GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » CFSB Bancorp Inc (NAS:CFSB) » Definitions » Return-on-Tangible-Asset

CFSB (CFSB Bancorp) Return-on-Tangible-Asset : 0.00% (As of Mar. 2025)


View and export this data going back to 2022. Start your Free Trial

What is CFSB Bancorp Return-on-Tangible-Asset?

Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. CFSB Bancorp's annualized Net Income for the quarter that ended in Mar. 2025 was $0.02 Mil. CFSB Bancorp's average total tangible assets for the quarter that ended in Mar. 2025 was $364.48 Mil. Therefore, CFSB Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2025 was 0.00%.

The historical rank and industry rank for CFSB Bancorp's Return-on-Tangible-Asset or its related term are showing as below:

During the past 5 years, CFSB Bancorp's highest Return-on-Tangible-Asset was 0.52%. The lowest was 0.01%. And the median was 0.40%.

CFSB's Return-on-Tangible-Asset is not ranked *
in the Banks industry.
Industry Median: 0.89
* Ranked among companies with meaningful Return-on-Tangible-Asset only.

CFSB Bancorp Return-on-Tangible-Asset Historical Data

The historical data trend for CFSB Bancorp's Return-on-Tangible-Asset 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.

* Premium members only.

CFSB Bancorp Return-on-Tangible-Asset Chart

CFSB Bancorp Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24
Return-on-Tangible-Asset
0.52 0.41 0.13 0.40 0.01

CFSB Bancorp Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Return-on-Tangible-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.04 0.18 -0.01 -0.18 -

Competitive Comparison of CFSB Bancorp's Return-on-Tangible-Asset

For the Banks - Regional subindustry, CFSB Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


CFSB Bancorp's Return-on-Tangible-Asset Distribution in the Banks Industry

For the Banks industry and Financial Services sector, CFSB Bancorp's Return-on-Tangible-Asset distribution charts can be found below:

* The bar in red indicates where CFSB Bancorp's Return-on-Tangible-Asset falls into.


;
;

CFSB Bancorp Return-on-Tangible-Asset Calculation

CFSB Bancorp's annualized Return-on-Tangible-Asset for the fiscal year that ended in Jun. 2024 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(A: Jun. 2024 )  (A: Jun. 2023 )(A: Jun. 2024 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(A: Jun. 2024 )  (A: Jun. 2023 )(A: Jun. 2024 )
=0.033/( (349.007+363.439)/ 2 )
=0.033/356.223
=0.01 %

CFSB Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2025 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=0.016/( (362.758+366.2)/ 2 )
=0.016/364.479
=0.00 %

* 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.

In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is four times the quarterly (Mar. 2025) net income data.


CFSB Bancorp  (NAS:CFSB) Return-on-Tangible-Asset Explanation

Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.


Be Aware

Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the company’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a company’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.


CFSB Bancorp Return-on-Tangible-Asset Related Terms

Thank you for viewing the detailed overview of CFSB Bancorp's Return-on-Tangible-Asset provided by GuruFocus.com. Please click on the following links to see related term pages.


CFSB Bancorp Business Description

Traded in Other Exchanges
N/A
Address
15 Beach Street, Quincy, MA, USA, 02170
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