CSB Bancorp (CSBB) AI Stock Analysis

• Market Cap: $116.11M
• Dividend Yield: 3.47%
• Average Volume (3M): 1.17K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.04
• Revenue Growth: 8.19%
• EPS Growth: 10.10%
• Country: US
• Employees: 173
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 1.41
• Shares Outstanding: 2,638,956
• 10 Day Avg. Volume: 2,565
• 30 Day Avg. Volume: 1,170
• PEG Ratio: 1.51
• Price to Book (P/B): 0.98
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.47
• Enterprise Value/Market Cap: 0.46
• Enterprise Value/Revenue: 0.30
• Enterprise Value/Gross Profit: 1.16
• Enterprise Value/Ebitda: 0.86
• 1Y Price Target: $49.00
• Price Target Upside: 11.36% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 80 Outperform
• Price Target: $49.00 ▲(11.36%Upside)

CSB Bancorp's strong financial performance and attractive valuation are the main contributors to its high score. The technical indicators further support a positive outlook. The recent dividend increase underscores the company's commitment to shareholder value.

CSB Bancorp Business Overview & Revenue Model

Company Description

CSB Bancorp, Inc. (CSBB) is a financial holding company headquartered in Millersburg, Ohio. It operates through its wholly-owned subsidiary, The Commercial and Savings Bank, providing a range of banking and financial services. The bank serves individuals and businesses in its regional market area with a variety of products, including personal and business banking, loans, mortgages, and investment services. CSB Bancorp is committed to delivering personalized service and community-focused banking solutions.

How the Company Makes Money

CSB Bancorp generates revenue primarily through interest income from its core banking operations. The company earns interest on loans and mortgages it provides to consumers and businesses, which constitutes a significant portion of its income. Additionally, CSB Bancorp earns income from fees and service charges related to deposit accounts, transaction processing, and other banking services. The bank also benefits from interest earned on its investment securities portfolio. Non-interest income, such as fees from wealth management and investment advisory services, also contributes to its overall earnings. CSB Bancorp's financial performance is influenced by factors like interest rate fluctuations, economic conditions, and its ability to manage asset quality and operational efficiency.

CSB Bancorp Financial Statement Overview

Summary

CSB Bancorp shows strong revenue growth and cash generation capabilities, though profitability margins face slight pressure. The balance sheet reflects effective leverage management, supporting long-term stability.

Income Statement

CSB Bancorp demonstrates strong revenue growth, with a TTM revenue of $50.7M, up from $42.2M in 2023. The gross profit margin remains robust at approximately 90.4%, though the EBIT margin has experienced a decline to 26.0%. Net profit margin has slightly decreased to 21.1% from previous periods. Overall, the income statement reflects a healthy revenue trajectory but with some pressure on profitability margins.

Balance Sheet

The balance sheet shows a stable financial position with a debt-to-equity ratio of 0.22, indicating prudent leverage management. The equity ratio stands at 9.7%, suggesting a moderate reliance on equity for financing. Return on equity is solid at 9.0%, although slightly lower than in previous years, reflecting consistent profitability.

Cash Flow

CSB Bancorp's cash flow performance is commendable, with a free cash flow of $17.8M in the TTM period, showing growth. The operating cash flow to net income ratio is 1.69, indicating strong cash generation relative to reported earnings. The free cash flow to net income ratio is also positive, reflecting the company's ability to convert profits into cash effectively.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	43.20M	42.20M	38.30M	34.13M	34.47M
Gross Profit	43.20M	42.44M	39.20M	34.13M	34.47M
EBITDA	13.28M	19.30M	16.54M	13.40M	13.95M
Net Income	10.01M	14.76M	13.31M	10.84M	10.57M
Balance Sheet
Total Assets	1.19B	1.18B	1.16B	1.14B	1.03B
Cash, Cash Equivalents and Short-Term Investments	105.88M	204.16M	236.49M	375.37M	372.09M
Total Debt	26.95M	37.60M	35.01M	39.94M	41.88M
Total Liabilities	1.08B	1.07B	1.06B	1.05B	937.77M
Stockholders Equity	114.83M	107.94M	95.92M	97.31M	93.86M
Cash Flow
Free Cash Flow	13.56M	15.20M	14.01M	12.92M	12.03M
Operating Cash Flow	15.66M	15.63M	14.39M	15.02M	14.17M
Investing Cash Flow	-8.08M	-39.13M	-183.46M	-57.98M	-136.11M
Financing Cash Flow	1.85M	1.16M	11.83M	104.97M	201.58M

CSB Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 44.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CSBB, the sentiment is Positive. The current price of 44 is above the 20-day moving average (MA) of 43.89, above the 50-day MA of 42.87, and above the 200-day MA of 39.71, indicating a bullish trend. The MACD of 0.36 indicates Positive momentum. The RSI at 60.60 is Neutral, neither overbought nor oversold. The STOCH value of 50.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CSBB.

CSB Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CSBB	80 Outperform	$116.11M	9.10	11.04%	3.47%	8.19%	10.10%
SBFG	74 Outperform	$129.20M	10.83	9.24%	2.94%	9.89%	2.74%
AFBI	68 Neutral	$119.06M	20.90	5.67%	―	6.51%	28.94%
Sector *	68 Neutral	$17.10B	11.19	9.70%	3.58%	11.11%	-4.55%
MNSB	64 Neutral	$164.10M	14.43	-4.04%	1.88%	4.00%	-172.13%
RBKB	58 Neutral	$142.17M	―	-4.65%	―	-17.56%	-233.71%
SRBK	57 Neutral	$118.60M	728.79	-0.05%	0.69%	―	―

CSB Bancorp Corporate Events

CSB Bancorp Announces Increased Second Quarter Dividend

On May 28, 2025, CSB Bancorp, Inc. announced a second quarter cash dividend of $0.41 per share, marking a $0.01 increase from the previous quarter. This decision reflects the company’s ongoing commitment to delivering shareholder value and may positively impact its market positioning and stakeholder confidence.