CFSB Bancorp Inc reported Q3 2024 revenue of $3.13 million, up 10.25% year over year and 1.79% quarter over quarter, signaling modest top-line growth within a constrained regional banking environment. Despite the revenue uptick, the quarter produced a net loss of $0.04 million and an operating loss of $0.082 million, with EPS of -$0.01. The negative profitability metrics reflect ongoing margin pressures and a near-term profitability hurdle, even as the company maintains liquidity and a solid tangible capital position. On the balance sheet, total assets stood at roughly $358.1 million, with total liabilities around $282.2 million and stockholders’ equity of $75.9 million, yielding a very conservative capital framework (debt ratio ~3.14%, debt-to-equity ~0.15). Cash and cash equivalents totaled $21.66 million at period end, and operating cash flow was modestly positive at $0.16 million, producing free cash flow of approximately $0.15 million for the quarter. The combination of stable liquidity and negative earnings suggests a path-to-profitability sensitivity to interest-rate developments, credit costs, and any restructuring of non-interest income streams. Management commentary (where available) and industry context imply a cautious outlook with a focus on balance sheet resilience and expense discipline to stabilize earnings over the near term.