Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Citystatevings Bank's book value per share for the quarter that ended in Mar. 2026 was ₱8.02.
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 book value growth rate using book value per share data.
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) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Citystatevings Bank Book Value per Share Related Terms
Citystatevings Bank Book Value per Share Historical Data
* Premium members only.
The historical data trend for Citystatevings Bank's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PHS:CSB vs PNC, USB: Book Value per Share Comparison
For the Banks - Regional subindustry, Citystatevings Bank's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citystatevings Bank (PHS:CSB) has a Book Value per Share of ₱8.02 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Citystatevings Bank and its competitors.
Is Citystatevings Bank's Book Value per Share too high?
Citystatevings Bank's current Book Value per Share is ₱8.02. Overall, Citystatevings Bank has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Book Value per Share compare to PNC and USB?
Citystatevings Bank's Book Value per Share of ₱8.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Citystatevings Bank and its competitors. Citystatevings Bank's current Book Value per Share is ₱8.02. 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 ₱6.86, compared to a current price of ₱13.96 — trading 103.5% above its estimated fair value. The current Book Value per Share is ₱8.02. Citystatevings Bank's overall GF Score™ is 21/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Book Value per Share is ₱8.02 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 103.5% above its estimated GF Value™ of ₱6.86.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
Book Value per Share: ₱8.02
GF Value™: ₱6.86 vs. price of ₱13.96 (103.5% above fair value)
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.
21GF Score
Get the complete analysis for PHS:CSB
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:CSB has been successfully added to your 
