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CFSB (CFSB Bancorp) Return-on-Tangible-Equity : 0.02% (As of Mar. 2025)


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

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity 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 shareholder tangible equity for the quarter that ended in Mar. 2025 was $75.69 Mil. Therefore, CFSB Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 was 0.02%.

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

CFSB' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -0.01   Med: 1.93   Max: 3.65
Current: -0.01

During the past 5 years, CFSB Bancorp's highest Return-on-Tangible-Equity was 3.65%. The lowest was -0.01%. And the median was 1.93%.

CFSB's Return-on-Tangible-Equity is ranked worse than
94.63% of 1583 companies
in the Banks industry
Industry Median: 10.32 vs CFSB: -0.01

CFSB Bancorp Return-on-Tangible-Equity Historical Data

The historical data trend for CFSB Bancorp's Return-on-Tangible-Equity 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-Equity Chart

CFSB Bancorp Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24
Return-on-Tangible-Equity
3.65 2.90 0.72 1.93 0.04

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-Equity 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 -0.21 0.84 -0.03 -0.85 0.02

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

For the Banks - Regional subindustry, CFSB Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity Distribution in the Banks Industry

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

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


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CFSB Bancorp Return-on-Tangible-Equity Calculation

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

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Jun. 2024 )  (A: Jun. 2023 )(A: Jun. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Jun. 2024 )  (A: Jun. 2023 )(A: Jun. 2024 )
=0.033/( (75.889+76.05 )/ 2 )
=0.033/75.9695
=0.04 %

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

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=0.016/( (75.671+75.715)/ 2 )
=0.016/75.693
=0.02 %

* 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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. Return-on-Tangible-Equity is displayed in the 10-year financial page.


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

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


CFSB Bancorp Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of CFSB Bancorp's Return-on-Tangible-Equity 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