53 | $0.06 | |||
| 2022 | $9.09 | $52.38 | $11.91 | $12.99 | $0.47 |
| 2023 | $7.20 | $25.45 | $11.61 | $13.24 | $5.05 |
| 2024 | $6.74 | $215.11 | $11.39 | $12.11 | $0.09 |
| 2025 | $14.18 | $533.49 | $16.88 | $11.87 | $0.00 |
AI valuation
Our deep-learning model estimates CFSB Bancorp, Inc.'s (CFSB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $533.49
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$16.54
— upside
Graham-Dodd
$11.87
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CFSB | CFSB Bancorp, Inc. | $14.25 | 93.32M | +3,644% | +16% | -17% | — | -335.35 | 1.17 | 6.79 | — | — | 1.17 | 0.00% | 0.00% | -2.02% | -0.35% | 0.00% | -0.07% | 0.00 | 0.00 | — | — | — | -50000.00% | 505.00% | -24084.00% | -0.53% | — | -0.84% | 0.00% | 0.00% | 0.00% | — | -136.89 | 4.90 | 0.50 |
| BSBK | Bogota Financial Corp. | $8.56 | 108.45M | +3,543% | +32% | +40% | -77% | 50.81 | 0.75 | 2.37 | 69.46 | — | 0.75 | 38.79% | 4.63% | 4.67% | 1.50% | 1.19% | 0.22% | 0.52 | 0.08 | — | — | 18.20 | -20000.00% | 390.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 87.54% | 69.46 | — | 3.22 | 0.32 |
| FDSB | Fifth District Savings Ba… | $13.34 | 74.16M | +4,277% | +43% | +76% | — | -58.71 | 0.50 | 3.28 | -34.20 | — | 0.50 | 58.47% | -7.45% | -5.59% | -1.06% | -2.61% | -0.21% | 0.00 | -0.16 | 0.10 | 0.10 | 51.10 | -25000.00% | 1093.00% | 4065.00% | -2.47% | 0.00 | -3.79% | 0.00% | 0.00% | 35.72% | -17.67 | -16.23 | 1.32 | -0.46 |
| IROQ | IF Bancorp, Inc. | $25.85 | 83.65M | +138% | +11% | -1% | -27% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| LSBK | Lake Shore Bancorp, Inc. | $14.27 | 110.43M | +782% | -10% | -10% | -42% | 17.74 | 0.97 | 2.30 | 1.23 | 270.53 | 0.98 | 67.82% | 15.39% | 12.94% | 5.60% | 55.27% | 0.70% | 0.11 | 0.43 | 0.16 | 0.16 | -3.46 | 656.00% | 472.00% | -5686.00% | 2.87% | 0.00 | 28.11% | 1.24% | 21.90% | 6.29% | 1.38 | 3.23 | 0.21 | -0.50 |
| MGYR | Magyar Bancorp, Inc. | $17.04 | 109.89M | +156% | +26% | +32% | +80% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| PBHC | Pathfinder Bancorp, Inc. | $15.10 | 92.44M | +186% | +16% | +6% | -13% | 29.73 | 0.83 | 1.20 | -9.82 | — | 0.91 | 42.09% | 6.18% | 4.05% | 2.81% | -50.14% | 0.23% | 1.12 | 0.14 | 0.24 | 0.24 | 16.15 | -7219.00% | 1624.00% | -7864.00% | 2.86% | 0.01 | -29.87% | 2.36% | 70.30% | 59.96% | -12.37 | -22.19 | -0.76 | -0.59 |
| PROV | Provident Financial Holdi… | $15.46 | 102.8M | +132% | +7% | -0% | -36% | 16.35 | 0.80 | 1.70 | 21.21 | — | 0.80 | 65.94% | 14.75% | 10.40% | 4.84% | 2.07% | 0.50% | 1.66 | 0.42 | 0.06 | 0.06 | 12.94 | -1226.00% | 253.00% | 9910.00% | 7.97% | 0.01 | 2.70% | 3.68% | 60.20% | 34.57% | 29.55 | 32.15 | 4.36 | -0.44 |
| SSBI | Summit State Bank | $10.96 | 73.64M | +1,738% | +35% | +83% | -71% | 12.73 | 0.86 | 1.47 | 3.01 | — | 0.86 | 55.78% | 15.24% | 11.55% | 7.05% | 48.92% | 0.66% | 0.06 | 0.38 | 0.11 | 0.11 | -6.65 | -26290.00% | -517.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 16.30% | 3.01 | — | 0.46 | -0.50 |
| WSBK | Winchester Bancorp, Inc. … | $9.63 | 89.51M | +564% | +6% | +25% | — | -101.05 | 0.77 | 1.98 | -226.66 | — | 0.77 | 38.76% | -3.44% | -1.96% | -0.89% | -0.55% | -0.10% | 1.27 | -0.06 | 0.09 | 0.12 | -134.34 | -22019.00% | 2251.00% | -30083.00% | 2.47% | 0.00 | 1.38% | 0.00% | 0.00% | 3.79% | -101.18 | 70.98 | 3.48 | -0.56 |
About CFSB Bancorp, Inc.
CFSB Bancorp, Inc. focuses on operating 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 also 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 types of investment grade investment securities and liquid assets comprising 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. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.
- CEO
- Michael E. McFarland
- Employees
- 27
- Beta
- 0.50
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($16.54 ÷ —) − 1 = — (DCF, example).