A Business at a Glance
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CSB Bancorp, Inc.
CSBB
$192M
Mkt Cap
$72.99
-0.56%
CSB Bancorp, Inc. (CSBB) has a current P/E ratio of 19.4, compared to its historical median P/E of 7.6. The stock is currently considered Expensive based on its historical valuation range.
CSB Bancorp, Inc. (CSBB) has a 5-year average return on invested capital (ROIC) of 11.9%. This indicates solid capital allocation.
CSB Bancorp, Inc. (CSBB) has a market capitalization of $192M. It is classified as a small-cap stock.
Yes, CSB Bancorp, Inc. (CSBB) pays a dividend with a trailing twelve-month yield of 2.25%. The company also returns capital through share buybacks, with a buyback yield of 0.52%.
Based on historical P/E analysis, CSB Bancorp, Inc. (CSBB) appears expensive. The current P/E of 19.4 is 157% above its historical median of 7.6. The estimated fair value CAGR (P/E method) is 2.5%.
CSB Bancorp, Inc. (CSBB) operates in the State Commercial Banks industry, within the Financials sector.
CSB Bancorp, Inc. (CSBB) reported annual revenue of $64 million in its most recent fiscal year, based on SEC EDGAR filings.
CSB Bancorp, Inc. operates in the State Commercial Banks industry, Financials sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 64M | 64M | 59M | 53M | 42M | 37M |
| Net Income | 13M | 13M | 10M | 15M | 13M | 11M |
| EPS | $5.07 | $5.07 | $3.76 | $5.51 | $4.91 | $3.97 |
| Free Cash Flow | 19M | 19M | 14M | 15M | 14M | 13M |
| ROIC | 47.5% | 11.0% | 8.9% | 14.3% | 13.8% | 11.3% |
| Gross Margin | 69.3% | 69.3% | 63.5% | 81.2% | 91.8% | 92.8% |
| Debt/Equity | 0.01 | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 |
| Dividends/Share | $1.64 | $1.64 | $1.58 | $1.50 | $1.30 | $1.22 |
| Operating Income | 17M | 17M | 12M | 18M | 17M | 13M |
| Operating Margin | 25.7% | 25.7% | 21.0% | 34.8% | 39.8% | 36.4% |
| ROE | 10.6% | 11.1% | 9.0% | 14.5% | 13.8% | 11.3% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 26M | 26M | 28M | 31M | 34M | 38M | 38M | 37M | 42M | 53M | 59M | 64M | 64M |
| Gross Margin | 90.8% | 92.6% | 93.0% | 89.8% | 87.8% | 86.3% | 88.0% | 92.8% | 91.8% | 81.2% | 63.5% | 69.3% | 69.3% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 8.3M | 8.8M | 9.4M | 10M | 11M | 12M | 12M | 13M | 13M | 14M | 14M | 16M | 16M |
| EBIT | 8.5M | 8.7M | 9.7M | 10M | 12M | 13M | 13M | 13M | 17M | 18M | 12M | 17M | 17M |
| Op. Margin | 32.6% | 32.8% | 34.8% | 33.6% | 33.9% | 34.1% | 34.5% | 36.4% | 39.8% | 34.8% | 21.0% | 25.7% | 25.7% |
| Net Income | 5.9M | 6.0M | 6.7M | 7.1M | 9.4M | 10M | 11M | 11M | 13M | 15M | 10M | 13M | 13M |
| Net Margin | 22.7% | 22.8% | 24.1% | 23.1% | 27.4% | 27.5% | 27.8% | 29.4% | 32.1% | 28.0% | 17.1% | 20.8% | 20.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 22K | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 10.6% | 10.1% | 10.6% | 10.4% | 12.7% | 12.8% | 11.8% | 11.3% | 13.8% | 14.3% | 8.9% | 11.0% | 47.5% |
| ROE | 10.7% | 10.1% | 10.6% | 10.4% | 12.8% | 12.9% | 11.8% | 11.3% | 13.8% | 14.5% | 9.0% | 11.1% | 10.6% |
| ROA | 1.0% | 0.9% | 1.0% | 1.0% | 1.3% | 1.3% | 1.1% | 1.0% | 1.2% | 1.3% | 0.8% | 1.1% | 1.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 7.2M | 7.7M | 7.0M | 9.0M | 12M | 12M | 14M | 15M | 14M | 16M | 16M | 19M | 19M |
| Free Cash Flow | 6.7M | 7.1M | 5.5M | 7.6M | 11M | 9.2M | 12M | 13M | 14M | 15M | 14M | 19M | 19M |
| Owner Earnings | 6.2M | 6.8M | 6.1M | 8.1M | 11M | 11M | 13M | 14M | 13M | 15M | 15M | 19M | 19M |
| CapEx | 427K | 611K | 1.4M | 1.3M | 1.3M | 2.7M | 2.0M | 2.0M | 366K | 424K | 2.0M | 412K | 412K |
| Maint. CapEx | 928K | 916K | 905K | 865K | 799K | 745K | 853K | 890K | 960K | 921K | 941K | 941K | 941K |
| Growth CapEx | 0 | 0 | 513K | 460K | 516K | 1.9M | 1.1M | 1.1M | 0 | 0 | 1.0M | 0 | 0 |
| D&A | 928K | 916K | 905K | 865K | 799K | 745K | 853K | 890K | 960K | 921K | 941K | 941K | 941K |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13.2% | 2.5% | 2.7% | 12.5% | N/A | 2.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 2.0M | 2.1M | 2.1M | 2.3M | 2.7M | 3.0M | 3.1M | 3.3M | 3.5M | 4.0M | 4.2M | 4.3M | 4.3M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3.8% | 3.9% | 4.4% | 4.4% | N/A | 2.2% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 939K | 388K | 1.4M | 762K | 999K | 999K |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.1% | 0.4% | 1.5% | 0.8% | 0.0% | 0.5% |
