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CFSB Bancorp, Inc. · NASDAQ
Price: $14.25 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in CFSB → $204.5K in 10 years · $177.04/month
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 also 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. 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. operates as a subsidiary of 15 Beach, MHC.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold CFSB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 14.04% | 11.24% | $1,404 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 11.93% | 9.13% | $1,193 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 11.23% | 8.43% | $1,123 / yr |
| 🇬🇧 UK ISA | 0% | 14.04% | 11.24% | $1,404 / yr |
| 🇬🇧 UK Taxable | 8.75% | 12.81% | 10.01% | $1,281 / yr |
| 🇨🇦 TFSA | 0% | 14.04% | 11.24% | $1,404 / yr |
| 🇨🇦 CA Taxable | 25% | 10.53% | 7.73% | $1,053 / yr |
| 🇦🇺 Super (pension) | 15% | 11.93% | 9.13% | $1,193 / yr |
| 🇦🇺 AU Taxable | 30% | 9.83% | 7.03% | $983 / yr |
| 🇩🇪 DE Taxable | 26.375% | 10.34% | 7.54% | $1,034 / yr |
| 🇫🇷 FR Taxable | 30% | 9.83% | 7.03% | $983 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
CFSB pays quarterly — 4 times per year. Next ex-div: TBD.
How CFSB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CFSB sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| D-Return | 2025-10-31 | 9,301 | $14.25 | $132.5K | ||
| D-Return | 2025-10-31 | 14,000 | $7.99 | $111.9K | ||
| D-Return | 2025-10-31 | 19,000 | $14.25 | $270.8K | ||
| D-Return | 2025-10-31 | 14,000 | $9.09 | $127.3K | ||
| D-Return | 2025-10-31 | 2,500 | $14.25 | $35.6K | ||
| D-Return | 2025-10-31 | 48,000 | $7.99 | $383.5K | ||
| D-Return | 2025-10-31 | 64,000 | $7.99 | $511.4K | ||
| D-Return | 2025-10-31 | 5,000 | $14.25 | $71.3K | ||
| D-Return | 2025-10-31 | 12,540 | $14.25 | $178.7K | ||
| D-Return | 2025-10-31 | 14,000 | $7.99 | $111.9K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CFSB dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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