CFSB Bancorp (NASDAQ:CFSB – Get Free Report) and Laurentian Bank of Canada (OTCMKTS:LRCDF – Get Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, dividends, profitability, institutional ownership, risk, analyst recommendations and earnings.
Insider & Institutional Ownership
1.1% of CFSB Bancorp shares are owned by institutional investors. Comparatively, 34.7% of Laurentian Bank of Canada shares are owned by institutional investors. 2.3% of CFSB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares CFSB Bancorp and Laurentian Bank of Canada’s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CFSB Bancorp | $11.34 million | 4.16 | $1.45 million | $0.23 | 30.96 |
| Laurentian Bank of Canada | N/A | N/A | N/A | $4.50 | 6.45 |
Analyst Recommendations
This is a summary of recent ratings for CFSB Bancorp and Laurentian Bank of Canada, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CFSB Bancorp | 0 | 0 | 0 | 0 | N/A |
| Laurentian Bank of Canada | 1 | 1 | 1 | 0 | 2.00 |
Laurentian Bank of Canada has a consensus target price of $40.00, suggesting a potential upside of 37.88%. Given Laurentian Bank of Canada’s higher probable upside, analysts clearly believe Laurentian Bank of Canada is more favorable than CFSB Bancorp.
Profitability
This table compares CFSB Bancorp and Laurentian Bank of Canada’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| CFSB Bancorp | 12.75% | 1.92% | 0.41% |
| Laurentian Bank of Canada | N/A | N/A | N/A |
Summary
CFSB Bancorp beats Laurentian Bank of Canada on 6 of the 10 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 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. 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. operates as a subsidiary of 15 Beach, MHC.
About Laurentian Bank of Canada
Laurentian Bank of Canada, together with its subsidiaries, provides various financial services to personal, business, and institutional customers in Canada and the United States. It operates through three segments: Personal Banking, Commercial Banking, and Capital Markets. The Personal Banking segment offers financial services, such as financial advisory services to financial intermediaries; and operates digital direct-to-customer platform to retail clients. The Commercial Banking segment provides financial services, including commercial banking, real estate financing, and equipment and inventory financing to business clients. The Capital Markets segment offers a range of services, such as research, market analysis, and advisory services; corporate underwriting services for debt and equity; and administrative services. The company was founded in 1846 and is headquartered in Montreal, Canada.
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