Want to see CSBB full AI Analyst Report?
Top Page
CSB Bancorp
(OTC:CSBB)
Select Model
Select Model
Rating:70Outperform
Price Target:
$83.00
▲(12.34% Upside)
Action:Reiterated
Date:10/28/26
The score is driven primarily by solid financial performance (profitability and improved leverage) and supportive valuation (moderate P/E with a ~2.31% yield). This is partially offset by weaker near-term technical momentum (negative MACD and sub-50 RSI). Recent corporate actions (expanded buyback capacity and a dividend increase) provide an additional positive tailwind.
Positive Factors
Revenue and earnings growth
Sustained expansion in revenue and net income indicates that CSB Bancorp has increased the scale and earning power of its community banking franchise. Continued growth provides a stronger base for reinvestment, shareholder distributions, and resilience across the next several quarters.
Negative Factors
Profitability normalization
Although profitability remains healthy, lower margins and return on equity than the 2022–2023 peaks indicate that earlier earnings strength has not been fully maintained. Further normalization could limit earnings growth and reduce the efficiency of future capital deployment.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
Sustained expansion in revenue and net income indicates that CSB Bancorp has increased the scale and earning power of its community banking franchise. Continued growth provides a stronger base for reinvestment, shareholder distributions, and resilience across the next several quarters.
Read all positive factors
CSB Bancorp (CSBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$196.63M
Dividend Yield2.31%
Average Volume (3M)534.00
Price to Earnings (P/E)12.3
Beta (1Y)0.06
Revenue Growth11.74%
EPS Growth16.74%
CountryUS
Employees182
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.08
Shares Outstanding2,627,015
10 Day Avg. Volume397
30 Day Avg. Volume534
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 Cap1.10
Enterprise Value/Revenue3.10
Enterprise Value/Gross Profit4.31
Enterprise Value/Ebitda10.37
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 banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from interest and fees earned on loans (such as commercial, consumer, and real estate-...
CSB Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 69.77M | 64.32M | 57.95M | 52.08M | 40.80M | 36.14M |
| Gross Profit | 50.18M | 44.30M | 36.17M | 41.76M | 39.20M | 34.79M |
| EBITDA | 20.87M | 17.50M | 13.28M | 19.30M | 17.50M | 14.29M |
| Net Income | 16.04M | 13.36M | 10.01M | 14.76M | 13.31M | 10.84M |
Balance Sheet | ||||||
| Total Assets | 1.31B | 1.29B | 1.19B | 1.18B | 1.16B | 1.14B |
| Cash, Cash Equivalents and Short-Term Investments | 17.51M | 17.98M | 105.88M | 204.16M | 236.49M | 375.37M |
| Total Debt | 24.57M | 32.43M | 26.95M | 37.60M | 35.01M | 39.94M |
| Total Liabilities | 1.18B | 1.17B | 1.08B | 1.07B | 1.06B | 1.05B |
| Stockholders Equity | 134.56M | 126.28M | 114.83M | 107.94M | 95.92M | 97.31M |
Cash Flow | ||||||
| Free Cash Flow | 15.62M | 18.82M | 13.56M | 15.20M | 14.01M | 12.92M |
| Operating Cash Flow | 15.93M | 19.23M | 15.66M | 15.63M | 14.39M | 15.02M |
| Investing Cash Flow | -49.59M | -76.89M | -8.08M | -39.13M | -183.46M | -57.98M |
| Financing Cash Flow | 34.64M | 83.19M | 1.85M | 1.16M | 11.83M | 104.97M |
CSB Bancorp Technical Analysis
Negative
73.88
Price Trends
76.01
Negative
73.56
Positive
66.76
Positive
Market Momentum
-0.42
Positive
43.14
Neutral
66.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CSBB, the sentiment is Negative. The current price of 73.88 is below the 20-day moving average (MA) of 75.63, below the 50-day MA of 76.01, and above the 200-day MA of 66.76, indicating a neutral trend. The MACD of -0.42 indicates Positive momentum. The RSI at 43.14 is Neutral, neither overbought nor oversold. The STOCH value of 66.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $200.92M | 14.60 | 6.49% | ― | 34.21% | ― | |
70 Outperform | $196.63M | 12.34 | 12.27% | 2.31% | 11.74% | 16.74% | |
69 Neutral | $190.13M | 24.53 | 4.50% | 1.09% | -0.28% | -6.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $170.14M | 10.84 | 7.98% | 2.73% | 1.58% | 13.99% | |
53 Neutral | $161.59M | 8.72 | 9.18% | 0.41% | -2.49% | ― |
* Financial Sector Average
CSBB
CSB Bancorp
74.85
25.63
52.09%
EBMT
Eagle Bancorp Montana
21.36
5.58
35.35%
FGBI
First Guaranty Bancshares
9.77
3.25
49.78%
RBKB
Rhinebeck Bancorp
12.85
5.70
79.82%
FNWD
Finward Bancorp
43.90
9.19
26.49%
ECBK
ECB Bancorp, Inc.
21.33
5.30
33.06%
CSB Bancorp Corporate Events
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
CSB Bancorp Extends Rule 10b5-1 Share Repurchase Plan
Positive
Oct 28, 2026
On October 28, 2026, CSB Bancorp Inc. renewed and extended its previously adopted Rule 10b5-1 trading plan to repurchase shares of its common stock, with authorization to buy up to 7,500 shares per quarter through October 31, 2027. The renewed pla...
Business Operations and StrategyStock Buyback
CSB Bancorp Announces Flexible New Share Repurchase Program
Positive
Oct 28, 2026
CSB Bancorp Inc.’s board of directors has authorized a new share repurchase program covering up to 131,350 common shares, representing 5% of the company’s outstanding stock, to be executed periodically depending on market conditions an...
Business Operations and StrategyDividendsFinancial Disclosures
CSB Bancorp Raises Third-Quarter Dividend, Boosts Payout
Positive
Aug 26, 2026
On August 26, 2026, CSB Bancorp, Inc. announced that its board declared a third‑quarter cash dividend of $0.45 per share on common stock, payable September 22, 2026, to shareholders of record as of September 8, 2026. The payout represents a ...
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.