| Stock-Based Comp | 0 | 0 | 0 | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -115M | -166M | -140M | -133M | -131M | -214M | -372M | -375M | -236M | -202M | -197M | -230M | -98M |
| Cash & Equiv. | 15M | 38M | 37M | 36M | 46M | 102M | 182M | 244M | 86M | 64M | 74M | 99M | 99M |
| Long-Term Debt | 486K | 415K | 394K | 495K | 181K | 136K | 101K | 75K | 55K | 1.8M | 1.3M | 917K | 917K |
| Debt/Equity | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.01 | 0.01 | 0.01 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.2 |
| Equity | 57M | 61M | 65M | 71M | 77M | 85M | 94M | 97M | 96M | 108M | 115M | 126M | 126M |
| Total Assets | 621M | 650M | 670M | 707M | 732M | 819M | 1.0B | 1.1B | 1.2B | 1.2B | 1.2B | 1.3B | 1.3B |
| Total Liabilities | 564M | 589M | 605M | 637M | 655M | 733M | 938M | 1.0B | 1.1B | 1.1B | 1.1B | 1.2B | 1.2B |
| Intangibles | 629K | 504K | 383K | 267K | 167K | 104K | 44K | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 34M | 38M | 43M | 48M | 54M | 62M | 69M | 77M | 87M | 97M | 103M | 112M | 112M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 2.15 | 2.20 | 2.46 | 2.59 | 3.43 | 3.80 | 3.85 | 3.97 | 4.91 | 5.51 | 3.76 | 5.07 | 5.07 |
| Owner EPS | 2.28 | 2.47 | 2.21 | 2.95 | 4.19 | 4.07 | 4.85 | 5.18 | 4.95 | 5.49 | 5.53 | 7.04 | 7.04 |
| Book Value | 20.99 | 22.38 | 23.88 | 25.73 | 27.89 | 31.19 | 34.19 | 35.65 | 35.38 | 40.31 | 43.13 | 47.91 | 47.91 |
| Cash Flow/Share | 2.62 | 2.80 | 2.54 | 3.27 | 4.48 | 4.34 | 5.16 | 5.50 | 5.31 | 5.83 | 5.88 | 7.40 | 5.43 |
| Dividends/Share | 0.74 | 0.76 | 0.78 | 0.84 | 0.98 | 1.08 | 1.13 | 1.22 | 1.30 | 1.50 | 1.58 | 1.64 | 1.64 |
| Shares Out. | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.7M | 2.6M | 2.6M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8.2 | 7.0 | 6.3 | 9.9 | N/A | 14.4 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6.8 | 6.6 | 6.1 | 7.2 | N/A | 10.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6.0 | 5.0 | 3.4 | 3.8 | N/A | 5.7 |
| Price/Book | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.9 | 1.0 | 0.9 | 0.9 | N/A | 1.5 |
| Price/Sales | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.5 | 2.3 | 2.1 | 2.2 | N/A | 3.0 |
| FCF Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14.7% | 15.1% | 16.4% | 13.8% | N/A | 9.9% |
| Market Cap | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 88M | 93M | 93M | 99M | 0 | 192M |
| Avg. Price | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32.18 | 33.42 | 34.23 | 36.03 | 0.00 | 72.99 |
| Year-End Price | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32.40 | 34.17 | 34.63 | 37.23 | 0.00 | 72.99 |
CSB Bancorp, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
CSB Bancorp, Inc. trades at 19.4x trailing earnings, compared to its 15-year median P/E of 7.6x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 14.2x vs a median of 6.7x. The company's 5-year average ROIC is 11.9% with a gross margin of 79.7%. Total shareholder yield (dividends + buybacks) is 2.8%. At current prices, the estimated annualized return to fair value is +3.2%.
CSB Bancorp, Inc. (CSBB) has a net profit margin of 20.8%. This is a strong margin indicating high profitability.
CSB Bancorp, Inc. (CSBB) generated $19 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CSB Bancorp, Inc. (CSBB) has a debt-to-equity ratio of 0.01. This indicates a conservatively financed balance sheet.
CSB Bancorp, Inc. (CSBB) reported earnings per share (EPS) of $5.07 in its most recent fiscal year.
CSB Bancorp, Inc. (CSBB) has a return on equity (ROE) of 11.1%. This indicates moderate shareholder returns.
CSB Bancorp, Inc. (CSBB) has a 5-year average gross margin of 79.7%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for CSB Bancorp, Inc. (CSBB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CSB Bancorp, Inc. (CSBB) has a book value per share of $47.91, based on its most recent annual SEC filing.