Comparing CFSB Bancorp (NASDAQ:CFSB) and First Bank (NASDAQ:FRBA)

First Bank (NASDAQ:FRBA) and CFSB Bancorp (NASDAQ:CFSB) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, earnings, analyst recommendations, risk, profitability, dividends and valuation.

Volatility and Risk

First Bank has a beta of 0.8, meaning that its share price is 20% less volatile than the S&P 500. Comparatively, CFSB Bancorp has a beta of 0.5, meaning that its share price is 50% less volatile than the S&P 500.

Valuation and Earnings

This table compares First Bank and CFSB Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Bank	$229.43 million	N/A	$42.24 million	$1.51	10.86
CFSB Bancorp	$12.34 million	7.55	$30,000.00	N/A	N/A

First Bank has higher revenue and earnings than CFSB Bancorp.

Insider & Institutional Ownership

64.9% of First Bank shares are owned by institutional investors. Comparatively, 1.4% of CFSB Bancorp shares are owned by institutional investors. 4.9% of CFSB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares First Bank and CFSB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Bank	16.13%	9.44%	1.01%
CFSB Bancorp	-0.03%	-0.01%	N/A

Analyst Recommendations

This is a breakdown of recent ratings for First Bank and CFSB Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Bank	0	0	3	0	3.00
CFSB Bancorp	0	0	0	0	0.00

First Bank presently has a consensus target price of $17.83, indicating a potential upside of 8.74%. Given First Bank’s stronger consensus rating and higher possible upside, analysts clearly believe First Bank is more favorable than CFSB Bancorp.

Summary

First Bank beats CFSB Bancorp on 10 of the 11 factors compared between the two stocks.

About First Bank

First Bank provides various banking products and services to small to mid-sized businesses and individuals. The company accepts various deposits, including non-interest-bearing demand deposits, interest bearing demand accounts, money market accounts, savings accounts, and certificates of deposit, as well as commercial checking accounts. It also offers various loan products comprising commercial and industrial loans, which include line of credit, inventory, equipment, and short-term working capital financing; commercial real estate loans, such as owner-occupied, investor, construction and development, and multi-family loans; residential real estate loans comprising residential mortgages, first and second lien home equity loans, and revolving lines of credit; and consumer and other loans consists of auto, personal, traditional installment, and other loans. The company also provides electronic banking services, including Internet and mobile banking, electronic bill payment, and banking by phone; ATM and debit cards, and wire and ACH transfer services; remote deposit capture; and cash management services, as well as engages in the capital markets activities. It operates full-service branches in Cinnaminson, Delanco, Denville, Ewing, Fairfield, Flemington, Hamilton, Lawrence, Monroe, Pennington, Randolph, Somerset, and Williamstown, New Jersey; Doylestown, Trevose, Warminster, and West Chester, Paoli, Malvern, Coventry, Devon, Lionville, and Glen Mills Pennsylvania; and Palm Beach, Florida. First Bank was incorporated in 2007 and is headquartered in Hamilton, New Jersey.

About CFSB Bancorp

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company offers 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. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various 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. Further, it offers online and mobile banking, and online bill pay services. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. is a subsidiary of 15 Beach, MHC.