Citystatevings Bank (PHS:CSB) Cyclically Adjusted FCF per Share: ₱-1.91 (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 Cyclically Adjusted FCF per Share?

Citystatevings Bank PHS:CSB 35 Cyclically Adjusted FCF per Share is ₱-1.91 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Citystatevings Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₱3.188. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₱-1.91 for the trailing ten years ended in Mar. 2026.

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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Citystatevings Bank was -2.30% per year. The lowest was -20.60% per year. And the median was -11.45% per year.

As of today (2026-07-11), Citystatevings Bank's current stock price is ₱14.50. Citystatevings Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₱-1.91. Citystatevings Bank's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Citystatevings Bank was 54.07. The lowest was 3.14. And the median was 9.64.


Citystatevings Bank  (PHS:CSB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Citystatevings Bank was 54.07. The lowest was 3.14. And the median was 9.64.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Citystatevings Bank Cyclically Adjusted FCF per Share Related Terms


Citystatevings Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Citystatevings Bank's Cyclically Adjusted FCF 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.

Citystatevings Bank Cyclically Adjusted FCF per Share Chart

Citystatevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.68 0.68 -0.09 -0.77 -1.31

Citystatevings Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share 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 -1.81 0.69 -0.52 -1.31 -1.91

PHS:CSB vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Citystatevings Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Citystatevings Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Citystatevings Bank's Cyclically Adjusted Price-to-FCF falls into.


PHS:CSB
35GF Score
Citystate Savings Bank Inc PHS:CSB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citystatevings Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Citystatevings Bank's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.188/330.2130*330.2130
=3.188

Current CPI (Mar. 2026) = 330.2130.

Citystatevings Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -1.629 241.018 -2.232
201609 -11.477 241.428 -15.698
201612 -3.294 241.432 -4.505
201703 7.321 243.801 9.916
201706 -27.007 244.955 -36.407
201709 13.786 246.819 18.444
201712 6.179 246.524 8.277
201803 -3.119 249.554 -4.127
201806 -0.294 251.989 -0.385
201809 12.592 252.439 16.471
201812 -7.624 251.233 -10.021
201903 -0.724 254.202 -0.940
201906 -1.243 256.143 -1.602
201909 1.295 256.759 1.665
201912 -1.869 256.974 -2.402
202003 0.354 258.115 0.453
202006 -2.262 257.797 -2.897
202009 5.630 260.280 7.143
202012 2.265 260.474 2.871
202103 8.829 264.877 11.007
202106 -16.839 271.696 -20.466
202109 6.884 274.310 8.287
202112 -2.665 278.802 -3.156
202203 -0.350 287.504 -0.402
202206 1.046 296.311 1.166
202209 -1.335 296.808 -1.485
202212 -5.028 296.797 -5.594
202303 -0.702 301.836 -0.768
202306 0.279 305.109 0.302
202309 0.801 307.789 0.859
202312 -0.321 306.746 -0.346
202403 -1.786 312.332 -1.888
202406 4.858 314.175 5.106
202409 -3.025 315.301 -3.168
202412 1.778 315.605 1.860
202503 0.244 319.799 0.252
202506 1.397 322.561 1.430
202509 1.840 324.800 1.871
202512 -1.156 324.054 -1.178
202603 3.188 330.213 3.188

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₱-1.91 mean?
Citystatevings Bank (PHS:CSB) has a Cyclically Adjusted FCF per Share of ₱-1.91 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Citystatevings Bank and its competitors.
Is Citystatevings Bank's Cyclically Adjusted FCF per Share too high?
Citystatevings Bank's current Cyclically Adjusted FCF per Share is ₱-1.91. 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 Cyclically Adjusted FCF per Share compare to PNC and USB?
Citystatevings Bank's Cyclically Adjusted FCF per Share of ₱-1.91 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 Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Citystatevings Bank and its competitors. Citystatevings Bank's current Cyclically Adjusted FCF per Share is ₱-1.91. 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 Cyclically Adjusted FCF per Share is ₱-1.91. 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 Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Cyclically Adjusted FCF per Share is ₱-1.91 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:

  • Cyclically Adjusted FCF per Share: ₱-1.91
  • 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

Get the complete analysis for PHS:CSB

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱14.50
Price
₱6.84
GF Value