Finward Bancorp (NASDAQ:FNWD) and CFSB Bancorp (NASDAQ:CFSB) Head-To-Head Analysis

CFSB Bancorp (NASDAQ:CFSB) and Finward Bancorp (NASDAQ:FNWD) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Volatility and Risk

CFSB Bancorp has a beta of 0.1, meaning that its stock price is 90% less volatile than the S&P 500. Comparatively, Finward Bancorp has a beta of 0.53, meaning that its stock price is 47% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
CFSB Bancorp	-0.75%	-0.13%	-0.03%
Finward Bancorp	10.44%	7.73%	0.55%

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CFSB Bancorp	$7.34 million	6.12	$30,000.00	($0.01)	-678.00
Finward Bancorp	$70.21 million	1.91	$8.38 million	$2.69	11.58

Finward Bancorp has higher revenue and earnings than CFSB Bancorp. CFSB Bancorp is trading at a lower price-to-earnings ratio than Finward Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

1.4% of CFSB Bancorp shares are held by institutional investors. Comparatively, 26.6% of Finward Bancorp shares are held by institutional investors. 4.9% of CFSB Bancorp shares are held by company insiders. Comparatively, 13.7% of Finward Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current recommendations and price targets for CFSB Bancorp and Finward Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CFSB Bancorp	0	0	0	0	0.00
Finward Bancorp	0	0	1	0	3.00

Finward Bancorp has a consensus price target of $31.00, indicating a potential downside of 0.48%. Given Finward Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Finward Bancorp is more favorable than CFSB Bancorp.

Summary

Finward Bancorp beats CFSB Bancorp on 13 of the 14 factors compared between the two stocks.

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.

About Finward Bancorp

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company’s deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan products portfolio comprises residential mortgage loans that enable borrowers to purchase existing homes, refinance existing homes, or construct new homes; construction loans primarily to individuals and contractors; commercial real estate loans; consumer loans to individuals for personal, household, or family purposes; home equity line of credit; home improvement loans and equity loans; commercial business loans; government loans; and loans to municipalities. The company also offers estate and retirement planning, custodial services, guardianships, IRA accounts, and investment agency accounts, as well as serves as the personal representative of estates, and acts as trustee for revocable and irrevocable trusts. In addition, it provides insurance and annuity investments to wealth management customers; holds real estate properties; and operates as a real estate investment trust. The company was formerly known as NorthWest Indiana Bancorp and changed its name to Finward Bancorp in May 2021. Finward Bancorp was founded in 1916 and is headquartered in Munster, Indiana.