CFSB Bancorp, Inc. (CFSB) Stock Analysis
DELISTED 2025
What happened to CFSB Bancorp, Inc. (CFSB) stock?
CFSB Bancorp, Inc. (CFSB) no longer trades on public markets. It was delisted in November 2025. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CFSB Bancorp, Inc. (CFSB). CFSB Bancorp, Inc. operates as the holding company for Colonial Federal Savings Bank, providing financial services to individuals and small businesses. Sector: Financial services.
Last analyzed: Mar 15, 2026CFSB: 2/2 scored disciplines lean bearish. Dominant signal: Izzy Englander bullish.
How is this calculated? →CFSB Bancorp, Inc. (CFSB) Financial Services Profile
CFSB Bancorp, Inc., through Colonial Federal Savings Bank, provides financial services in Norfolk County, Massachusetts, focusing on deposit accounts, real estate loans, and investment securities. Operating with three full-service branches and one limited-service branch, CFSB caters to individuals and small businesses within a competitive regional banking landscape.
What Is the Investment Thesis for CFSB?
CFSB Bancorp, Inc. presents a focused investment opportunity within the regional banking sector. The company's strategy centers on traditional banking activities, including deposit gathering and loan origination, within a limited geographic area. While the company has a negative P/E ratio of -335.80 and a negative profit margin of -1.9%, its gross margin stands at 55.6%. Potential catalysts include strategic expansion within Norfolk County and improved efficiency in operations. However, investors may want to evaluate the risks associated with a small market capitalization of $0.09 billion and the competitive pressures within the regional banking industry. The company's beta of 0.50 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
CFSB Key Highlights
Market capitalization of $0.09 billion indicates a small-cap company.
- Negative P/E ratio of -335.80 reflects recent losses and potential undervaluation.
- Gross margin of 55.6% suggests efficient core operations despite overall losses.
- Beta of 0.50 indicates lower volatility compared to the broader market, potentially offering stability.
- Dividend yield of 0% reflects a current lack of shareholder payouts, potentially limiting investor appeal.
Who Are CFSB's Competitors?
CFSB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AUBN Auburn National Bancorporation, Inc. | $26.14 | +0.06% | $91.3M | 68 |
| BSBK Bogota Financial Corp. | $9.43 | +1.94% | $121M | 86 |
| FDSB Fifth District Bancorp, Inc. | $17.93 | -2.82% | $94.4M | 71 |
| IROQ IF Bancorp, Inc. | $26.55 | +0.00% | $89.0M | 52 |
| LSBK Lake Shore Bancorp, Inc. | $17.24 | +0.00% | $136M | 88 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CFSB's Key Strengths?
Long-standing presence in Norfolk County.
- Strong local customer relationships.
- Conservative lending practices.
- Focus on traditional banking services.
What Are CFSB's Weaknesses?
Small market capitalization.
- Limited geographic reach.
- Negative profitability metrics.
- Dependence on local economy.
What Could Drive CFSB Stock Higher?
Potential acquisition opportunities within the regional banking sector could lead to expansion.
- Expansion of digital banking services to attract and retain tech-savvy customers.
- Strategic partnerships with local businesses to enhance customer acquisition.
What Are the Key Risks for CFSB?
Financial-distress signal — its Altman Z-Score of -0.43 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-0.1%) — the business is not currently generating profit on shareholder capital.
- Competition from larger regional banks with greater resources.
- Interest rate fluctuations impacting net interest margin.
- Economic downturn in Norfolk County affecting loan performance.
- Regulatory changes increasing compliance costs.
What Are the Growth Opportunities for CFSB?
- Expansion within Norfolk County: CFSB can pursue organic growth by expanding its presence within Norfolk County, Massachusetts. This could involve opening new branches or increasing its marketing efforts to attract new customers. The market size for banking services in Norfolk County is estimated to be substantial, offering significant potential for growth. Timeline: Ongoing.
- Enhanced Digital Banking Services: Investing in and expanding digital banking services can attract and retain tech-savvy customers. Offering user-friendly online and mobile banking platforms can improve customer experience and operational efficiency. The digital banking market is rapidly growing, and CFSB can capitalize on this trend. Timeline: Ongoing.
- Strategic Partnerships: Collaborating with local businesses and community organizations can create new opportunities for customer acquisition and brand awareness. Partnering with real estate agents, small business associations, and other relevant entities can provide access to new customer segments. Timeline: Ongoing.
- Product Diversification: Expanding its product offerings to include wealth management services, insurance products, or other financial services can generate new revenue streams and enhance customer relationships. Diversifying its product portfolio can reduce its reliance on traditional banking services. Timeline: Ongoing.
- Acquisition Opportunities: CFSB can explore potential acquisition opportunities within the regional banking sector. Acquiring smaller banks or credit unions can expand its market share and geographic reach. Consolidation within the regional banking industry is expected to continue, creating potential acquisition targets. Timeline: Upcoming.
What Are CFSB's Competitive Advantages?
- Established presence in Norfolk County, Massachusetts since 1889.
- Strong local customer relationships.
