CSB Bancorp (CSBB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

CSB Bancorp

OTC Markets OTCID•Financial Services•Banks - Regional

$78.60+3.10(0.04%)Market closed

CSB Bancorp, Inc. operates as the bank holding company for The Commercial and Savings Bank of Millersburg that provides various banking, trust, financial, and brokerage services to corporate, institutional, and individual customers in Northeast Ohio. Its deposit products include checking and savings accounts, time deposits, safe deposit facilities, night depository facilities, and IRAs; and loan portfolio comprises personal, commercial, real estate mortgage, installment, consumer, and residential and commercial real estate loans. CSB Bancorp, Inc. was founded in 1879 and is based in Millersburg, Ohio.

How this company scores

GoodMetricSide Score: 79.5/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability23/25

Growth21.5/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.7x5y range 6.8x – 10.7x

Currently near its 5-quarter median.

P/S · 2.2x5y range 1.8x – 3.1x

Currently near its 5-quarter median.

P/B · 1.1x5y range 0.9x – 1.2x

Price & Volume

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $67.87M
Q. Revenue: $17.38M
TTM EBITDA: $19.82M
TTM Op. Income: $18.88M
Q. Op. Income: $5.90M
TTM Net Income: $15.20M
Q. Net Income: $4.74M
EPS: $1.8
Shares Out.: $0

$67.87M in TTM revenue grew 11.6% YoY, reaching $17.38M last quarter. TTM EBITDA of $19.82M and TTM operating income of $18.88M show growth is flowing through to the bottom line. TTM net income of $15.20M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 79.6%
EBITDA Margin: 34.0%
Op. Margin: 34.0%
Net Margin: 27.3%

Op. margin of 34.0% is up 4.5% YoY — cost efficiency is improving. Net margin at 27.3% and gross margin of 79.6% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: N/A
P/B Ratio: N/A

P/S of 0.0x and P/B of 0.0x. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.29B
Cash: $81.53M
Long-Term Debt: N/A
Book Value: $132.63M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.34M
TTM Free Cash Flow: $21.01M
FCF Margin: 31.0%
FCF / Net Income: 1.4

TTM FCF of $21.01M on $6.34M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.