Citystate Savings Bank, Inc. (PSE:CSB)

Citystate Savings Bank Statistics

Total Valuation

PSE:CSB has a market cap or net worth of PHP 2.79 billion.

Market Cap	2.79B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, November 14, 2025.

Earnings Date	Nov 14, 2025
Ex-Dividend Date	n/a

Share Statistics

PSE:CSB has 164.87 million shares outstanding.

Current Share Class	164.87M
Shares Outstanding	164.87M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	13.06%
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 19.19.

PE Ratio	19.19
Forward PE	n/a
PS Ratio	4.63
PB Ratio	2.06
P/TBV Ratio	2.19
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.49
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.92%.

Return on Equity (ROE)	11.92%
Return on Assets (ROA)	1.99%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.78M
Profits Per Employee	426,036
Employee Count	340
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:CSB has paid 19.97 million in taxes.

Income Tax	19.97M
Effective Tax Rate	12.12%

Stock Price Statistics

The stock price has increased by +112.25% in the last 52 weeks. The beta is 0.47, so PSE:CSB's price volatility has been lower than the market average.

Beta (5Y)	0.47
52-Week Price Change	+112.25%
50-Day Moving Average	14.90
200-Day Moving Average	12.80
Relative Strength Index (RSI)	59.85
Average Volume (20 Days)	882,010

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSE:CSB had revenue of PHP 603.54 million and earned 144.85 million in profits. Earnings per share was 0.88.

Revenue	603.54M
Gross Profit	600.64M
Operating Income	169.28M
Pretax Income	164.83M
Net Income	144.85M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.88

Balance Sheet

The company has 641.07 million in cash and 99.39 million in debt, giving a net cash position of 541.68 million or 3.29 per share.

Cash & Cash Equivalents	641.07M
Total Debt	99.39M
Net Cash	541.68M
Net Cash Per Share	3.29
Equity (Book Value)	1.36B
Book Value Per Share	8.24
Working Capital	-4.45B

Cash Flow

In the last 12 months, operating cash flow was -169.51 million and capital expenditures -31.46 million, giving a free cash flow of -200.98 million.

Operating Cash Flow	-169.51M
Capital Expenditures	-31.46M
Free Cash Flow	-200.98M
FCF Per Share	-1.22

Margins

Gross Margin	n/a
Operating Margin	28.05%
Pretax Margin	27.31%
Profit Margin	24.00%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

PSE:CSB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	5.19%
FCF Yield	-7.20%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 21, 2006. It was a forward split with a ratio of 1.1.

Last Split Date	Nov 21, 2006
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2