- Focus on traditional banking services.
- Conservative investment strategy.
What Does CFSB Do?
Founded in 1889 and based in Quincy, Massachusetts, CFSB Bancorp, Inc. operates as the holding company for Colonial Federal Savings Bank. The bank provides a range of financial services tailored to individuals and small businesses. Its core business revolves around accepting deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. These deposits form the foundation for its lending activities. CFSB offers various loan products, including 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. These loans cater to the diverse financial needs of its customer base within Norfolk County, Massachusetts. In addition to traditional banking services, CFSB invests in a portfolio of investment-grade securities and liquid assets. These investments include U.S. Treasury obligations, securities of 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 a network of three full-service banking offices and one limited-service branch office, all located in Norfolk County, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.
What Products and Services Does CFSB Offer?
- Accepts deposits from individuals and small businesses.
- Offers checking, savings, and money market accounts.
- Provides one- to four-family residential real estate loans.
- Offers multi-family and commercial real estate loans.
- Provides second mortgage loans and home equity lines of credit.
- Offers consumer loans.
- Invests in investment-grade securities and liquid assets.
How Does CFSB Make Money?
- Generates revenue from interest earned on loans.
- Earns fees from various banking services.
- Invests in securities to generate additional income.
- Manages deposits and provides lending services within Norfolk County, Massachusetts.
What Industry Does CFSB Operate In?
CFSB Bancorp, Inc. operates within the competitive regional banking sector. This sector is characterized by institutions that focus on specific geographic areas and customer segments. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Competitors include other regional banks and credit unions that offer similar financial services. CFSB's success depends on its ability to attract and retain customers, manage its loan portfolio effectively, and adapt to changing market dynamics. The regional banking sector is experiencing increased consolidation, with larger banks acquiring smaller institutions to expand their market share.
Who Are CFSB's Key Customers?
- Individuals residing in Norfolk County, Massachusetts.
- Small businesses operating in Norfolk County, Massachusetts.
- Real estate investors in the local market.
Company Profile
CFSB Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Quincy, US. The company is led by CEO Michael E. McFarland. CFSB has traded publicly since 2022.
Key Financial Metrics
Return on equity for CFSB Bancorp, Inc. stands at -0.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.0%, showing how much profit it generates from its asset base. Its free cash flow yield is 0.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.09 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -0.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
CFSB Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.43 places it in the distress zone, a signal of elevated financial risk.
CFSB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Long-standing presence in Norfolk County.
- Strong local customer relationships.
- Conservative lending practices.
- Focus on traditional banking services.
Bear Case
- Small market capitalization.
- Limited geographic reach.
- Negative profitability metrics.
- Dependence on local economy.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CFSB Latest News
No recent news available for CFSB.
Leadership: Michael E. McFarland
Unknown
Information on Michael E. McFarland's background is not available in the provided data. Without additional context, it is impossible to provide details on his career history, education, or previous roles.
Track Record: Information on Michael E. McFarland's track record is not available in the provided data. Without additional context, it is impossible to provide details on key achievements, strategic decisions, or company milestones under his leadership.
CFSB Financial Services Stock FAQ
What happened to CFSB Bancorp, Inc. (CFSB) stock?
CFSB Bancorp, Inc. (CFSB) no longer trades on public markets. It was delisted in November 2025. The figures below are historical and are not a current quote.
Can I still buy CFSB shares?
No. CFSB stopped trading on public markets in November 2025, so the shares are not available through a broker. Anything you see quoted for CFSB elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before CFSB stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to CFSB Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does CFSB Bancorp, Inc. do?
CFSB Bancorp, Inc. operates as the holding company for Colonial Federal Savings Bank, providing financial services to individuals and small businesses in Norfolk County, Massachusetts. The bank accepts deposits, offers various loan products, and invests in investment-grade securities. Its business model focuses on traditional banking activities within a limited geographic area, emphasizing local customer relationships and community involvement.
What are the main risks for CFSB?
CFSB Bancorp, Inc. faces several risks, including competition from larger regional banks, interest rate fluctuations, and economic conditions in Norfolk County, Massachusetts. The company's small size and limited geographic reach make it vulnerable to these factors. Regulatory changes and compliance costs also pose a risk. Effective risk management and strategic adaptation are crucial for mitigating these challenges and ensuring long-term sustainability.
How sensitive is CFSB to interest rate changes?
The sensitivity of CFSB Bancorp, Inc. to interest rate changes is a critical factor to consider. As a traditional bank, CFSB's net interest margin (NIM) is directly affected by fluctuations in interest rates. Rising interest rates can increase the cost of deposits while potentially boosting loan yields, impacting profitability. Conversely, declining rates can compress NIM.
What is CFSB Bancorp, Inc.'s credit quality and risk management approach?
Assessing CFSB Bancorp, Inc.'s loan portfolio quality, provision levels, and risk management frameworks is crucial for evaluating its financial health. The bank's exposure to various loan types, such as residential real estate and commercial loans, necessitates a robust credit risk assessment process.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending, limiting comprehensive insights.
- Limited financial data available for in-depth analysis.