Profitability
This table compares Wayne Savings Bancshares and CFSB Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Wayne Savings Bancshares | 17.74% | 16.26% | 1.03% |
| CFSB Bancorp | -0.36% | -0.06% | -0.01% |
Institutional & Insider Ownership
12.1% of Wayne Savings Bancshares shares are owned by institutional investors. Comparatively, 1.4% of CFSB Bancorp shares are owned by institutional investors. 3.2% of Wayne Savings Bancshares shares are owned by company insiders. Comparatively, 4.9% of CFSB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Risk & Volatility
Wayne Savings Bancshares has a beta of 0.28, suggesting that its stock price is 72% less volatile than the S&P 500. Comparatively, CFSB Bancorp has a beta of 0.09, suggesting that its stock price is 91% less volatile than the S&P 500.
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Wayne Savings Bancshares | $38.11 million | 1.40 | $7.83 million | $3.21 | 7.56 |
| CFSB Bancorp | $7.53 million | 6.91 | $30,000.00 | ($0.01) | -794.90 |
Wayne Savings Bancshares has higher revenue and earnings than CFSB Bancorp. CFSB Bancorp is trading at a lower price-to-earnings ratio than Wayne Savings Bancshares, indicating that it is currently the more affordable of the two stocks.
Summary
Wayne Savings Bancshares beats CFSB Bancorp on 9 of the 11 factors compared between the two stocks.
About Wayne Savings Bancshares
Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank that provides personal and business banking products and services to individuals, businesses, and other organizations. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit. In addition, the company offers retirement planning, investment advisory, insurance, and wealth management and trust services. Further, it provides overdraft protection, re-order check, remote deposit capture, merchant, sweep, online and mobile banking, and bill pay services, as well as debit, credit, and gift cards. The company was founded in 1899 and is based in Wooster, Ohio.
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.
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