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CSB BANCORP INC /OH

CSBB

CIK 0000880417 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$15M
↑+13.2% +$2Mvs FY2024 (Q4)
Operating Income
$15M
↑+13.2% +$2Mvs FY2024 (Q4)
Net Income
$2M
↓-19.4% -$450Kvs FY2024 (Q4)
Gross Profit
$15M
↑+13.2% +$2Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
27/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    100D/E 0.01 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.04x (1.0+ = capital-efficient)
  • Growth
    61Revenue YoY +13.2% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project CSBB's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

11%

Trailing 3-yr CAGR was 10.8%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$140.66
Total enterprise IV
$371M
Diluted shares
0.00B
Terminal PV
$273M (74% of total)
Year-5 FCF
$32M
YearProjected FCFDiscounted PV
+1$21M$19M
+2$24M$19M
+3$26M$20M
+4$29M$20M
+5$32M$20M
Terminal$439M$273M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$349K
investment in PP&E
Dividends paid (TTM)
$4M
cash returned to holders
Stock buybacks (TTM)
$999K
share count reduction

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$1.29B
everything owned
Total liabilities
$1.17B
everything owed
Stockholders' equity
$126M
shareholder claim
Net debt
$-36M
Net cash position ($36M)

Recent performance · 63 quarters

Revenue↑+13.2% +$2M
$15M
Net Income↓-19.4% -$450K
$2M
Free Cash Flow↓-8.0% -$537K
$6M

Drill down

CSBB Sankey

See CSB BANCORP INC /OH's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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CSBB Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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CSBB Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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