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Private company

CFSB Bancorp, Inc. /MA/

CFSB Bancorp, Inc. /MA/ is an American savings institution company, incorporated in Massachusetts.1 It is headquartered in Quincy, Massachusetts.1

Last updated Oct 21, 2026.

Overview

-$265.0KNet income, fiscal 20252
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersQuincy, Massachusetts1
  • Incorporated inMA3
  • Business address15 Beach Street, Quincy, Ma 021703
  • Filer category, Emerging growth company3

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

-0.3%Return on equity2
$461.0KFree cash flow2

Financial statements

Net income4562-$265.0K in 2025
-$500.0K0$500.0K$1.0M$1.5M2021: $1.4M$1.4M20212022: $442.0K$442.0K2022−68%2023: $1.4M$1.4M2023+227%2024: $33.0K$33.0K2024−98%2025: -$265.0K-$265.0K2025
Fiscal year202020212022202320242025
Interest$2.1M4$1.0M5$1.9M5
Income before tax$390.0K5$1.7M6-$6.0K2-$293.0K2
Income tax$246.0K4-$52.0K5$301.0K6-$39.0K2-$28.0K2
Net income$1.4M4$442.0K5$1.4M6$33.0K2-$265.0K2
Earnings per share$0.085$0.236$0.012-$0.042
Earnings per share (diluted)$0.085$0.236$0.012-$0.042
Shares (weighted, basic)5.9M shares56.3M shares66.3M shares26.3M shares2
Shares (weighted, diluted)5.9M shares56.3M shares66.3M shares26.3M shares2

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Corporate structure

CFSB Bancorp, Inc. /MA/ sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CFSB Bancorp, Inc. /MA/

  • Beach Mhc 15 Filed SC 13D on CFSB Bancorp, Inc. /MA/, latest Jan 12, 2022
  • CFSB Bancorp, Inc. /MA/ Quincy, Massachusetts

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CFSB Bancorp, Inc. /MA/ reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$5.2M2 Jun 30, 2025$5.2M2 Jun 30, 2024+0.1%
Accumulated depreciation$2.1M2 Jun 30, 2025$1.9M2 Jun 30, 2024+11.7%
Property and equipment, net$3.0M2 Jun 30, 2025$3.2M2 Jun 30, 2024−6.7%
Operating-lease assets (leased space)$764.0K2 Jun 30, 2025$860.0K2 Jun 30, 2024−11.2%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$24.7M2 Jun 30, 2025$27.0M2 Jun 30, 2024−8.5%
Debt securities available for sale$91.0K2 Jun 30, 2025$113.0K2 Jun 30, 2024−19.5%
Debt securities held to maturity$146.0M2 Jun 30, 2025$147.1M2 Jun 30, 2024−0.8%
Deposits held (banks)$274.2M2 Jun 30, 2025$270.8M2 Jun 30, 2024+1.2%

Properties, in its own words

We conduct our operations from our main office in Quincy, Massachusetts and two additional branch offices in Holbrook and Weymouth, Massachusetts. We also maintain a limited branch office located within, and only available to residents of, a senior citizen housing facility in Quincy, Massachusetts. All of our branch offices are located in Norfolk County, Massachusetts. As of June 30, 2025, the net book value of our real properties, including land, buildings and building improvements, was $3.0 million.

Item 2 of the 10-K filed Sep 18, 2025.10

Leadership

Who has led CFSB Bancorp, Inc. /MA/, and when. Pick a name to see everywhere that person has worked.

Chief operating officer

  1. Susan Shea2022–now
2025
Board members and other officers (9)

Timeline

  1. Nov 3, 20258-K Completed an acquisition or sale; Listing notice or transfer; Change to shareholders' rights21
  2. Oct 22, 20258-K Other events22
  3. Sep 18, 20258-K Shareholder vote23
  4. Sep 5, 20258-K Other events24
  5. May 21, 20258-K Entered a material agreement; Other events25
  6. Apr 29, 20258-K Results of operations26
  7. Jan 29, 20258-K Results of operations27
  8. Nov 22, 20248-K Shareholder vote; Regulation FD disclosure28
  9. Oct 29, 20248-K Results of operations29
  10. Jul 30, 20248-K Results of operations30
  11. Apr 29, 20248-K Results of operations31
  12. Apr 5, 20248-K Other events32

Calendar

When it reported results

  1. Apr 29, 2025Reported quarterly or annual results26
  2. Jan 29, 2025Reported quarterly or annual results27
  3. Oct 29, 2024Reported quarterly or annual results29
  4. Jul 30, 2024Reported quarterly or annual results30
  5. Apr 29, 2024Reported quarterly or annual results31
  6. Jan 26, 2024Reported quarterly or annual results33
  7. Oct 30, 2023Reported quarterly or annual results34
  8. Jul 25, 2023Reported quarterly or annual results35

