CFSB Bancorp
Financial ratios & Valuation

Historical Multiples (2020 – 2024)

2020 2021 2022 2023 2024 TTM Median
Valuation Ratios
Price/Earnings ratio
38.5347.69122.6634.671.25K66.0494.35
Price/Sales ratio
7.998.246.095.325.514.995.70
Price/Book Value ratio
1.401.360.730.660.540.630.69
Price/Cash Flow ratio
29.3132.9428.7724.42102.3116.9626.60
Price/Free Cash Flow ratio
41.2836.8430.9128.83124.1317.7429.87
Price/Earnings Growth ratio
N/A-2.48-1.900.16-12.810.12-2.19
Dividend Yield
N/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%N/A100%
Operating Profit Margin
24.09%20.35%15.84%18.55%N/AN/A17.19%
Pretax Profit Margin
24.09%20.35%4.38%18.55%-0.08%8.09%6.24%
Net Profit Margin
20.75%17.29%4.96%15.35%0.44%7.56%6.26%
Effective Tax Rate
13.89%15.01%-13.33%17.22%650%6.59%-3.36%
Return on Assets
0.51%0.41%0.12%0.41%0.00%0.20%0.16%
Return On Equity
3.64%2.86%0.59%1.90%0.04%0.96%0.78%
Return on Capital Employed
0.60%0.48%0.49%0.50%N/AN/A0.49%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/A
Quick Ratio
185.7795.750.824.51N/AN/A2.67
Cash ratio
89.7945.370.391.86N/AN/A1.13
Days of Sales Outstanding
N/AN/A51.8852.8368.0649.8352.36
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.010.00N/A0.01N/A0.780.39
Debt Equity Ratio
0.070.01N/A0.04N/A3.741.87
Long-term Debt to Capitalization
0.06N/AN/AN/AN/A0.01N/A
Total Debt to Capitalization
0.070.01N/A0.04N/AN/A0.02
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.602.19N/A0.55N/AN/A0.27
Company Equity Multiplier
7.046.964.934.594.774.744.83
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.270.250.210.210.050.290.23
Free Cash Flow / Operating Cash Flow Ratio
0.700.890.930.840.820.950.91
Cash Flow Coverage Ratio
0.602.19N/A0.55N/AN/A0.27
Short Term Coverage Ratio
5.302.19N/A0.55N/AN/A0.27
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/A