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CSB Bancorp
(OTC:CSBB)
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Rating:76Outperform
Price Target:
$82.00
▲(12.34% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by steady financial performance (solid profitability and improving leverage, despite margin/return compression) and a constructive technical uptrend. A low P/E and decent dividend yield further support the rating, while corporate events add a smaller positive contribution.
Positive Factors
Consistent free cash flow
Free cash flow tracking near net income and recovering in the TTM indicates high earnings quality and internal funding capacity. That durable cash generation supports dividend payments, loan growth or capital buffers without heavy reliance on volatile external funding, improving financial resilience.
Negative Factors
Margin and return compression
Margins and returns have normalized from 2022–2023 highs, with TTM net margin in the low-20% range, implying less operational leverage. Sustained compression would lower the bank's ability to generate incremental earnings from new assets and could require higher volumes or cost cuts to restore prior ROE levels.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent free cash flow
Free cash flow tracking near net income and recovering in the TTM indicates high earnings quality and internal funding capacity. That durable cash generation supports dividend payments, loan growth or capital buffers without heavy reliance on volatile external funding, improving financial resilience.
Read all positive factors
CSB Bancorp (CSBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$189.93M
Dividend Yield2.32%
Average Volume (3M)576.00
Price to Earnings (P/E)31.7
Beta (1Y)0.05
Revenue Growth11.60%
EPS Growth19.54%
CountryUS
Employees182
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.76
Shares Outstanding2,627,015
10 Day Avg. Volume283
30 Day Avg. Volume576
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)1.13
Price to Sales (P/S)2.22
P/FCF Ratio7.57
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
CSB Bancorp Business Overview & Revenue Model
Company Description
CSB Bancorp, Inc. serves as the holding company for The Commercial and Savings Bank of Millersburg, providing a comprehensive range of banking, trust, financial advisory, and brokerage services. These offerings are extended to corporate entities, ...
How the Company Makes Money
CSB Bancorp primarily makes money through its bank subsidiary by earning net interest income and generating noninterest income. Net interest income is the spread between (1) interest and fees earned on interest-earning assets—primarily loans to co...
CSB Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 67.66M | 64.32M | 57.95M | 52.08M | 40.80M | 36.14M |
| Gross Profit | 48.31M | 44.30M | 36.17M | 41.76M | 39.20M | 34.79M |
| EBITDA | 19.82M | 17.50M | 13.28M | 19.30M | 17.50M | 14.29M |
| Net Income | 15.20M | 13.36M | 10.01M | 14.76M | 13.31M | 10.84M |
Balance Sheet | ||||||
| Total Assets | 1.29B | 1.29B | 1.19B | 1.18B | 1.16B | 1.14B |
| Cash, Cash Equivalents and Short-Term Investments | 24.34M | 17.98M | 105.88M | 204.16M | 236.49M | 375.37M |
| Total Debt | 22.71M | 32.43M | 26.95M | 37.60M | 35.01M | 39.94M |
| Total Liabilities | 1.16B | 1.17B | 1.08B | 1.07B | 1.06B | 1.05B |
| Stockholders Equity | 132.63M | 126.28M | 114.83M | 107.94M | 95.92M | 97.31M |
Cash Flow | ||||||
| Free Cash Flow | 14.93M | 18.82M | 13.56M | 15.20M | 14.01M | 12.92M |
| Operating Cash Flow | 15.36M | 19.23M | 15.66M | 15.63M | 14.39M | 15.02M |
| Investing Cash Flow | -68.99M | -76.89M | -8.08M | -39.13M | -183.46M | -57.98M |
| Financing Cash Flow | 13.81M | 83.19M | 1.85M | 1.16M | 11.83M | 104.97M |
CSB Bancorp Technical Analysis
Neutral
72.99
Price Trends
69.29
Positive
65.71
Positive
59.14
Positive
Market Momentum
1.38
Positive
65.62
Neutral
84.55
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CSBB, the sentiment is Neutral. The current price of 72.99 is above the 20-day moving average (MA) of 72.73, above the 50-day MA of 69.29, and above the 200-day MA of 59.14, indicating a neutral trend. The MACD of 1.38 indicates Positive momentum. The RSI at 65.62 is Neutral, neither overbought nor oversold. The STOCH value of 84.55 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CSBB.
CSB Bancorp Risk Analysis
CSB Bancorp disclosed 25 risk factors in its most recent earnings report. CSB Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
CSB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $189.93M | 31.71 | 11.30% | 2.30% | 11.60% | 19.54% | |
72 Outperform | $192.65M | 19.41 | 5.68% | 1.08% | 0.36% | 84.94% | |
70 Outperform | $186.63M | 11.37 | 11.24% | 2.48% | 1.98% | 27.47% | |
69 Neutral | $187.66M | 13.04 | 7.20% | ― | 34.21% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | $158.61M | -3.72 | -20.17% | 0.84% | -8.44% | -155.96% |
* Financial Sector Average
CSBB
CSB Bancorp
72.30
28.94
66.75%
EBMT
Eagle Bancorp Montana
23.43
8.00
51.82%
FGBI
First Guaranty Bancshares
9.59
1.49
18.47%
RBKB
Rhinebeck Bancorp
12.00
2.98
33.02%
FNWD
Finward Bancorp
44.46
17.29
63.66%
ECBK
ECB Bancorp, Inc.
20.55
4.96
31.82%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.