CFSB (CFSB Bancorp) Accounts Receivable : $1.38 Mil (As of Mar. 2025)

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What is CFSB Bancorp Accounts Receivable?

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. CFSB Bancorp's accounts receivables for the quarter that ended in Mar. 2025 was $1.38 Mil.

Accounts receivable can be measured by Days Sales Outstanding. CFSB Bancorp's Days Sales Outstanding for the quarter that ended in Mar. 2025 was 65.72.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. CFSB Bancorp's Net-Net Working Capital per share for the quarter that ended in Mar. 2025 was $-41.27.

CFSB Bancorp Accounts Receivable Historical Data

The historical data trend for CFSB Bancorp's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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CFSB Bancorp Accounts Receivable Chart

CFSB Bancorp Annual Data

Trend

Jun20

Jun21

Jun22

Jun23

Jun24

Accounts Receivable

1.12

1.15

1.27

1.36

1.40

CFSB Bancorp Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Accounts Receivable	Get a 7-Day Free Trial															1.40	1.40	1.35	1.36	1.38

CFSB Bancorp Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

CFSB Bancorp Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

CFSB Bancorp's Days Sales Outstanding for the quarter that ended in Mar. 2025 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	1.382	/	1.919	*	91
=	65.72

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), CFSB Bancorp's accounts receivable are only considered to be worth 75% of book value:

CFSB Bancorp's Net-Net Working Capital Per Share for the quarter that ended in Mar. 2025 is calculated as:

	Net-Net Working Capital Per Share
=	(Cash And Cash Equivalents	+	0.75 * Accounts Receivable	+	0.5 * Total Inventories	-	Total Liabilities
-	Preferred Stock	-	Minority Interest)	/	Shares Outstanding (EOP)
=	(28.347	+	0.75 * 1.382	+	0.5 * 0	-	290.485
-	0	-	0)	/	6.326
=	-41.27

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

CFSB Bancorp Accounts Receivable Related Terms

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CFSB Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » CFSB Bancorp Inc (NAS:CFSB) » Definitions » Accounts Receivable

Comparable Companies

Traded in Other Exchanges

N/A

Address

15 Beach Street, Quincy, MA, USA, 02170

Website

https://www.colonialfed.com

CFSB Bancorp Inc provides banking services. It offers a variety of financial services to individuals and small businesses through its offices in Quincy, Holbrook, and Weymouth. Its primary deposit products are savings, checking, and term certificate accounts, and its primary lending product is residential mortgage loans.The Company's loan portfolio includes residential real estate, commercial real estate, construction, and consumer loan segments. Residential real estate loans include classes for one- to four-family, multi-family, second mortgages and home equity lines of credit.

Executives

Paul N Baharian	director	15 BEACH STREET, QUINCY MA 02170
William R Esselystyn	officer: VP-Information Systems	15 BEACH STREET, QUINCY MA 02170
Susan Shea	officer: Treasurer and COO	15 BEACH STREET, QUINCY MA 02170
Michael E Mcfarland	director, officer: President and CEO	15 BEACH STREET, QUINCY MA 02170
Mary Kuropatkin	officer: VP-Retail Banking	15 BEACH STREET, QUINCY MA 02170
Kemal Denizkurt	officer: VP-Financial Markets	15 BEACH STREET, QUINCY MA 02170
Angela Blanchard	officer: VP-Retail Lending	15 BEACH STREET, QUINCY MA 02170
Beach, Mhc 15	10 percent owner	15 BEACH STREET, QUINCY MA 02170
Robert Guarnieri	director	15 BEACH STREET, QUINCY MA 02170
Edward J Keohane	director	15 BEACH STREET, QUINCY MA 02170
Tracy L Wilson	director	15 BEACH STREET, QUINCY MA 02170
O'leary James M Jr	director	15 BEACH STREET, QUINCY MA 02170
Stephen D Marini	director	15 BEACH STREET, QUINCY MA 02170