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Citystatevings BankPHS:CSB 39 3-Year Book Growth Rate is 1.90% as of Mar. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 39/100 and a GF Value™ of ₱6.84 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,500 Banks companies, Citystatevings Bank ranks worse than 86.2% on this metric.
During the past 12 months, Citystatevings Bank's average Book Value per Share Growth Rate was 15.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 1.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 2.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -1.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Citystatevings Bank was 5.60% per year. The lowest was -12.60% per year. And the median was -0.80% per year.
Citystatevings Bank (PHS:CSB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Citystatevings Bank 3-Year Book Growth Rate Related Terms
PHS:CSB vs PNC, USB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Citystatevings Bank's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citystatevings Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's 3-Year Book Growth Rate falls into.
Citystatevings Bank 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 1.90% mean?
Citystatevings Bank (PHS:CSB) has a 3-Year Book Growth Rate of 1.90% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #1293 out of 1500 companies in the Banks industry, placing it in the top 86.2%.
Is Citystatevings Bank's 3-Year Book Growth Rate too high?
Citystatevings Bank's current 3-Year Book Growth Rate is 1.90%. The Banks industry median 3-Year Book Growth Rate is 8.70. Citystatevings Bank's value of 1.90% is 78.2% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #1293 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citystatevings Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's 3-Year Book Growth Rate compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1293 out of 1500 companies for 3-Year Book Growth Rate. This places Citystatevings Bank in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Citystatevings Bank's value of 1.90% is 78.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current 3-Year Book Growth Rate of 1.90% is 78.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Citystatevings Bank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current 3-Year Book Growth Rate is 1.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citystatevings Bank stock overvalued right now?
Based on GuruFocus' analysis, Citystatevings Bank (PHS:CSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱6.84, compared to a current price of ₱13.96 — trading 104.1% above its estimated fair value. The current 3-Year Book Growth Rate is 1.90% and 78.2% below the Banks industry median of 8.70. Citystatevings Bank's overall GF Score™ is 39/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current 3-Year Book Growth Rate is 1.90% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citystatevings Bank (PHS:CSB) Overvalued in 2026?
Based on GuruFocus' analysis, Citystatevings Bank stock appears to be overvalued.
The current stock price of ₱13.96 is trading 104.1% above its estimated GF Value™ of ₱6.84.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
3-Year Book Growth Rate: 1.90%
GF Value™: ₱6.84 vs. price of ₱13.96 (104.1% above fair value)
Industry Position: 78.2% below the Banks median (#1293 of 1500)
No single metric tells the full story. See the PHS:CSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citystate Savings Bank Inc operations include commercial banking, retail banking and treasury services. Aside from the traditional products and services offered by a thrift bank, bank offers a wide range of banking services, such as but not limited to deposit products and services, cash management, onsite/offsite ATM facilities, corporate and retail banking, and treasury services. The Bank provides a venue for consumer/personal loans by accepting jewelry for instant cash loans, aside from its own lending activities of servicing commercial loans, real estate and development loans, auto loan financing, salary loans (APDS, accredited company loans, etc.) agricultural loans and a host of other financial services.
39GF Score
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