Citystatevings Bank (PHS:CSB) Net Loan: ₱3,895.9 Mil (As of Mar. 2026)


PHS:CSB Citystate Savings Bank Inc PHS:CSB
35 GF Score
Price ₱14.50
GF Value ₱6.84
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Citystatevings Bank Net Loan?

Citystatevings Bank PHS:CSB 35 Net Loan is ₱3,895.9 Mil as of Mar. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 35/100 and a GF Value™ of ₱6.84 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Citystatevings Bank's quarterly net loan declined from Sep. 2025 (₱3,840.1 Mil) to Dec. 2025 (₱3,814.0 Mil) but then increased from Dec. 2025 (₱3,814.0 Mil) to Mar. 2026 (₱3,895.9 Mil).

Citystatevings Bank's annual net loan increased from Dec. 2023 (₱2,990.4 Mil) to Dec. 2024 (₱3,814.0 Mil) and increased from Dec. 2024 (₱3,814.0 Mil) to Dec. 2025 (₱3,895.9 Mil).

Citystatevings Bank Net Loan Historical Data

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The historical data trend for Citystatevings Bank's Net Loan 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.

Citystatevings Bank Net Loan Chart

Citystatevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,036.92 2,462.33 2,990.44 3,329.02 3,813.97

Citystatevings Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,272.36 3,788.94 3,840.10 3,813.97 3,895.86
PHS:CSB
35GF Score
Citystate Savings Bank Inc PHS:CSB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Citystatevings Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₱3,895.9 Mil mean?
Citystatevings Bank (PHS:CSB) has a Net Loan of ₱3,895.9 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Citystatevings Bank and its competitors.
Is Citystatevings Bank's Net Loan too high?
Citystatevings Bank's current Net Loan is ₱3,895.9 Mil. Overall, Citystatevings Bank has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Net Loan compare to PNC and USB?
Citystatevings Bank's Net Loan of ₱3,895.9 Mil 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Citystatevings Bank and its competitors. Citystatevings Bank's current Net Loan is ₱3,895.9 Mil. 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 ₱14.50 — trading 112% above its estimated fair value. The current Net Loan is ₱3,895.9 Mil. Citystatevings Bank's overall GF Score™ is 35/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Net Loan is ₱3,895.9 Mil 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 ₱14.50 is trading 112% above its estimated GF Value™ of ₱6.84. GuruFocus considers Citystatevings Bank to be Significantly Overvalued.

Key valuation signals for PHS:CSB:

  • Net Loan: ₱3,895.9 Mil
  • GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
  • GF Score™: 35/100 with 3 warning signs

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.

Citystatevings Bank Business Description

Address 709 Shaw Boulevard, 2nd Floor, Citystate Centre Building, Metro Manila, Pasig, PHL, 1600
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.
35GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱14.50
Price
₱6.84
GF Value