CSB Bancorp Valuation

CSBB Stock  USD 44.50  0.50  1.14%   
At this time, the firm appears to be undervalued. CSB Bancorp owns a latest Real Value of $52.96 per share. The recent price of the firm is $44.5. Our model approximates the value of CSB Bancorp from inspecting the firm fundamentals such as shares outstanding of 2.71 M, and Return On Asset of 0.0116 as well as reviewing its technical indicators and probability of bankruptcy.
Undervalued
Today
44.50
Please note that CSB Bancorp's price fluctuation is very steady at this time. Calculation of the real value of CSB Bancorp is based on 3 months time horizon. Increasing CSB Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since CSB Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of CSB Pink Sheet. However, CSB Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  44.5 Real  52.96 Hype  44.5 Naive  44.99
The real value of CSB Pink Sheet, also known as its intrinsic value, is the underlying worth of CSB Bancorp Company, which is reflected in its stock price. It is based on CSB Bancorp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of CSB Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
52.95
Real Value
53.76
Upside
Estimating the potential upside or downside of CSB Bancorp helps investors to forecast how CSB pink sheet's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of CSB Bancorp more accurately as focusing exclusively on CSB Bancorp's fundamentals will not take into account other important factors:
Bollinger
Band Projection (param)
LowerMiddle BandUpper
43.3043.7744.25
Details
Hype
Prediction
LowEstimatedHigh
43.7044.5045.30
Details
Naive
Forecast
LowNext ValueHigh
44.2044.9945.79
Details

CSB Bancorp Total Value Analysis

CSB Bancorp is currently forecasted to have valuation of (163.25 M) with market capitalization of 102.35 M, debt of 2.46 M, and cash on hands of 107.52 M. The negative valuation of CSB Bancorp may imply that the market is not capable to price the future growth of the company or it is pricing it at zero value. It may also suggest that takeover valuation may not have captured all of the outstanding financial obligations of the company both on and off balance sheet. Investors should vigilantly validate all of the CSB Bancorp fundamentals.
  Takeover PriceMarket CapDebt ObligationsCash
(163.25 M)
102.35 M
2.46 M
107.52 M

CSB Bancorp Investor Information

The company has price-to-book (P/B) ratio of 1.11. Some equities with similar Price to Book (P/B) outperform the market in the long run. CSB Bancorp last dividend was issued on the 6th of March 2023. The entity had 2:1 split on the 1st of May 1998. Based on the analysis of CSB Bancorp's profitability, liquidity, and operating efficiency, CSB Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in August.

CSB Bancorp Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. CSB Bancorp has an asset utilization ratio of 3.3 percent. This suggests that the Company is making $0.033 for each dollar of assets. An increasing asset utilization means that CSB Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.

CSB Bancorp Ownership Allocation

The market capitalization of CSB Bancorp is $102.35 Million. CSB Bancorp owns 5.49 % of its outstanding shares held by insiders and 2.58 % owned by institutions. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company in the future.

CSB Bancorp Profitability Analysis

The company reported the previous year's revenue of 38.3 M. Net Income was 13.31 M with profit before overhead, payroll, taxes, and interest of 39.93 M.
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates CSB Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in CSB Bancorp and how it compares across the competition.

About CSB Bancorp Valuation

The pink sheet valuation mechanism determines CSB Bancorp's current worth on a weekly basis. Our valuation model uses a comparative analysis of CSB Bancorp. We calculate exposure to CSB Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of CSB Bancorp's related companies.
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 Ohio. The company was founded in 1879 and is based in Millersburg, Ohio. C S operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 172 people.

8 Steps to conduct CSB Bancorp's Valuation Analysis

Company's valuation is the process of determining the worth of any company in monetary terms. It estimates CSB Bancorp's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct CSB Bancorp's valuation analysis, follow these 8 steps:
  • Gather financial information: Obtain CSB Bancorp's financial statements, including balance sheets, income statements, and cash flow statements.
  • Determine CSB Bancorp's revenue streams: Identify CSB Bancorp's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
  • Analyze market data: Research CSB Bancorp's industry and market trends, including the size of the market, growth rate, and competition.
  • Establish CSB Bancorp's growth potential: Evaluate CSB Bancorp's management, business model, and growth potential.
  • Determine CSB Bancorp's financial performance: Analyze its financial statements to assess its historical performance and future potential.
  • Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
  • Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate CSB Bancorp's estimated value.
  • Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Note: This is a general outline, and different approaches and methods may be used depending on the type and size of the company being valued. We also recomment to seek professional assistance to ensure accuracy.

CSB Bancorp Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding2.7 M
Quarterly Earnings Growth Y O Y0.635
Retained Earnings86.5 M

Complementary Tools for CSB Pink Sheet analysis

When running CSB Bancorp's price analysis, check to measure CSB Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CSB Bancorp is operating at the current time. Most of CSB Bancorp's value examination focuses on studying past and present price action to predict the probability of CSB Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CSB Bancorp's price. Additionally, you may evaluate how the addition of CSB Bancorp to your portfolios can decrease your overall portfolio volatility.
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