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Citystatevings BankPHS:CSB 39 Cash-to-Debt is 12.99 as of Mar. 2026, which is 100% below its 10-year median of 10,000.00. 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 1,497 Banks companies, Citystatevings Bank ranks better than 85.77% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Citystatevings Bank's cash to debt ratio for the quarter that ended in Mar. 2026 was 12.99.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Citystatevings Bankcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Citystatevings Bank's Cash-to-Debt or its related term are showing as below:
PHS:CSB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 5.99 Med: No Debt Max: No Debt
Current: 12.99
During the past 13 years, Citystatevings Bank's highest Cash to Debt Ratio was No Debt. The lowest was 5.99. And the median was No Debt.
PHS:CSB's Cash-to-Debt is ranked better than 85.77% of 1497
companies
in the Banks industry
Industry Median: 1.47
vs PHS:CSB: 12.99
Citystatevings Bank (PHS:CSB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Citystatevings Bank Cash-to-Debt Related Terms
Citystatevings Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Citystatevings Bank's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Citystatevings Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Cash-to-Debt 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 Cash-to-Debt of 12.99 as of Mar. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Citystatevings Bank's Cash-to-Debt has ranged from 5.99 to 10,000.00. According to the industry distribution chart, Citystatevings Bank ranks #213 out of 1497 companies in the Banks industry, placing it in the top 14.2%.
Is Citystatevings Bank's Cash-to-Debt too high?
Citystatevings Bank's current Cash-to-Debt of 12.99 is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 5.99 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.47. Citystatevings Bank's value of 12.99 is 783.7% above this industry median. Based on the distribution chart, Citystatevings Bank ranks #213 out of 1497 companies in the Banks industry, which is in the top quartile — a strong position 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 Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #213 out of 1497 companies for Cash-to-Debt. This places Citystatevings Bank in the top 14% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.47. Citystatevings Bank's value of 12.99 is 783.7% above this benchmark. Historically, Citystatevings Bank's own Cash-to-Debt has ranged from 5.99 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 1.47, Citystatevings Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.47, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Cash-to-Debt of 12.99 is 783.7% above 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Cash-to-Debt is 12.99, which is 100% below median its own 10-year median of 10,000.00. 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 Cash-to-Debt is 12.99, which is 100% below median its 10-year median of 10,000.00 and 783.7% above the Banks industry median of 1.47. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Cash-to-Debt is 12.99 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:
Cash-to-Debt: 12.99 (100% below median its 10-year median of 10,000.00)
GF Value™: ₱6.84 vs. price of ₱13.96 (104.1% above fair value)
Industry Position: 783.7% above the Banks median (#213 of 1497)
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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