CFSB Bancorp Inc (CFSB) - Net Assets
Based on the latest financial reports, CFSB Bancorp Inc (CFSB) has net assets worth $75.73 Million USD as of June 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($366.61 Million) and total liabilities ($290.87 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how tangible is CFSB Bancorp Inc's equity to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $75.73 Million |
| % of Total Assets | 20.66% |
| Annual Growth Rate | 9.9% |
| 5-Year Change | 55.68% |
| 10-Year Change | N/A |
| Growth Volatility | 20.6 |
CFSB Bancorp Inc - Net Assets Trend (2020–2025)
This chart illustrates how CFSB Bancorp Inc's net assets have evolved over time, based on quarterly financial data. See CFSB Bancorp Inc liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for CFSB Bancorp Inc (2020–2025)
The table below shows the annual net assets of CFSB Bancorp Inc from 2020 to 2025. For live valuation and market cap data, see CFSB Bancorp Inc (CFSB) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | $75.73 Million | -0.42% |
| 2024-06-30 | $76.05 Million | +0.21% |
| 2023-06-30 | $75.89 Million | +2.21% |
| 2022-06-30 | $74.25 Million | +52.64% |
| 2021-06-30 | $48.65 Million | +2.96% |
| 2020-06-30 | $47.25 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CFSB Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $49.96 Million | 65.97% |
| Common Stock | $65.00K | 0.09% |
| Other Comprehensive Income | $1.00K | 0.00% |
| Other Components | $25.70 Million | 33.94% |
| Total Equity | $75.73 Million | 100.00% |
CFSB Bancorp Inc Competitors by Market Cap
The table below lists competitors of CFSB Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
TAT HONG EQ.SRV. DL-08
F:1Q2
|
$93.35 Million |
|
Nanjing Panda Electronics Company Limited
F:NNJ
|
$93.36 Million |
|
WTK Holdings Bhd
KLSE:4243
|
$93.37 Million |
|
Stella Holdings Bhd
KLSE:5006
|
$93.38 Million |
|
MAISON POMMERY & ASSOCIES
PA:POMRY
|
$93.31 Million |
|
Powerlogics Co. Ltd
KQ:047310
|
$93.31 Million |
|
Kencana Agri Limited
F:KEBA
|
$93.28 Million |
|
Welltend Technology Corp
TW:3021
|
$93.27 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CFSB Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 76,050,000 to 75,731,000, a change of -319,000 (-0.4%).
- Net loss of 265,000 reduced equity.
- Share repurchases of 495,000 reduced equity.
- Other comprehensive income increased equity by 2,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-265.00K | -0.35% |
| Share Repurchases | $495.00K | -0.65% |
| Other Comprehensive Income | $2.00K | +0.0% |
| Other Changes | $439.00K | +0.58% |
| Total Change | $- | -0.42% |
Book Value vs Market Value Analysis
This analysis compares CFSB Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.18x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.97x to 1.18x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-06-30 | $7.24 | $14.25 | x |
| 2021-06-30 | $7.46 | $14.25 | x |
| 2022-06-30 | $12.61 | $14.25 | x |
| 2023-06-30 | $12.09 | $14.25 | x |
| 2024-06-30 | $12.09 | $14.25 | x |
| 2025-06-30 | $12.08 | $14.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CFSB Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -0.35%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -1.93%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 4.84x
- Recent ROE (-0.35%) is below the historical average (1.45%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | 3.65% | 15.64% | 0.03x | 7.05x | $-3.00 Million |
| 2021 | 2.86% | 13.75% | 0.03x | 6.97x | $-3.47 Million |
| 2022 | 0.60% | 4.46% | 0.03x | 4.93x | $-6.98 Million |
| 2023 | 1.91% | 15.36% | 0.03x | 4.60x | $-6.14 Million |
| 2024 | 0.04% | 0.26% | 0.03x | 4.78x | $-7.57 Million |
| 2025 | -0.35% | -1.93% | 0.04x | 4.84x | $-7.84 Million |
Industry Comparison
This section compares CFSB Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CFSB Bancorp Inc (CFSB) | $75.73 Million | 3.65% | 3.84x | $93.32 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About CFSB Bancorp Inc
As of November 1, 2025, CFSB Bancorp, Inc. was acquired by Hometown Financial Group, Inc. CFSB Bancorp, Inc. operates as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. The company accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, s… Read more