Event-Driven Stocks

CFSB Bancorp, Inc. /MA/

CFSB

Financials · Savings Institution, Federally Chartered · MA · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21
Revenue—————
Operating income—————
Net income−$265,000$33,000$1.4M$442,000$1.4M
Total assets$366.6M$363.4M$349.0M$366.2M$338.9M
Total liabilities$290.9M$287.4M$273.1M$291.9M$290.2M
Equity$75.7M$76.0M$75.9M$74.3M$48.6M
EPS (diluted)$-0.04$0.01$0.23$0.08—
Shares out.6.5M6.6M6.6M6.5M0

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
—
Return on equity
−0.3%
Return on assets
−0.1%
Return on capital (ROCE)
—
Liabilities / assets
79.3%
Debt / equity
3.84×
Book value / share
$11.56
Revenue growth (YoY)
—
Net income growth (YoY)
−903.0%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−0.2%clean
Piotroski F-Score
3/6weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
37
/ 100
Profitability 0Growth 0Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 warning● 2 good
  • High leverage (liabilities > 70% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Insider transactions

SEC Form 4 · most recent
0 acquisitions2 disposalsnet −22,000 shares · last 2
InsiderDateTypeSharesPrice
Guarnieri RobertDirectorOct 31, 2025D16,000—
Esselystyn William ROfficer — VP-Information SystemsOct 31, 2025D6,000—

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
Oct 31, 202515,6731.0-5.7%
Oct 15, 202516,6184.6-1.9%
Sep 30, 202516,9393.2+265.4%
Sep 15, 20254,6361.5-41.3%
Aug 29, 20257,9033.7-9.4%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)