CSB Bancorp Inc (CSBB)
OTHER OTC:CSBB
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CSB Bancorp
(OTC:CSBB)
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Rating:74Outperform
Price Target:
$65.00
▲(20.10% Upside)
Action:ReiteratedDate:03/17/26
The score is driven primarily by solid financial performance (revenue growth, improved 2025 margins, and a healthier leverage profile), supported by a favorable technical backdrop (price above key moving averages and positive MACD). Valuation further strengthens the outlook with a low P/E and ~2.88% dividend yield, while cash flow volatility and cooled ROE versus 2022–2023 cap the upside.
Positive Factors
Consistent revenue growth
Sustained top-line growth into 2025 (≈11% y/y) indicates repeatable demand for lending and deposit services in its community markets. Durable revenue expansion supports loan growth capacity, underwriting investment, and incremental fee income over the next several quarters.
Negative Factors
Volatile free cash flow
Despite positive operating cash flow in 2025, the steep decline in free cash flow growth signals uneven cash conversion. Persistent FCF volatility constrains capacity for sustained capital deployment, increases reliance on caution in dividend or growth decisions, and raises forecast uncertainty.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth
Sustained top-line growth into 2025 (≈11% y/y) indicates repeatable demand for lending and deposit services in its community markets. Durable revenue expansion supports loan growth capacity, underwriting investment, and incremental fee income over the next several quarters.
Read all positive factors
CSB Bancorp (CSBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$162.87M
Dividend Yield3%
Average Volume (3M)576.00
Price to Earnings (P/E)10.7
Beta (1Y)0.06
Revenue Growth8.07%
EPS Growth22.37%
CountryUS
Employees173
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.71
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 Cap1.09
Enterprise Value/Revenue2.79
Enterprise Value/Gross Profit4.01
Enterprise Value/Ebitda10.73
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. operates as the bank holding company for The Commercial and Savings Bank of Millersburg that provides a various banking, trust, financial, and brokerage services to corporate, institutional, and individual customers in Northeast ...
How the Company Makes Money
CSB Bancorp primarily makes money through its banking subsidiary by earning interest and fees. The largest driver is net interest income: the bank collects interest on loans (such as residential mortgages, commercial real estate loans, commercial/...
CSB Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
60
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 64.32M | 57.95M | 52.08M | 40.80M | 36.14M |
| Gross Profit | 44.30M | 36.17M | 41.76M | 39.20M | 34.79M |
| EBITDA | 17.50M | 13.28M | 19.30M | 17.50M | 14.29M |
| Net Income | 13.36M | 10.01M | 14.76M | 13.31M | 10.84M |
Balance Sheet | |||||
| Total Assets | 1.29B | 1.19B | 1.18B | 1.16B | 1.14B |
| Cash, Cash Equivalents and Short-Term Investments | 17.73M | 105.88M | 204.16M | 236.49M | 375.37M |
| Total Debt | 32.43M | 26.95M | 37.60M | 35.01M | 39.94M |
| Total Liabilities | 1.17B | 1.08B | 1.07B | 1.06B | 1.05B |
| Stockholders Equity | 126.28M | 114.83M | 107.94M | 95.92M | 97.31M |
Cash Flow | |||||
| Free Cash Flow | 18.82M | 13.56M | 15.20M | 14.01M | 12.92M |
| Operating Cash Flow | 19.23M | 15.66M | 15.63M | 14.39M | 15.02M |
| Investing Cash Flow | -76.89M | -8.08M | -39.13M | -183.46M | -57.98M |
| Financing Cash Flow | 83.19M | 1.85M | 1.16M | 11.83M | 104.97M |
CSB Bancorp Technical Analysis
Positive
54.12
Price Trends
58.73
Positive
55.28
Positive
50.59
Positive
Market Momentum
1.41
Negative
65.36
Neutral
62.20
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 54.12 is below the 20-day moving average (MA) of 60.93, below the 50-day MA of 58.73, and above the 200-day MA of 50.59, indicating a bullish trend. The MACD of 1.41 indicates Negative momentum. The RSI at 65.36 is Neutral, neither overbought nor oversold. The STOCH value of 62.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $162.87M | 10.67 | 10.88% | 3.00% | 8.07% | 22.37% | |
70 Outperform | $174.60M | 10.47 | 8.06% | 2.93% | 6.10% | 59.32% | |
68 Neutral | $173.46M | 12.98 | 7.66% | ― | 22.30% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $151.57M | 18.95 | 5.01% | 0.97% | -7.20% | -29.17% | |
47 Neutral | $154.46M | -1.34 | -23.30% | 0.84% | 1.33% | -593.24% |
* Financial Sector Average
CSBB
CSB Bancorp
62.00
22.09
55.34%
EBMT
Eagle Bancorp Montana
21.92
6.63
43.32%
FGBI
First Guaranty Bancshares
9.78
2.19
28.92%
RBKB
Rhinebeck Bancorp
15.57
5.58
55.86%
FNWD
Finward Bancorp
35.00
6.45
22.60%
ECBK
ECB Bancorp, Inc.
18.67
3.92
26.58%
CSB Bancorp Corporate Events
Dividends
CSB Bancorp Raises Quarterly Dividend, Signaling Ongoing Confidence
Positive
Feb 25, 2026
On February 25, 2026, CSB Bancorp, Inc. announced that its Board of Directors declared a first-quarter cash dividend of $0.43 per share on its common stock, payable on March 24, 2026, to shareholders of record as of March 10, 2026. The payout repr...
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.