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COMPANY SUMMARY
CSB Financial Inc. focuses on operating as the bank holding company for Community Savings Bank that provides various financial services in Ohio. It offers various deposit accounts, including demand accounts, savings accounts, money market accounts, NOW accounts, and certificates of deposit. The company’s loan portfolio consists primarily of residential mortgage loans secured by one- to four-family residential properties, as well as consumer loans, commercial real estate loans, multi-family mortgage loans, commercial and industrial loans, construction and land loans, and second mortgage and home equity loans. In addition, it invests in securities primarily municipal securities, the U.S. government agency securities, mortgage backed securities, and collateralized mortgage obligations, as well as offers online and mobile banking services. The company was founded in 1889 and is based in Bethel, Ohio.
Financial Summary
| Share Statistics | CSBA | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $19.1 | $750.0 | 9% |
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| Shares Out (Mil) | 1.4 | 15.3 | 6% |
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| Institutional Ownership | na | 83.5% | na |
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| Float (Mil) | na | 21.7 | na |
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| Beta | na | 0.44 | na |
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| Avg Daily Volume (000s) | 3 | 45 | 12% |
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| Price Change (52-week) |
na | 94.5% | na |
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| Growth | CSBA | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | na | 7.7% | na |
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| Net Income (5yr) | na | 11.1% | na |
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| EPS (5yr) | na | 10.1% | na |
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| Dividends (5yr) | na | 3.6% | 0% |
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| Cash Flow (5yr) | na | (17.1%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CSBA | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $4 | $195 | 5% |
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| Net Income (TTM) (Mil) | $1 | $56 | 39% |
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| EPS (TTM) | $0.339 | $2.500 | 50% |
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| Operating Cash Flow (TTM) (Mil) | $-0 | $33 | 32% |
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| Net Cash Flow (TTM) (Mil) | $10 | $2 | 56% |
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| Long-Term Debt (Q1) (Mil) | $6 | $99 | 26% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CSBA | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.19 | 1.25 | 28% |
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| P/E | 40.1 | 12.4 | 80% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | CSBA | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 12.4% | 29.2% | 68% |
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| ROA | 0.8% | 1.1% | 44% |
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| ROE | 5.9% | 11.3% | 45% |
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| Liabilities to Assets | 86.6% | 89.7% | 80% |
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| F-Score | 1 | 4 | na |
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CSB Financial Inc. did not pass any screens on 9/2/2026.