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

115 filings to the SEC since October 2021: 4 annual reports, 12 quarterly reports, 26 major events, 43 insider forms, 1 large holders, 29 other. The latest 20:

  1. Nov 13, 202515-12G CFSB BANCORP, INC. FORM 15-12B EDGAR
  2. Nov 3, 20258-K EDGAR
  3. Oct 31, 20254 EDGAR
  4. Oct 31, 20254 EDGAR
  5. Oct 31, 20254 EDGAR
  6. Oct 31, 20254 EDGAR
  7. Oct 31, 20254 EDGAR
  8. Oct 31, 20254 EDGAR
  9. Oct 31, 20254 EDGAR
  10. Oct 31, 20254 EDGAR
  11. Oct 31, 20254 EDGAR
  12. Oct 31, 20254 EDGAR
  13. Oct 31, 20254 EDGAR
  14. Oct 31, 20254 EDGAR
  15. Oct 31, 2025S-8 POS POST-EFFECTIVE AMENDMENT NO.1 TO FORM S-8 REGISTRATION STATEMENT CFSB BANCORP, I EDGAR
  16. Oct 31, 2025S-8 POS POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 REGISTRATION STATEMENT CFSB BANCORP, EDGAR
  17. Oct 22, 20258-K EDGAR
  18. Sep 18, 202510-K EDGAR
  19. Sep 18, 20258-K EDGAR
  20. Sep 5, 2025DEFA14A EDGAR

The 115 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

6 open-market trades by officers, directors and large owners since October 2021: 6 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Mar 18, 2024Baharian Paul NDirectorBuy1,000$7.56$7.6KForm 4
Oct 25, 2022Baharian Paul NDirectorBuy1,000$8.93$8.9KForm 4
May 18, 2022Baharian Paul NDirectorBuy257$9.68$2.5KForm 4
May 18, 2022Baharian Paul NDirectorBuy257$9.68$2.5KForm 4
May 12, 2022Baharian Paul NDirectorBuy1,743$9.20$16.0KForm 4
Jan 14, 2022Baharian Paul NDirectorBuy5,000$10.28$51.4KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

  • Beach Mhc 15SC 13D, 1 filing Jan 12, 202236

SEC filer profile

How CFSB Bancorp, Inc. /MA/ is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCFSB Bancorp, Inc. /MA/1
  • CIK0001879103
  • Employer ID (EIN)87-439653410
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company10
  • Incorporated inUnited States of America10
  • Fiscal year endsJune 301
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address15 Beach Street, Quincy, MA 021701
  • Phone(617) 471-07501
  • Shares outstanding6,548,575 shares as of Sep 18, 202510
  • Public float$17.4M as of Dec 31, 202410
  • AuditorWolf & Company, P.C, Boston, Massachusetts PCAOB ID 392; no auditor attestation of internal control over financial reporting10
  • On EDGAR sinceSep 9, 20211
  • Filings117 in all: 4 (29), 8-K (26), 3 (13), 10-Q (12), 10-K (4), 11-K (3), CORRESP (3), DEF 14A (3)1
    All 26 form types

    424B3 (2), DEFA14A (2), EFFECT (2), S-1/A (2), S-8 (2), S-8 POS (2), 15-12G (1), 25-NSE (1), 4/A (1), 8-A12B (1), ARS (1), CERT (1), DEFM14A (1), POS AM (1), PREM14A (1), S-1 (1), SC 13D (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Sep 18, 2025
    Quarterly report (10-Q) May 14, 2025
    Proxy statement (DEF 14A) Oct 15, 2024
    Latest 8-K (8-K) Nov 3, 2025

Securities registered for trading

ClassSymbolExchange
Stock, Par Value $0.01 Common Per ShareCFSBThe Nasdaq Stock Market, LLC

From the cover page of the 10-K filed Sep 18, 2025 (Section 12(b) of the Exchange Act).10

Risk factors and legal proceedings

The risks CFSB Bancorp, Inc. /MA/ names in Item 1A of its 10-K filed Sep 18, 2025: 43 risks under these headings, as written.10

  • Risks Related to the Merger
  • CFSB Bancorp will be subject to business uncertainties and contractual restrictions while the merger is pending.
  • CFSB Bancorp has incurred and expects to continue to incur significant costs related to the merger.
  • The merger agreement limits CFSB Bancorp’s ability to pursue alternatives to the merger and could discourage a potential acquirer that might be willing to pay more to acquire or merge with CFSB Bancorp.
  • Regulatory approvals may not be received, may take longer to receive than expected or may impose burdensome conditions that are not presently anticipated.
  • If the merger is not completed by March 31, 2026, either Hometown Financial or CFSB Bancorp may choose not to proceed with the merger.
  • Failure to complete the merger could negatively impact the future business and financial results of CFSB Bancorp.
  • Stockholder litigation could prevent or delay the completion of the merger or otherwise negatively impact the business and operations of Hometown Financial and CFSB Bancorp.
  • Risks Related to our Lending Activities
  • Almost all of our loans are secured by real estate, and a downturn in the local real estate market could negatively impact our profitability.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings could decrease.
  • We intend to increase the origination of multi-family and commercial real estate loans. These loans involve credit risks that could adversely affect our financial condition and results of operations.
The other 33 risks
  • Our non-owner-occupied one- to four-family residential real estate loans may expose us to increased credit risk.
  • Risks Related to Economic Conditions
  • Inflation can have an adverse impact on our business and on our customers.
  • We have a high concentration of loans secured by real estate in our market area. Adverse economic conditions, both generally and in our market area, could adversely affect our financial condition and results of operations.
  • Risks Related to our Business Strategy
  • Our business strategy includes loan growth, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively. Growing our operations could also cause our expenses to increase faster than our revenues.
  • A significant percentage of our assets is invested in securities, which have a lower yield than our loan portfolio.
  • We depend on our management team and other key personnel to implement our business strategy and execute successful operations and we could be harmed by the loss of their services or the inability to hire additional personnel.
  • Risks Related to Our Securities Portfolio
  • Our investments in corporate and municipal debt securities obligations expose us to additional credit risks, which could adversely affect our financial condition and results of operations.
  • Changes in the valuation of our securities portfolio may reduce our profits and our capital levels.
  • Risks Related to Market Interest Rates
  • Future changes in interest rates could negatively affect our operating results and asset values.
  • Any substantial, unexpected, prolonged change in market interest rates could have a material adverse effect on our financial condition, liquidity, and results of operations. Changes in the level of interest rates also may negatively affect the value of our assets and ultimately affect our earnings.
  • Risks Related to Our Funding
  • Our inability to generate core deposits may cause us to rely more heavily on wholesale funding strategies for funding and liquidity needs, which could have an adverse effect on our net interest margin and profitability.
  • Risks Related to Competitive Matters
  • Strong competition within our market areas may limit our growth and profitability.
  • Our asset size may make it more difficult for us to compete.
  • Risks Related to Laws and Regulations
  • Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.
  • Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
  • The Federal Reserve Board may require us to commit capital resources to support the Bank, and we may not have sufficient access to such capital resources.
  • Changes to trade policies and tariffs can have an adverse impact on our business and our customers.
  • Monetary policies and regulations of the Federal Reserve Board could adversely affect our business, financial condition, and results of operations.
  • We are an emerging growth company, and any decision on our part to comply only with certain reduced reporting and disclosure requirements applicable to emerging growth companies could make our common stock less attractive to investors.
  • We qualify as a smaller reporting company, and any decision on our part to comply only with certain reduced reporting and disclosure requirements applicable to smaller reporting companies could make our common stock less attractive to investors.
  • Risks Related to Operational Matters
  • We face significant operational risks because of our reliance on technology. Our information technology systems may be subject to failure, interruption, or security breaches.
  • We rely on third-party vendors, which could expose us to additional cybersecurity risks.
  • We may be subject to risks and losses resulting from fraudulent activities that could adversely impact our financial performance and results of operations.
  • The cost of additional finance and accounting systems, procedures, and controls to satisfy our public company reporting requirements will increase our expenses.
  • Risks Related to Accounting Matters
  • Changes in accounting standards could affect reported earnings.
  • If management’s estimates and assumptions are incorrect, it may have a material impact on our consolidated financial statements and our financial condition or operating results.
  • Other Risks Related to Our Business
  • Legal and regulatory proceedings and related matters could adversely affect us.
  • Societal responses to climate change could adversely affect our business and performance, including indirectly through impacts on our customers.
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business, and failure to do so may materially adversely affect our performance.
  • Risks Related to the Ownership of Stock
  • Our public stockholders own a minority of CFSB Bancorp’s common stock and cannot exercise voting control over most matters put to a vote of stockholders.
  • Our common stock is not heavily traded, and the stock price may fluctuate significantly.
  • Federal Reserve Board regulations and policy effectively prohibit 15 Beach, MHC from waiving the receipt of dividends, which will likely preclude us from paying any dividends on our common stock.
  • Various factors may make takeover attempts more difficult to achieve.

Legal proceedings

From time to time, we may be involved in legal proceedings arising in the ordinary course of our business. We are not presently a party to any legal proceedings that, in the opinion of management, would have a material adverse

effect on our business. Regardless of outcome, litigation can have an adverse impact on us due to defense and settlement costs, diversion of management resources, negative publicity and reputational harm, and other factors.

The opening of Item 3, Legal Proceedings.10

Sources

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    SEC EDGAROther events
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    SEC EDGAROther events
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